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Car Loans

- We have partnered with some of Australia’s premier brokers to kickstart your car loan search.

Tell me more!

Avoid The Finance Potholes with Nifty’s Car Loan Refinance Options!

Need a hand getting back on the road?

Have you recently purchased your dream car, but you’re quickly realising that you may not have ended up with your dream loan? It happens more often than you’d think! People are in such a rush to get their hands on their shiny new wheels. So much so that they don’t read the T’s and C’s of the finance they’ve been offered. Suddenly those interest rates are looking a lot scarier than initially expected. Well, the good news is that you aren’t stuck in a horrible financial position. Nifty is here to save the day with our car loan refinance option! That’s right Nifty is expanding. For another interesting read, check out The Key to Having a More Attractive Credit File.

Car loan refinance

For anyone already familiar with Nifty, you’ll know that we are a handy little neo-lender that offers small to medium loans of $300 up to $5,000. But now we’re branching out to help our clients find car finance from $10,000 up to $50,000 as well! Whether you’re looking to take out a brand new loan to purchase a new car or you’re looking at your refinancing options on an existing car loan, Nifty can help you out. Does this sound like something you might be interested in? Read on for more information!

*Note* Nifty doesn’t actually finance or assess car loan applications

Say hello to Nifty’s new broker-finding service

Nifty is branching out the small lending finance sector and making waves in the larger car finance sector. You know we’re already experts at providing finance in the small lender sector, so why not trust us to help you out with your car loans as well. Think of us as your one-stop-shop for finance! We help you get your hands on that shiny new car by helping you out with your car finance. We’re also able to assist with all your car loan refinance ventures!

We’ve teamed up with the champs over at Diversifi who have years of experience in the finance sector and are able to source some of the best lenders around. They’re experts at finding the best finance solutions. They’re quick and will take all your financial needs into consideration to ensure you’re getting the best lender for you. Diversifi are committed to constant upskilling so that they can continuously offer you the best services on the market.

Nifty’s broker-finding service is quick, easy and trustworthy. We’ve taken our little guy values and applied them to larger loan products. You’ll still get that personalised service you know and love, with even more flexibility and options than ever before!

How can Nifty’s broker-finding system help me with car loan refinance?

Nifty’s broker-finding service is going to be a great perk for those who are looking at car loan refinance. If you’re unhappy with your car loan, Nifty’s car loan refinance service is for you! After you have submitted an application, we can connect you with the right broker and they’ll see what lenders are out there who can offer you better loan terms. This will allow you to make sure you’re getting the best car financing you possibly can. Getting someone else to do the searching for you can save you time and money!

How does car loan refinancing work?

Refinancing a loan is a simple concept. In a nutshell, you apply for a car loan amount that covers the existing loan you already have. Once you are approved for the new loan you then use those funds to pay off your existing car loan. You will then make payments on your new loan. The perks of car loan refinancing are that you can generally get better loan terms that will save you both money and probably shorten the length of your loan as well. If you manage to score yourself a better interest rate, you’ll end up saving a lot of money in the long run.

Car loan refinancing is a great way to score yourself a better deal with a lender that might not have been available when you took out your first loan to buy your car.

Who can apply for car loan refinance?

Nifty’s broker-finding service has a few eligibility criteria you need to meet first. We’ve kept our eligibility criteria nice and simple so that we can get straight on to the important business of finding you the perfect broker. So, if you meet the following criteria, then you are eligible to apply today!

  • You must be at least 18-years of age;
  • You must be an Australian citizen or permanent resident;
  • You must have a driver’s licence;
  • You must have been receiving a regular working income into a personal bank account for at least the last 3-months;
  • And you must have a credit score of 300+.

If you can tick all of the above boxes then you’re eligible to apply! That’s great news! Submit an application with Nifty today and we’ll get straight on to finding you a broker to get that car loan refinance sorted!

How do I apply for car loan refinance?

You don’t have to fret over all the little details and get distracted from the important things, like picking your ride. We’ll just ask you a couple of questions and get a few pieces of information from you before putting you in touch with a broker. In this type of lending situation, Nifty is simply the middle man, with your broker doing most of the work. We’re just here to put you in touch with your broker and provide them with a few pieces of crucial information to make the whole process as seamless as possible for you. It really is that simple.

Step one – submit a car loan refinance application online with Nifty

To get started, simply scroll up to the top of this page and let us know how much you’re looking to borrow – you should apply approximately for what’s left remaining on your current car loan. Answer a few quick questions for us and hit that ‘Submit’ button. This part should only take you a couple of minutes. Your application is already off to a speedy start!

Step two – we find you a broker and they get in touch with you

Once we have received your application, we’ll take a look and see if there is a broker we can match you up with. This step will take us a few minutes, so while you’re waiting feel free to go and grab a coffee and get comfy while we do all the hard work for you. Don’t forget to keep an eye on your notifications for any follow-ups or important information from us or your broker!

Step Three – Pre-approval!

Once your broker has received your application, they’ll contact you and begin working with you directly to get you pre-approval for your car loan refinance.

By this point, your broker will have done all the hard yards for you and started finding you the perfect lender to help out with your refinancing journey. Have you heard the good news that your application has been pre-approved? Woohoo! With pre-approval, you’ll know that your broker has managed to find you a fantastic lender who is willing to help you out with all your car loan refinance needs! Keep your eyes peeled for some new and exciting terms coming your way!

There you have it. Just 3 easy steps and you could be on your way to being the proud recipient of a handy new car finance loan! Now that you know how pain-free getting that car loan refinance is with Nifty, you can focus on the more important things in life. Whether you’re shopping around to find the best deal or you’re simply not happy with your current car finance terms, car loan refinance through Nifty will up your finance journey!

What car loan refinance options are available?

Your refinance terms will differ from person to person and will be dependent on what your current car loan looks like. However, generally, you can expect your car loan refinance terms to fall somewhere in these guidelines:

  • Loan amounts ranging from $10,000 up to $50,000
  • Loan term lengths ranging from 1 year up to 7 years.

Your broker will go through the details with you and discuss what will be best for you personally. They will help tailor your refinancing terms to your circumstances so your payments are just the right amount and easily manageable. They have a ton of experience helping their clients refinance existing loans and tailoring new loans to their applicants. It’s why they’re so good at what they do!

What information do you need from me?

We don’t need a huge amount of super detailed information from you at the beginning of your car loan refinance application. So, don’t feel obliged to go hunt down as much financial paperwork as you can find or start pulling out papers from behind the filing cabinet. We simply ask that you have the following information handy when you start filling out your application.

  • We’ll need your personal details I.e. name, date of birth, address, etc;
  • We’ll also need to grab a mobile number from you so we can give you a call;
  • Finally, we’ll also need to grab your personal email address from you as well.

See, nothing too detailed or obscure! Just some simple information that will be a big help when we start looking for your ideal broker. Once we have found your broker, they’ll be able to get details of your current car loan from you directly.

Will Nifty conduct a credit check on my application?

The short answer is that no, Nifty will not conduct a credit check on your car loan refinance application. This is because Nifty will not be your lender, but more of a middle man connecting you with a broker and through them, to a lender. Your broker may perform what they call a “soft” check so that they can find you the best lender but this will not appear on your credit report. Any credit checks that may be undertaken will be at the discretion of your lender once found.

Why wait – apply now!

If you’re looking at car loan refinance options, then Nifty can help you out. We’re committed to matching you up with a broker who is going to find you the best lender they possibly can. They’re experts in the field and are here to help you get the best loan tailored to your financial situation. If this sounds like it’s too good to be true, trust us, it isn’t! We’ve taken the hard work out of finance for you and made it an absolute breeze.

Submit your application for car loan refinance now and let’s see how Nifty can help you out. With our dedicated team of brokers at our fingertips, you might be surprised what refinancing solutions we can whip up for you. Utilise the benefits that Nifty offers and know that our flexibility, reliability and trustworthiness are here to make your refinancing journey that much easier.

If you have any questions about our car loan finance options or broker-finding service or you want to check up on the status of an application you submitted please don’t hesitate to give us a quick call on 1300 471 328. We’re always here to help!

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