Tips for Choosing the Right Car

December 2nd, 2016

Assess Your Needs

Thinking about buying a new car? The first thing you need to do is assess everything that you need in a vehicle. Don’t just think about what you need now – think about what you might need in the future. Here are some basic questions to consider:

  • How many passengers will you be carrying?
  • What sort of driving do you do? Highway, suburban, off-road?
  • How important is fuel economy to you?
  • Do you require all-wheel drive?
  • Which safety features do you need?
  • Manual or automatic?
  • How much garage space do you have?
  • Do you need a lot of cargo capacity?


Set a Budget

Once you have assessed your needs, you need to set a budget. If you are considering leasing or loaning, consider how much you can realistically afford to pay each month. If you’re not sure, ask one of our experts – we can help you find a repayment plan that suits your circumstances.

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Consider Long-Term Costs

Once you have found a car that you like, consider the long-term costs. Some cars might be cheaper to own in the meantime, but actually work out to be more expensive in the long-run due to their depreciation and running costs. Before you decide on a car, consider the ongoing maintenance, insurance and fuel costs. If you’re not sure how to work this out, we can help.

Find the Right Car Finance – Lease or Loan?

Leasing and loaning both have their benefits. For more information, check out our previous blog post Should You Lease or Loan.

Leasing Benefits

  • You can drive a more expensive car for less money.
  • You can drive a new car, with the latest technology, every few years.
  • Lower monthly repayments.
  • Low down payments.
  • Less overall commitment.

Loaning Benefits

  • More flexibility in terms of your car use.
  • You will end up owning the car.
  • You can modify the car to your tastes.
  • There are no mileage penalties if you drive a lot.
  • In the long run, your car expenses will be lower.

Test Drive

Before you decide on a car, you need to test drive it. The car might look ideal from the outside, but once you get into the driver’s seat, your perspective might change. In fact, you should test drive a few cars so that you can compare them and make a well-informed decision.

Tips for your test drive:

  • Drive the car like you would in your everyday life (as long as it’s safe!) – try out suburban streets, speed bumps, corners, hills and freeways.
  • Test getting in and out of the car, from the front and back seats.
  • Check the boot space.
  • If you plan to install a child seat, bring it along and test how it fits.
  • Once you have tested the car music system/speakers, turn them off so that you can listen to the engine.

As you are driving, think about whether you can live with this car for the years to come. Take your time to look everything over thoroughly – never rush a purchasing decision. After test driving a few cars, make sure you sleep on your decision.

Chat to Our Staff

Our consultants have decades of experience. We genuinely want to help you find a car and a repayment plan that suits your lifestyle. To see what our past customers think of our services, check out our range of Facebook testimonials (we have never received a review under 5 stars!).

Don’t hesitate to contact us for more information.

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