best car finance companies

Looking for the best car finance companies in Australia is like choosing your least terrible in-law—plenty of options, all with their quirks. Big banks like Commonwealth and Westpac offer solid, reliable packages with competitive rates, while specialist lenders like Macquarie can sometimes throw a better deal if your credit isn't spotless. Don't forget the dealer financing, which can be convenient but often sneaks in sneaky fees and higher interest rates.

New car loans typically range from 5% to 12% APR depending on your credit score, while used car loans might edge higher. Online marketplaces like Tradingpost and CarShowroom sometimes feature finance offers bundled with sales, but always read the fine print. Remember, the best deal is the one that doesn't leave you broke or regretting your life choices!