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Holden Viva Car Finance from Beat the Banks Aussie Mortgage Masters
Cheap Car Loans
Several factors come into play when searching for car finance for your Holden Viva loan. These factors include the type of loan such as short or long term or whether it is a secured loan and your credit quality.
Secured loans are loans that use an Holden Viva the vehicle being purchased, as the security for the loan. In the even that repayments are being met the credit provider can repossess the asset to recover their money.
Unsecured loans do not use an asset such as the Holden Viva as security and if the loan is failed to be repaid the credit provider can take you to court to recover the property and money lent. These loans are often harder to acquire as it is often a larger risk to the credit provider and the interest rates are usually higher as well.
Low Doc Car Loans
Low-doc loans refers to a loan product that has a lower requirement for documentation of an applicant. For low-doc car loans they often require that the Holden Viva be primarily for business use.
Car Buying Tips
Purchasing near the end of the month can provide a better discount for your new Holden Viva from a dealer as often they will operate on monthly sales targets. This will mean that car dealers will be more likely to offer discounts and additional free extras at this time.
Knowing the typical drive-away price for a Holden Viva along with the cost of any extras will provide a comparison to the price being offered by the dealer for the Holden Viva being offered.
Dealers will often compete with each other, which makes getting multiple offers from different dealers, one technique to reduce the price for your Holden Viva.
Ensure that you perform a test drive, as knowing how the Holden Viva feels to drive, compared to another Holden Viva’s will help you decide which one you prefer.
Bad Credit Car Loans
These loans are designed for people who have poor credit history and therefore often have difficulty in receiving approval for car loans.
Lease or Buy?
Buying a Holden Viva is considered a better deal than leasing as leasing is effectively renting a car continuously. The expiation to this is if your Holden Viva is a deductible business expense, as leasing allows a much larger tax deduction. this is probably one of the main exceptions that leasing has over purchasing a vehicle.
The monthly repayment for purchasing a car are often higher as you are buying a whole car not just renting it. Also often when leasing you will be locked into a contract with large penalties to exit early.
Used Car Loans
Used car loans will operate the same way as new car loans. Usually the Holden Viva that is being purchased will be the security for the loan allowing a more competitive interest rate. Loans can be between $2,000 and $70,000 however if will often depend on the credit provider and your credit history and the age of the Holden Viva.
Loan Protection
The benefit of loan protection insurance for your Holden Viva, is to provide assistance with the loan repayments including paying out the remainder of the loan if your circumstances change making you no longer able to meet your commitments. The levels of cover are usually depend on the circumstances that are preventing you from making loan repayments.
These include:
- Death Cover
- Disability Cover
- Death & disability cover
- Disability and involuntary unemployment cover
- Death, disability and involuntary unemployment cover
Novated Lease
Novated lease refers to when the obligations for your Holden Viva in the lease contract, are transferred from one party to another.
Often used in Australia to refer to the arrangement of a motor vehicle being included within a salary packaging where a lease is novated from an employee to an a employer.
In the case of salary packaged novated lease, employee leases a motor vehicle and the employer agrees to take on the obligations of making the lease payments.
Holden Viva – SPECIALIST SERVICES INCLUDE
Now that your Holden Viva is looking great again, their are a few other things you can do to keep your Holden Viva running well.
Super Quick Oil Change provide pre purchase vehicle inspections for your Holden Viva at a residence or dealerships. Mettams Mufflers Perth, can provide better fuel efficiency and power with a custom performance exhaust system for Holden Viva models.
Perth Towbar Fitters can fit quality Holden Viva Towbars in three Perth locations. For fiancing you can contact us directly or you can contact Westcorp Capital, finance for a new Holden Viva with competitive car loans for Holden Viva. If your new Holden Viva has any scratchs or scuffs contact Car Clinic for mobile scratch removal for your Holden Viva.
