Buying a car is an exciting time but sometimes it can seem like a complicated process. Use our handy guide to help you along the way from researching your options to finding out how much you can afford to repay, and organising insurance, we've got it covered.
Whether you choose to buy a car from a dealership or through a private sale, we can offer you a flexible car loan at a competitive rate. Talk to one of our car loan specialists, who can help you choose the car loan to fit your needs.
Once you have found your car, you can leave the hard work to us so that you can get into your new car sooner.
|Choosing your car|
It is a good idea to research what kind of car might be right for you. You should decide what you want to use the car for. What features would you like it to have? Is it for business or pleasure or both? If you intend to use the car predominantly for business please refer to our business finance options.
There are many places where you can research what car is right for you. Read the independent tests and reviews in automotive magazines and on car websites. Car dealerships are a good place to get a real feel for the car and associated costs that might be best for you. Talk to your friends and family, they can be a great resource.
Quite often, the car you start looking for is not the car you end up buying.
|How much can you afford?|
You need to work out a budget to determine the amount you'll be able to comfortably repay. Make sure you take into account all of your expenses and then work out how much you will have left for a car loan repayments. You should also factor in an allowance for emergencies in your budget. Esanda has a quick, easy to use car loan repayment calculator to help with your budgeting.
|Buying a car from a dealership|
Things to consider when buying a car from a dealership.
|Will you be buying a car through a private sale?|
Often the perfect car for you is the one someone else has just outgrown.
We can help with finance for a car purchased privately. Consider the following handy tips if you decide on a private purchase:
|Other things to keep in mind when buying a car|
Buying a car can be an exciting experience but there are some things you should keep in mind while you are searching.
Find out who owns the car and if it is currently being used as security for someone else's loan
It's a good idea to make sure that the person who says they own the car, actually owns the car.
You should also find out if the car is being used as security for someone else's loan - it's not a problem if this is the case but it means you will need to ensure the finance company will be paid out when you buy the car.
Check the prices
Have the car professionally checked
Take the car for a test drive
|Applying for an Esanda loan|
|Protecting your investment|
Esanda offers a range of insurance products to help you protect your vehicle as well as your loan commitments. There are two car insurance options available: comprehensive and third-party property insurance. If you are financing your car with Esanda, you will need to organise comprehensive insurance. You could also consider loan insurance to cover your finance payments.
Remember, never drive an uninsured car.
Loan Protection Insurance
Get in touch with us now:
Call us on 1800 281 533
Esanda Motor Vehicle Insurance, Motorcycle Insurance, Motor Equity Insurance, New Vehicle Extended Warranty and Used Vehicle Warranty policies are issued by Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234 708 (Allianz).
Esanda Loan Protection Insurance and Business Loan Protection Insurance are issued as follows: The Disability and Involuntary Unemployment covers are issued by Allianz. The Trauma and Death insurance cover is issued by OnePath Life Limited (OnePath Life) (ABN 33 009 657 176 AFSL 238341), a wholly owned subsidiary of ANZ. ANZ is an authorised deposit taking institution (ADI) under the Banking Act 1959. OnePath Life is not an ADI and this insurance is neither a deposit nor liability of ANZ or any ANZ Group member other than OnePath Life as the policy issuer. Neither ANZ nor any ANZ Group member stands behind or guarantees OnePath Life.
In arranging this insurance, Esanda Finance Corporation Ltd ABN 64 004 346 043 Authorised Rep No. 269742 (Esanda) is acting as agent of Allianz and not as your agent. The information provided is of a general nature and does not take into account your personal needs and financial circumstances. You should consider the appropriateness of the information, having regard to your objectives, financial situation and needs. You should read the Product Disclosure Statements, available from any office of Allianz or Esanda, and consider whether these products are right for you. We also recommend you read our Financial Services Guide (PDF 104kB).