Doing a little car research can pay off big time but how do you get started and what should you actually research? We explain.
When shopping around for a commercial loan, it's important to compare loan terms and all fees before finally taking out one. Some may have a low interest rate but plenty of hidden fees that add up to the total cost of your loan. There are tricks that can help lower down the total cost of your loan. Read on to find out.
Tom Caesar is the Managing Director of The Positive Group, a group of Australian financial services companies offering a broad range of finance to clients Australia wide. The Positive Group assist clients in the areas of car finance, mortgages, insurance & wealth management. Tom has been in car & asset finance for over 10 years. Tom regularly contributes articles on car finance, insurance, technology and business growth, drawing on his experience of starting his own brokerage in 2009.
When shopping around for a commercial loan, it's important to compare loan terms and all fees before finally taking out one. Some may have a low interest rate but plenty of hidden fees that add up to the total cost of your loan. There are tricks that can help lower down the total cost of your loan. Read on to find out.
Budgeting is essential to efficiently manage your finances and achieve your financial goals. There are a lot of models that you can follow, as well as apps that automate the process for you. To make budgeting work for you, make your goals realistic and attainable and adjust your budget and your lifestyle as necessary.
Tom Caesar is the Managing Director of The Positive Group, a group of Australian financial services companies offering a broad range of finance to clients Australia wide. The Positive Group assist clients in the areas of car finance, mortgages, insurance & wealth management. Tom has been in car & asset finance for over 10 years. Tom regularly contributes articles on car finance, insurance, technology and business growth, drawing on his experience of starting his own brokerage in 2009.
Budgeting is essential to efficiently manage your finances and achieve your financial goals. There are a lot of models that you can follow, as well as apps that automate the process for you. To make budgeting work for you, make your goals realistic and attainable and adjust your budget and your lifestyle as necessary.
There are 53 banks in Australia, most of which provide vehicle financing for personal, corporate and business use. While many of these banks offer car loan programs with low interest rates and friendly loan terms if you have good credit and stable source of income, the best deal still depends on your lifestyle needs and capacity for repayment.
Tom Caesar is the Managing Director of The Positive Group, a group of Australian financial services companies offering a broad range of finance to clients Australia wide. The Positive Group assist clients in the areas of car finance, mortgages, insurance & wealth management. Tom has been in car & asset finance for over 10 years. Tom regularly contributes articles on car finance, insurance, technology and business growth, drawing on his experience of starting his own brokerage in 2009.
There are 53 banks in Australia, most of which provide vehicle financing for personal, corporate and business use. While many of these banks offer car loan programs with low interest rates and friendly loan terms if you have good credit and stable source of income, the best deal still depends on your lifestyle needs and capacity for repayment.
Australia's biggest banks offer some of the best vehicle financing deals for borrowers with good credit. These financing institutions provide various car loan plans for personal and business use. The best bank for a car loan, however, depends on your needs, financial situation and budget.
Tom Caesar is the Managing Director of The Positive Group, a group of Australian financial services companies offering a broad range of finance to clients Australia wide. The Positive Group assist clients in the areas of car finance, mortgages, insurance & wealth management. Tom has been in car & asset finance for over 10 years. Tom regularly contributes articles on car finance, insurance, technology and business growth, drawing on his experience of starting his own brokerage in 2009.
Australia's biggest banks offer some of the best vehicle financing deals for borrowers with good credit. These financing institutions provide various car loan plans for personal and business use. The best bank for a car loan, however, depends on your needs, financial situation and budget.
When it comes to business funding, it is generally wiser to take out a loan from a lender than borrow from family and friends. While the latter option may help you avoid interest and repayment deadline, you risk strained relationships and acquire debt of gratitude. This could lead to involving your loved ones in your business decisions and sharing your future profits with them.
Tom Caesar is the Managing Director of The Positive Group, a group of Australian financial services companies offering a broad range of finance to clients Australia wide. The Positive Group assist clients in the areas of car finance, mortgages, insurance & wealth management. Tom has been in car & asset finance for over 10 years. Tom regularly contributes articles on car finance, insurance, technology and business growth, drawing on his experience of starting his own brokerage in 2009.
When it comes to business funding, it is generally wiser to take out a loan from a lender than borrow from family and friends. While the latter option may help you avoid interest and repayment deadline, you risk strained relationships and acquire debt of gratitude. This could lead to involving your loved ones in your business decisions and sharing your future profits with them.
Business loans help companies fund new projects and opportunities for growth. They offer many benefits that personal financing and investors cannot provide. Before taking out one, take careful consideration of your business needs, strategies and goals. Make sure that you can repay the loan on time to build your business credit profile.
Tom Caesar is the Managing Director of The Positive Group, a group of Australian financial services companies offering a broad range of finance to clients Australia wide. The Positive Group assist clients in the areas of car finance, mortgages, insurance & wealth management. Tom has been in car & asset finance for over 10 years. Tom regularly contributes articles on car finance, insurance, technology and business growth, drawing on his experience of starting his own brokerage in 2009.
Business loans help companies fund new projects and opportunities for growth. They offer many benefits that personal financing and investors cannot provide. Before taking out one, take careful consideration of your business needs, strategies and goals. Make sure that you can repay the loan on time to build your business credit profile.
Are you taking out a car loan? Aside from the principal amount and the interest, there are many other expenses that you have to factor in. Identifying these fees will help you estimate the total cost of your loan and how much you can afford to spend. There is no single formula for calculating the finance charges of a car loan, but the computation usually includes the principal, interest rate, loan term and frequency of repayment.
Tom Caesar is the Managing Director of The Positive Group, a group of Australian financial services companies offering a broad range of finance to clients Australia wide. The Positive Group assist clients in the areas of car finance, mortgages, insurance & wealth management. Tom has been in car & asset finance for over 10 years. Tom regularly contributes articles on car finance, insurance, technology and business growth, drawing on his experience of starting his own brokerage in 2009.
Are you taking out a car loan? Aside from the principal amount and the interest, there are many other expenses that you have to factor in. Identifying these fees will help you estimate the total cost of your loan and how much you can afford to spend. There is no single formula for calculating the finance charges of a car loan, but the computation usually includes the principal, interest rate, loan term and frequency of repayment.
Regularly tracking your expenses is an important part of successful financial management. It helps you become more aware and conscious of your spending, which is helpful when you're trying to save money or planning to take out a loan.
Tom Caesar is the Managing Director of The Positive Group, a group of Australian financial services companies offering a broad range of finance to clients Australia wide. The Positive Group assist clients in the areas of car finance, mortgages, insurance & wealth management. Tom has been in car & asset finance for over 10 years. Tom regularly contributes articles on car finance, insurance, technology and business growth, drawing on his experience of starting his own brokerage in 2009.
Regularly tracking your expenses is an important part of successful financial management. It helps you become more aware and conscious of your spending, which is helpful when you're trying to save money or planning to take out a loan.
Finding the best car loan deal is not easy. However, several ways can help you negotiate for the lowest interest rate and best terms. These include having a good credit score, seeking pre-approvals from various lenders, getting 0% financing, and using an auto loan calculator to determine how much you can afford.
Tom Caesar is the Managing Director of The Positive Group, a group of Australian financial services companies offering a broad range of finance to clients Australia wide. The Positive Group assist clients in the areas of car finance, mortgages, insurance & wealth management. Tom has been in car & asset finance for over 10 years. Tom regularly contributes articles on car finance, insurance, technology and business growth, drawing on his experience of starting his own brokerage in 2009.
Finding the best car loan deal is not easy. However, several ways can help you negotiate for the lowest interest rate and best terms. These include having a good credit score, seeking pre-approvals from various lenders, getting 0% financing, and using an auto loan calculator to determine how much you can afford.
The best car loan term depends on your needs and financial situation. While a long repayment period lowers your monthly payments and makes financing seems affordable, it puts you at a greater risk of negative equity. A short-term car loan, on the other hand, can help you settle your debt fast but requires larger monthly payments that may be difficult to sustain.
Tom Caesar is the Managing Director of The Positive Group, a group of Australian financial services companies offering a broad range of finance to clients Australia wide. The Positive Group assist clients in the areas of car finance, mortgages, insurance & wealth management. Tom has been in car & asset finance for over 10 years. Tom regularly contributes articles on car finance, insurance, technology and business growth, drawing on his experience of starting his own brokerage in 2009.
The best car loan term depends on your needs and financial situation. While a long repayment period lowers your monthly payments and makes financing seems affordable, it puts you at a greater risk of negative equity. A short-term car loan, on the other hand, can help you settle your debt fast but requires larger monthly payments that may be difficult to sustain.
A good credit score is one of the most important requirements when you buy a car through auto financing. Aside from increasing your chances of approval, it helps you get lower interest rates and favourable loan terms. Before taking out a car loan, work on improving your credit score first. If you've already taken out a car loan with high-interest, refinance it when your credit score improves.
Tom Caesar is the Managing Director of The Positive Group, a group of Australian financial services companies offering a broad range of finance to clients Australia wide. The Positive Group assist clients in the areas of car finance, mortgages, insurance & wealth management. Tom has been in car & asset finance for over 10 years. Tom regularly contributes articles on car finance, insurance, technology and business growth, drawing on his experience of starting his own brokerage in 2009.
A good credit score is one of the most important requirements when you buy a car through auto financing. Aside from increasing your chances of approval, it helps you get lower interest rates and favourable loan terms. Before taking out a car loan, work on improving your credit score first. If you've already taken out a car loan with high-interest, refinance it when your credit score improves.
Saving for retirement should begin in your early 20s when you still have plenty of time to grow your wealth. If you got a late start, however, it's never too late to start. Either you can save aggressively to compensate for the lost time, or you can continue to earn money in your senior years.
Tom Caesar is the Managing Director of The Positive Group, a group of Australian financial services companies offering a broad range of finance to clients Australia wide. The Positive Group assist clients in the areas of car finance, mortgages, insurance & wealth management. Tom has been in car & asset finance for over 10 years. Tom regularly contributes articles on car finance, insurance, technology and business growth, drawing on his experience of starting his own brokerage in 2009.
Saving for retirement should begin in your early 20s when you still have plenty of time to grow your wealth. If you got a late start, however, it's never too late to start. Either you can save aggressively to compensate for the lost time, or you can continue to earn money in your senior years.
Businesses that are temporarily underfunded and in need of money to meet working capital needs can get financing and use their future cash flows as collateral. While it is easier to get approved for than standard business loans, borrowers can increase their chance of approval if they have good credit scores, bank statements and sales revenues that all reflect a strong financial capacity to repay the loan.
Tom Caesar is the Managing Director of The Positive Group, a group of Australian financial services companies offering a broad range of finance to clients Australia wide. The Positive Group assist clients in the areas of car finance, mortgages, insurance & wealth management. Tom has been in car & asset finance for over 10 years. Tom regularly contributes articles on car finance, insurance, technology and business growth, drawing on his experience of starting his own brokerage in 2009.
Businesses that are temporarily underfunded and in need of money to meet working capital needs can get financing and use their future cash flows as collateral. While it is easier to get approved for than standard business loans, borrowers can increase their chance of approval if they have good credit scores, bank statements and sales revenues that all reflect a strong financial capacity to repay the loan.
If you’re a startup founder or a small business owner who’s looking to seek financing from lenders or attract investors, it is essential to create your very own business plan. Not only will it help you map out your business direction, but it will also help you get the necessary funding.
Tom Caesar is the Managing Director of The Positive Group, a group of Australian financial services companies offering a broad range of finance to clients Australia wide. The Positive Group assist clients in the areas of car finance, mortgages, insurance & wealth management. Tom has been in car & asset finance for over 10 years. Tom regularly contributes articles on car finance, insurance, technology and business growth, drawing on his experience of starting his own brokerage in 2009.
If you’re a startup founder or a small business owner who’s looking to seek financing from lenders or attract investors, it is essential to create your very own business plan. Not only will it help you map out your business direction, but it will also help you get the necessary funding.
Yes, you can secure a car loan even when you have a personal loan to pay off. Lenders are likely to approve your application if you have a good credit score and a good income that gives you the financial capacity to repay the loan. Your chances of unconditional approval will also improve if you pledge your vehicle as collateral, provide a substantial down payment, and get pre-approved for vehicle financing.
Tom Caesar is the Managing Director of The Positive Group, a group of Australian financial services companies offering a broad range of finance to clients Australia wide. The Positive Group assist clients in the areas of car finance, mortgages, insurance & wealth management. Tom has been in car & asset finance for over 10 years. Tom regularly contributes articles on car finance, insurance, technology and business growth, drawing on his experience of starting his own brokerage in 2009.
Yes, you can secure a car loan even when you have a personal loan to pay off. Lenders are likely to approve your application if you have a good credit score and a good income that gives you the financial capacity to repay the loan. Your chances of unconditional approval will also improve if you pledge your vehicle as collateral, provide a substantial down payment, and get pre-approved for vehicle financing.
It’s smart to get a car loan pre-approval before accepting any offers because it helps you get an estimate of how much amount you can borrow and afford to repay. Knowing your borrowing power helps you efficiently compare interest rates and loan terms from multiple lenders and puts in a favourable position on the negotiating table.
Tom Caesar is the Managing Director of The Positive Group, a group of Australian financial services companies offering a broad range of finance to clients Australia wide. The Positive Group assist clients in the areas of car finance, mortgages, insurance & wealth management. Tom has been in car & asset finance for over 10 years. Tom regularly contributes articles on car finance, insurance, technology and business growth, drawing on his experience of starting his own brokerage in 2009.
It’s smart to get a car loan pre-approval before accepting any offers because it helps you get an estimate of how much amount you can borrow and afford to repay. Knowing your borrowing power helps you efficiently compare interest rates and loan terms from multiple lenders and puts in a favourable position on the negotiating table.
College students can get approved for a student car loan in Australia as long as they are of legal age and are a natural-born or a permanent resident of the country. However, because they have an insufficient credit profile and may not have a stable source of income, they typically need to have a cosigner and a large down payment to secure the loan.
Tom Caesar is the Managing Director of The Positive Group, a group of Australian financial services companies offering a broad range of finance to clients Australia wide. The Positive Group assist clients in the areas of car finance, mortgages, insurance & wealth management. Tom has been in car & asset finance for over 10 years. Tom regularly contributes articles on car finance, insurance, technology and business growth, drawing on his experience of starting his own brokerage in 2009.
College students can get approved for a student car loan in Australia as long as they are of legal age and are a natural-born or a permanent resident of the country. However, because they have an insufficient credit profile and may not have a stable source of income, they typically need to have a cosigner and a large down payment to secure the loan.
Whether you’re taking out a business loan from a bank or an online lender, you can improve your chances of approval if you know what what you need to prepare. Check out these business loan requirements and eligibility criteria that most lenders set.
Tom Caesar is the Managing Director of The Positive Group, a group of Australian financial services companies offering a broad range of finance to clients Australia wide. The Positive Group assist clients in the areas of car finance, mortgages, insurance & wealth management. Tom has been in car & asset finance for over 10 years. Tom regularly contributes articles on car finance, insurance, technology and business growth, drawing on his experience of starting his own brokerage in 2009.
Whether you’re taking out a business loan from a bank or an online lender, you can improve your chances of approval if you know what what you need to prepare. Check out these business loan requirements and eligibility criteria that most lenders set.
Taking out a debt can be a good or bad financial decision depending on the circumstances under which it is acquired. Good debt helps you earn more money and achieve your financial goals. Bad debt, meanwhile, puts you under a tremendous financial burden and worsens your overall economic situation.
Tom Caesar is the Managing Director of The Positive Group, a group of Australian financial services companies offering a broad range of finance to clients Australia wide. The Positive Group assist clients in the areas of car finance, mortgages, insurance & wealth management. Tom has been in car & asset finance for over 10 years. Tom regularly contributes articles on car finance, insurance, technology and business growth, drawing on his experience of starting his own brokerage in 2009.
Taking out a debt can be a good or bad financial decision depending on the circumstances under which it is acquired. Good debt helps you earn more money and achieve your financial goals. Bad debt, meanwhile, puts you under a tremendous financial burden and worsens your overall economic situation.
Taking out a business loan is more advantageous than getting an equity financing. It gives you faster access to funds and supports your business growth without sharing your profits and decision-making power to investors. It also helps build your credit score. Get to know more how a business loan differs from an equity funding in this article.
Tom Caesar is the Managing Director of The Positive Group, a group of Australian financial services companies offering a broad range of finance to clients Australia wide. The Positive Group assist clients in the areas of car finance, mortgages, insurance & wealth management. Tom has been in car & asset finance for over 10 years. Tom regularly contributes articles on car finance, insurance, technology and business growth, drawing on his experience of starting his own brokerage in 2009.
Taking out a business loan is more advantageous than getting an equity financing. It gives you faster access to funds and supports your business growth without sharing your profits and decision-making power to investors. It also helps build your credit score. Get to know more how a business loan differs from an equity funding in this article.
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