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So you’ve found your perfect set of wheels? Now what? At Loanstar Finance we get you approved as easily as possible and with the lowest possible rate.
Evaluating car loans isn’t easy when you are relying on a bank loan, your car dealer or even a well-meaning friend. Comparing the hundreds of car finance products on the market can take weeks and can be frought with difficulty because every car finance provider markets their products differently. Then you have to work out the process and what they actually need for the finance application – it can feel like a guessing game. Dealing with Loanstar Finance is different! Being Cairns Car Finance Locals we have years of industry experience and a strong network of finance providers, we can quickly evaluate your needs and provide advice on the ideal car finance product. This might be a car loan or lease and it might be from a bank or other provider. It all comes down to listening to your needs and matching the finance right product. We consider what you want to buy, your current situation, your credit history, interest rates and even how affordable the repayments are. Sound complicated? When you work with us, it isn’t. We guide you every step of the way through to settlement on your vehicle and we can have you driving away in your new car as fast as 24 hours.
At Loanstar Finance we offer a range of products that can be used to purchase vehicles for personal or business use including…
Car LOANS
CAR LEASES
NOVATED LEASES
FLEET FINANCE
USED CAR LOANS
PERSONAL LOANS
Your Loan Star Finance Expert Makes Buying a Car Easy
Why search for a loan when your LoanStar Finance expert can do all the work for you. LoanStar Finance stands alone as an expert in loan negotiation. With access to loan products and rates that many other brokers can’t access you are ensured of the best deal for your circumstances. Our simple online application process saves you time and makes it easy.
Car Loans Versus Leases
In it’s simplest form, car finance is a secured loan. But we know that doesn’t suit everyone. It depends on many factors, but equally, we are confident that we will find the best deal for you every time.
Secured car loans
A secured car loan is simply one where the finance provider uses the car as security. Often this results in the lowest rate because the secured vehicle makes it lower risk to the lender. Of course we structure the loan to help make repayments as affordable as possible, and secured car loan often attracts a great interest rate, to make sure the likelihood of this happening as low as possible.
Unsecured car loans
An unsecured car loan is simply a personal loan where the lender does not have any right to the car as security on the loan. Whilst offering flexibility, the interest rates will generally be slightly higher to offet the risk to the lender.
Leases
A lease is a financial instrument that allows you the use of the car for the life of the lease in exchange for a payment each month. At the end of the lease there is generally a residual amount owing to the lender called a balloon payment, and once that is paid, the car goes back to the financier. The benefit of a car lease is that you can expense your payments, providing tax advantages (called a novated lease) and making it easy to always upgrade to the latest vehicle.
Let’s Get Your Car Finance Started
It is easy to get the process started. Simply complete the form below or get in touch.
One of our Loanstar Finance Experts will get back to you, usually the same day, to get your finance application underway. Have as much documentation ready as possible, but don’t worry as we will guide you on the requirements if you are unsure.
We look forward to hearing from you soon.