Classic Cars and Used Car Finance – Lower Rates, Flexible Terms, One-to-One Service

Know the Basics of Financing a Used Car

Knowing the basics of second-hand vehicle credit and the differences from new vehicle loans can assist buyers to more quickly achieve the best outcome. Unlike new models which are essentially all the same, second-hand and especially classic vehicles, each has its own unique features and characteristics. Varying age, mileage, engine and bodywork condition – unique features which affect the financing. 

Additional aspects to consider, and we can help you with, include:- checking if any money is owed on the vehicle through the PPSR; verifying ownership REVS with private and online buys; transfer of registration; and different insurance options.

The amount you can borrow may be determined by the lender’s value assessment of the vehicle. The value is assessed against the purchase price, the loan amount includes total interest to determine approval of loan amounts. Limits may be placed on how much will be approved. Buyers may need to be prepared to make a down payment to reduce the amount they need to borrow.

With interest rates, lenders will typically advertise their best rates for new goods. So the rates may be different for used vehicles. But rates are primarily assessed on the ability of the borrower to repay the loan – their earnings capacity and their credit history.

Borrowers with good credit history are typically offered the best rates and the best terms. Poor credit score applicants can be offered a higher rate. Maintaining a good credit history and score can be vital when seeking affordable second hand vehicle financing.

The term – the amount of time approved to repay the loan, can significantly affect the repayments and comes into consideration with used car finance. The rate, term and loan amount together determine the monthly repayment. Use our calculator to see how this all works to determine repayments for the vehicle you are considering. We look at getting the best possible for all these inclusions to deliver affordable financing options for our buyers.

With secured financing options, lenders require buyers to have comprehensive motor vehicle insurance coverage and we may assist in sourcing the most affordable policy. With so many variations in second hand vehicle financing, why take chances? Use our expert services and be confident that your best interests have been addressed and the best financing option secured.

• Secured best rates, and flexible terms for workable repayments.
• Assistance with checks, and verifications.
• Individual attention to your needs, and your specific vehicle details.

Maximise the Advantages of Choosing Used Car Finance

The key advantage of buying second-hand rather than new is the purchase price. Quality second hand vehicles can be thousands of dollars less than the price of the latest new model. But most will still be priced at a figure that requires credit for most buyers. That’s where we assist buyers to maximise their purchase – with the right lenders, lower rates, flexible terms and additional support for second-hand vehicle credit.

The second-hand vehicle market is extensive and so is the lending market for used car financing. Getting the right lender can be critical when so many elements of this type of financing can be dependent on lender criteria and assessments. With our access to 80+ lenders, we have what buyers need to secure the best option – more lenders to choose from! And we find you the right one.

The way the vehicle is being bought can affect the approach to sourcing financing. When buying online or from interstate we provide support with a range of checks and verifications. When buying at auction and online, we provide pre-approved financing. Empowering buyers to confidently bid and confirm, knowing they have the facilities secured to settle on the purchase.

Make the first move to maximising your vehicle credit by contacting us. One quick call, one convenient online connect, and you are on your way to securing the most affordable used car financing.

• 80+ lenders – more options for the right lender, lower rates.
• Best rates, flexible terms.
• Specialist support to maximise your options.

Navigating the Classic Car Loans Market with Jade Finance

Classic and vintage vehicles are special and deserve special attention in sourcing funding for their purchase. The type of vehicle, its age and whether being acquired to operate on a regular or occasional basis or purely to be garaged as a collectible asset, can have a significant bearing on the financing options and outcomes.

We have extensive experience in financing classic cars, have access to specialist lenders in this market and appreciate the importance of the acquisition to our buyers. Supporting them to navigate the market to obtain the most suitable financing option to suit their objectives.

Those seeking to optimise asset appreciation may target minimum total tax payable with a shorter repayment term. Buyers looking to keep ongoing costs down for a regular drive may seek the most affordable monthly repayments. Whatever the objective, whatever the vehicle, we appreciate and value each purchase for its uniqueness and source the most suitable funding solution.

• Specialist classic and vintage car lenders.
• Options for collectible and regular drive models.
• Finance to target asset growth, and lower repayments.

How to Find the Right Finance Plan for Your Used Car

The right financing plan starts with identifying the right lender. Lender criteria for assessing second-hand vehicles and credit applications vary across the market. We have over 80 lender accreditations and we know how each assesses applications to make offers.

Using our resources and expertise, we find the right lender to suit each buyer and their vehicle. Negotiating with the lender to obtain for our customers the best plan, rates and repayment schedule to suit their budget. The vehicle and lending market may be large and confusing, but finding the right credit plan is easy – just contact Jade Finance.

• Access to 80+ lenders to find the right lender.
• Experts negotiate the right plan to suit individual buyers and vehicles.
• Personal attention, and fast service to secure the best value deals.

Applying for Used Car Finance – Quickly, Easily, Conveniently

Securing the best second-hand car deals in a highly competitive market requires fast access to loan approvals. We provide that with our online tools and resources, quick quotes and 24-hour approvals. Easily submit your application online – before or after finalising your buying selection. We’ll do the work to get you the best rates, best repayments and the best deal – quickly and easily.

• Fast and easy online applications.
• 24 hour loan approvals.
• Pre-approved used car loans with no obligations.