18 guides, calculators and loan-amount breakdowns — written for Sydney and NSW, with the numbers worked out from the rates that actually apply here.
Work out the repayment and the duty before you talk to anyone.
Work out car loan repayments in Sydney. Move the amount, term and rate and see the weekly, fortnightly and monthly figure, plus what the loan costs in total interest.
ReadWork out stamp duty on a car in NSW. Current rates from the state revenue office, what the duty is at each price, and why it is the on-road cost most often left out of the loan.
ReadWhat each amount costs to repay, and what it actually buys here.
What a $10,000 car loan costs in Sydney: repayments across three, five and seven years, NSW stamp duty on a car at this price, and what the money actually buys here.
ReadWhat a $20,000 car loan costs in Sydney: repayments across three, five and seven years, NSW stamp duty on a car at this price, and what the money actually buys here.
ReadWhat a $30,000 car loan costs in Sydney: repayments across three, five and seven years, NSW stamp duty on a car at this price, and what the money actually buys here.
ReadWhat a $40,000 car loan costs in Sydney: repayments across three, five and seven years, NSW stamp duty on a car at this price, and what the money actually buys here.
ReadWhat a $50,000 car loan costs in Sydney: repayments across three, five and seven years, NSW stamp duty on a car at this price, and what the money actually buys here.
ReadHow lenders read your kind of income — and what to bring.
Car finance for nurses and health workers in Sydney. How lenders treat penalty rates and salary packaging, and why Sydney loan sizes make lender choice matter more.
ReadCar finance for teachers in Sydney. How lenders read a teaching salary, what salary packaging does to your assessment, and why casual and temporary teaching is treated differently.
ReadCar finance for aged care and disability support workers in Sydney. How lenders treat broken shifts, multiple employers and NDIS work, and what strengthens the application.
ReadCar finance for truck drivers in Sydney. How lenders treat per-kilometre pay, subcontractor income and linehaul allowances, and what an ABN changes about the application.
ReadCar finance for hospitality workers in Sydney. How lenders read casual hours, tips and multiple venues, and why only banked income can be assessed.
ReadStraight answers to the questions that actually come up here.
Car loans for Uber, rideshare and delivery drivers in Sydney. How lenders assess platform income, why the vehicle is a work asset, and what to prepare.
ReadBad credit car loans in Sydney. What defaults and bankruptcy mean for approval, what a higher rate costs on a Sydney-sized loan, and how to improve your position.
ReadGetting your first car loan in Sydney with no credit history. What lenders look for, how guarantors work, deposits, and the real cost of running a first car in Sydney.
ReadFinancing an electric or hybrid vehicle in Sydney. Green car loan discounts, how lenders value EVs, charging and running costs, and what to weigh before you buy.
ReadNovated lease or car loan in Sydney? How salary packaging compares to a standard car loan, who each suits, and the catches worth knowing before you commit.
ReadWhat buying a car in Sydney really costs: NSW stamp duty, registration and CTP, dealer finance versus pre-approval, and where to shop across the metro.
ReadNine quick questions, about a minute. No credit check to enquire, no obligation.
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