FAQ

Name: Jade Car Loans
Brand: Car Loans - Cheap Car Finance From 6.94%* | JADE
Rating: 4.95 (1378 reviews)

Below are a few frequently asked questions that may help you when choosing a loan that's right for you.

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Car Loan Interest Rates FAQs

We provide finance for both personal motor loans and business vehicle finance so we advertise a separate rate for these two categories. Loans to businesses are considered as lower risk than loans to individuals and as such, attract a lower interest rate from the majority of lenders.

Businesses have ongoing operations, often with long term trading histories and significant assets and ability to repay the loan compared with personal loan applicants.

When sourcing quotes for all types of loans, Jade consultants address every application individually and negotiate hard on behalf of our customers to achieve the cheapest interest rates on all our loans.
No. 0% interest rates tend to be offered by motor vehicle dealers. It is widely considered that this is used as a promotional tool to attract buyers. In most cases, the 0% is only for an initial, short-term period of the loan term and in some cases subsidised within the margin of the goods sold.

This type of loan often includes inflated fees and charges so the lender can recoup the foregone interest on the loan.

If you are offered a 0% interest rate vehicle loan, you would be advised to read closely the terms and conditions and analyse the costs and assess the total cost of the loan. Jade can source you a quote so you can compare what we can achieve for you in the total loan cost.

By engaging Jade to source your motor loan, you have access to a large lending panel of both banks and non-bank lenders. Having more choices we know from experience can result in cheaper interest rates.

Engaging Jade allows you access to our expertise in negotiating cheaper rates than you can usually achieve on your own. We have strong bargaining power as well as access to lenders that are more flexible and open to negotiating rates.

Interest rates are offered by individual lenders based on the risk assessment of the individual applicant. Prior to applying for a loan, personal borrowers can address their credit profile and fix any issues which improve their profile and attract a better interest rate.

Business borrowers seeking no docs and low docs loans can sometimes improve their chances of achieving a better interest rate by providing more documentation to support their application.
Interest rates on a range of loans can be either fixed or variable. With fixed rates, the rate is set at the time the loan is established and remains at the rate for the entire loan term, regardless of any changes in the official cash rate (interest rate) as announced by the Reserve Bank of Australia.

With variable interest rate loans, the rate on the loan may change in line with RBA changes if the lender passes on those changes to their customers.

Jade arranges fixed interest rates for both business vehicle finance and Secured Motor Loans for personal borrowers. This provides you with certainty over the entire term of the loan.

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How we have helped Australians like you

      EXCELLENT  
   Based on 1378 reviews 
    
 
 
 
   
 
 
       Posted on Google  
   
   Alessio Mosticone 
 
 
 
 Trustindex verifies that the original source of the review is Google. I recently organised equipment finance through Jade Finance and had the pleasure of dealing with Barry throughout the entire process. From start to finish, he made everything incredibly easy and stress-free, keeping me informed every step of the way.

What really stood out to me was Barry’s genuine commitment to getting me the best possible deal. It’s clear that he truly cares about his clients and goes above and beyond to achieve the best outcome for them. Having someone you can trust who genuinely has your best interests at heart makes the whole experience so much more comfortable and reassuring.

I’m honestly so impressed with everything Barry has done for me and couldn’t be happier with the service I received. I would highly recommend Barry to anyone looking for finance. An absolute pleasure to deal with!
  
 
      Posted on Google  
   
   Kyle Best 
 
 
 
 Trustindex verifies that the original source of the review is Google. Great to deal with , find you the best possible rate , fast and efficient service would highly recommend
  
 
      Posted on Google  
   
   Mark Jackson 
 
 
 
 Trustindex verifies that the original source of the review is Google. Really good to work with thanks heaps
  
 
      Posted on Google  
   
   Allan Bryant 
 
 
 
 Trustindex verifies that the original source of the review is Google. Like was great help even after a few sticky situations with the seller. Will do business again with him 👌🏽
  
 
      Posted on Google  
   
   Stephan Graham 
 
 
 
 Trustindex verifies that the original source of the review is Google. Such a helpful service and Skye made the application process easy to understand, with freedom to choose a product which was right for me with financing my new car. Thankyou Skye @ Jade finance 😃
  
 
      Posted on Google  
   
   Treyden Brotherton 
 
 
 
 Trustindex verifies that the original source of the review is Google. Really great first experience, hassle free and consistent communication. Ethan was also extremely nice and helpful
  
 
      Posted on Google  
   
   Thomas Shaun 
 
 
 
 Trustindex verifies that the original source of the review is Google. Amazing service. Spoke with a few brokers all were not willing to have a go. I was pleasantly surprised when Ethan gave it a go and got the result we wanted. Very impressed and great communication would highly recommend. Pleasure to work with
  
 
      Posted on Google  
   
   Shaun O'Toole 
 
 
 
 Trustindex verifies that the original source of the review is Google. Thomas Koenig was first class in his efforts for me.I enquired on the Monday and by Friday I picked up my new boat!! He is a credit to the company and highly recommended. Communication was excellent alsoThanks again.