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Finance News

November Rate Rise Puts Car Finance Budgets Back Under Scrutiny

05 Nov 2026: Paige Estritori

The Reserve Bank of Australia’s latest rate increase has added a fresh complication for households considering a new or used vehicle before the end of 2026. The cash rate target rose by 25 basis points to 4.85% effective 4 November, extending a year in which borrowing costs have again become a central part of the car-buying decision. - read more

Hotter Inflation Resets the Car Finance Conversation

29 Oct 2026: Paige Estritori

Australia’s latest inflation figures have added a fresh layer of uncertainty for car buyers, with the September 2026 Consumer Price Index showing annual inflation at 4.3 per cent and trimmed mean inflation at 3.6 per cent. Coming after the Reserve Bank of Australia lifted the cash rate target to 4. - read more

Dealer Discounts Are Changing the Car Finance Equation

17 Sep 2026: Paige Estritori

Australia’s car market is moving further away from the shortage-driven conditions that shaped buying decisions over recent years. As more brands work through stronger supply and compete for orders, buyers are seeing a wider mix of drive-away discounts, factory bonuses, demonstrator offers and promotional finance campaigns. That can be helpful for households planning a purchase, but it also makes the finance decision more important rather than less. - read more

Why car finance offers may look more uneven this spring

10 Sep 2026: Paige Estritori

Fresh spring comparison updates suggest Australian car finance remains competitive, but not evenly so. While some headline secured car loan rates still look attractive for well-qualified borrowers, the gap between the best advertised offers and the rates many buyers may actually receive is becoming more important. For households planning a vehicle purchase, the key message is simple: the rate on the first screen is only the beginning of the finance conversation. - read more

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Car Loan Articles

New vs Used Car Finance: What You Need to Know

When you're in the market for a new or used car, understanding car financing options is crucial. In Australia, there are several ways to finance your vehicle, each with its own advantages and considerations. Whether you're considering dealership financing, a car loan from a financial institution, or even leasing, knowing your options can save you in the long run. - read more

The Impact of Your Credit Score on Car Financing Options

Car financing is a crucial aspect for many Australians looking to purchase a vehicle. Understanding the car finance market in Australia can equip you with the knowledge needed to make informed financial decisions. With various financing options available, taking the time to explore what's out there can be incredibly beneficial for aspiring car owners. - read more

Car loan eligibility and pre-approval in Australia: what lenders may assess

Learn what Australian lenders may consider when assessing car loan eligibility, what documents may be needed, and how car finance pre-approval works before you buy. - read more

Understanding the Current Fuel Situation in Australia: What It Means for Your Driving Choices

The fuel situation in Australia has been a hot topic recently, with fluctuating prices and increasing environmental concerns capturing the attention of many. The country's reliance on both domestic and imported fuels, alongside global market influences, plays a significant role in the availability and cost of fuel. As Australians navigate through these changes, understanding the current scenario becomes ever more crucial. - read more

Knowledgebase

Refinancing:
The process of obtaining a new mortgage to replace an existing one, often to secure a lower interest rate.

This website is owned and operated by Clark Family Pty Ltd (ACN 010 281 008) as Trustee for the Clark Family Trust (ABN 35 957 893 714), 43 Larch Street Tallebudgera QLD 4228. Australian Car Finance publishes general educational information, tools and resources about car finance in Australia.

IMPORTANT: The information on this website is general in nature and does not take into account your objectives, financial situation or needs. We do not provide personalised financial, credit or insurance advice or credit assistance. This website does not accept applications, quote requests or borrowing enquiries, assess personal eligibility, or match or refer visitors to brokers, lenders or insurers. We do not select, recommend or arrange products or providers for you. Consider seeking advice from an appropriately licensed professional before acting on the information. You should independently verify the credentials and licensing of any adviser or provider you engage. Visit the ASIC website for further information.