As the calendar clicked over to 2019, all cars automatically became 1 year older. This means it is time for the new and used dealerships to quickly clear out their ‘old’ stock and make way for newer models. To help sell cars, dealerships are currently very quick to offer significant discounts. They are also happy to include add-ons and accessories for free and drive-away pricing to help close the sale.

Visit any dealership website or car yard and you will immediately see advertisements promoting a bargain. All makes and models are currently on sale, with discounts and specials unheard of during other times of the year.

And the bigger the discount, the lower your repayments will be if you choose to finance your new or used vehicle. Start the New Year on a high with the best deal possible on a new or used vehicle.

2018 and older plate run out sales

Out with the old and in with the new. The first few weeks of the new year are a great time to grab a bargain on a 2018 or older plate car. Most dealerships need to clear out this ‘old’ stock to make way for 2019 plated vehicles, so run out discounts are being offered across the country.

All makes and models are usually included in dealership stock clearance specials. This includes small cars, medium cars, SUVs, utes, 4x4s and trucks. Get ahead of the pack wanting a 2019 model and get the best deal possible on your new car now. Pop into your dealership in January or February and ask to see only run-out models on sale.

If you’re unsure how much you should spend, Blink Finance can help you shop with confidence by offering finance pre-approval before you visit the dealership. This obligation free reassurance takes 5 minutes over the phone and will help you set a spending limit to assist with price negotiations.

It will also speed up the purchasing process for you, as you will have already begun our highly streamlined and efficient finance application process.

Dealership or private seller

The dealerships may be clearing out their stock, but don’t forget about the private sellers. They will also be keen to sell their vehicle, especially if they listed it for sale in 2018. Most likely they have now dropped the price or will be more open to dropping the price when you begin sale negotiations.

Have a look at when the car was listed for sale and use the time-frame to your advantage!

Blink Finance can help you purchase privately with confidence, by offering you a warranty on your used car vehicle. To benefit from a used vehicle warranty, the vehicle you purchase must have a current road worthy certificate.

Small business and ABN car loans

The New Year is an excellent time for business owners and ABN holders to set themselves up for the year. In addition to the Australia wide discounts on new and used vehicles, purchasing in the new year means there are still 6 months’ worth of tax claiming benefits.

Blink Finance offer a range of finance packages that will help you purchase a vehicle and unlock your business potential. No deposit, 100% finance options are also available, so you don’t miss out on the new year bargains.

For those who are trying to get their business off the ground, or are a new ABN holder, our “start-up” loan packages via our sister company, Zoom Car Loans, might be exactly what you are looking for. They have been specifically designed to allow new business’ to purchase income generating equipment and vehicles without the need for financials and minimum trading periods. Whether you require equipment, machinery, software, one vehicle or a whole fleet of vehicles for your staff, Zoom Car Loans will find you the ideal solution from our range of lenders and can even help assist those with an adverse credit history. To do this, we work with a range of lenders who say yes, when your bank says no!

The catch with in house dealership finance

In house new car dealership finance may seem like an easy option, but there are many hidden points to be aware of.

– Most dealerships require you to have a high credit rating, with no blemishes, to be approved for their finance.

– In house dealership finance often have access to only a couple of financiers (lenders), limiting your options and chance of getting the best deal available. They also have an alliance with these companies, resulting in hidden fees and commissions payable to the dealership when you accept their finance package.

– Loan terms and repayments are pre-defined for you, with minimal room for flexibility. This can result in a large balloon payment at the end of your loan.

– In house dealership finance consultants are often not accredited finance specialists. Essentially they are sales people, employed by the dealership to make the most money from you when you purchase a vehicle.

It may be tempting to sign up, whilst they dangle the keys to your new car in front of you, however savvy buyers should think twice and consult a broker, like Blink Finance, to explore all their options.

The Blink Finance experience

Blink Finance compares over 30 leading bank and non-bank lenders Australia wide to get you the best finance deal possible. With 1 simple application, Blink Finance begin the process of comparing your options, without making unnecessary enquiries on your credit file.

Our team of highly skilled and experienced brokers who take the time to learn your story and then advocate on your behalf to get you approved. We know exactly what the different lenders are looking for, so are your best chance getting approved.

Blink Finance also let you choose where you purchase your vehicle from. New or used, dealership or private seller – the choice is yours!

Get started on your obligation free finance application now.

Vehicle sourcing service

Haven’t found the perfect car? Don’t stress. Blink Finance work with an extensive network of reputable new and used car dealerships Australia wide. Our vehicle sourcing team will help you find the ultimate bargain to kick start 2019. Once you’ve submitted your finance application, simply let your broker know that you need help locating a vehicle. Our team will then spring into action to find you a car within your budget, requirements and personal preferences.

Don’t like white cars? Only want an SUV? Want a 2015 or later model? No worries. Whatever your wants or needs Blink Finance will find you a vehicle that ticks all the boxes. If the vehicle sourcing team can’t find you a car from a reputable dealership, they will expand the search to the private market.This service is free.

Don’t let someone else steal your new year car bargain.

Apply now for finance pre-approval and get ready to drive away in your new vehicle in early 2019.

Think Finance. Think Blink.

The post How to make the most of the new year car sales first appeared on Blink Finance.

Blink Finance aren’t Santa but might as well be, because we can help you get a new car before Christmas day.
We have a full team of brokers on board in the lead up to Christmas. Our brokers work with over 30 bank and non-bank lenders to find out clients the best finance deal possible.

With our streamlined application process, having a car before Christmas Day is as easy as 1, 2 … 3.

Step 1: Get started with an obligation free expression of interest

Apply now and within 10 minutes one of our highly experienced brokers will call you back. They will run through a few questions with you, learn about your purchase goals and arrange pre-approval over the phone. No deposit? No worries.

Step 2: With your pre-approval behind you, begin test driving.

With your pre-approval behind you, the fun can begin. Start searching online or visit your local dealership to start test driving. Whilst you’re doing this, your broker will work on your behalf to find you the best approval possible. They will be in touch if they need any additional details or paperwork.  As soon as your broker  secures you finance approval, they will be in touch to finalise everything before Christmas.

Step 3: Good news! You’re approved and can collect your car shortly.

Once approved, settlement usually occurs within 24 – 48 hours after you’ve found the perfect new car for Christmas.

Unsure whether or not you’re eligible?
Blink Finance help thousands of clients each year. Whether you’re after a car for personal use, a fleet of trucks for your business or don’t have a deposit yet, Blink Finance will work on your behalf to get you approved.

Having a new car before Christmas can be a reality with the help of Blink Finance.

Think Finance. Think Blink.

The post A new car for Christmas thanks to Blink Finance first appeared on Blink Finance.

With options available for equipment, machinery, vehicles, or even an entire fleet of trucks, there has never been a better time to get your business off the ground or take it to the next level.

The Blink difference

The Blink Finance team are highly skilled and experienced brokers, who take care in sourcing only the best for your current or upcoming business needs. We also understand that no two businesses are the same and each finance application requires a personal touch. So rather than blinding shopping around yourself and ending up with a less than perfect outcome, choose Blink, and enjoy working with real people who take the time to learn the ins and outs of your financial requirements. They will then advocate on your behalf to get you the best approval possible from our panel of industry leading bank and non-bank lenders.

So no matter what your business circumstances are, your dedicated Blink finance specialist will be there for you, to navigate the various lending criteria, interest rates, and document requirements (including low and no doc options) for your next business vehicle, machinery or equipment purchase.

It’s this understanding, experience and genuine care for our small business clients, that sets us apart from your everyday broker.

Start-up loan packages

And for those who are trying to get their business off the ground, our “start-up” loan packages might be exactly what you are looking for. They have been specifically designed to allow new business’ to purchase income generating equipment and vehicles without the need for financials and minimum trading periods. Whether you require equipment, machinery, software, one vehicle or a whole fleet of vehicles for your staff, Blink Finance will find you the ideal solution from our range of low-interest lenders and can even help assist those with an adverse credit history. To do this, we work with a range of lenders who say yes, when your bank says no!

Unlock your business potential

Experience the Blink Finance difference and let us help you unlock your business potential.
Think Finance. Think Blink.

The post Need financing options for your small business? Think Blink. first appeared on Blink Finance.

At Blink, we are all about building a relationship with our clients and being there for them at every stage in their life.

If you are one of our satisfied clients and would love to recommend us to your friends, family, colleagues, neighbours, your dentist … whoever! … we will gladly thank you with a $100 EFTPOS gift card when their loan settles.

The only condition is that to receive the $100 EFTPOS gift card, the person you refer will need to be a new client and settle a $8,000+ loan with us. It’s that easy!

Plus, so we know it was you that referred them, they simply need to mention your name to their consultant before their loan settles.

We will then send you the voucher via registered mail, to the postal address listed on your recent loan application with us.

Your $100 EFTPOS gift card can be used just like cash, so you can spend it on whatever you fancy.

Start referring now by sending your connections the below link (www.blinkfinance.com.au/apply-now) and then sit back and wait for $100 gift cards to come your way!

Please note: This program is effective from Wednesday 19 September 2018 and is strictly for new client referrals only. Prior referrals, applicants and loan settlements are not included in the program.

The post Blink Referral Program first appeared on Blink Finance.

Blink Finance has chosen to align themselves with LIVIN, mainly due to the incredibly important messages they promote regarding mental health and open communication. Having friends, colleagues, family and clients who have suffered and/or suffer from mental health related issues, we would love to be able to contribute to an organisation that supports this with a fresh, innovative and welcoming approach.

At Blink Finance we pride ourselves on our openness, transparency and supportive nature, especially in regard to staff communication and personal development. We always give young Gold Coasters the opportunity to enter what can be a daunting and challenging industry, regardless of their personal circumstances or life experience. We equip them with the skills and confidence they need to grow and develop and extend this open relationship throughout their career.

We recognise a similar approach taken by LIVIN, to encourage people to be open and honest about their mental health, and feel we go hand in hand with their key message #itaintweaktospeak

By aligning ourselves with LIVIN and further educating our staff and clients about mental illness, we won’t just raise awareness and funds, but we will actually be able to help change lives.

For the all these reasons and more, the LIVIN brand strongly resonates with both our personal and corporate values, so we want to do all we can to help LIVIN fight the battle against mental illness.

We have established an online fundraising page through Everydayhero, with an initial goal of $5,000.
We hope to absolutely smash this goal and encourage you to get on board and support the cause.

All donations made over $2AUD are fully tax deductible.

Stay tuned for our ongoing fundraising and awareness initiatives.

DONATE NOW

The post Blink Finance supports LIVIN first appeared on Blink Finance.

This a fantastic opportunity that will benefit you and your business and one you shouldn’t waste any time pursuing.

What is the $20,000 instant asset write-off and can I claim it?

If you are a small business owner with an annual turnover of less than $10 million, then the EOFY $20,000 instant asset write-off applies to you!

The policy was initially introduced in the 2015 federal budget. It enables businesses like yourself, to buy or finance an asset up to $20,000, then immediately deduct the business portion in your upcoming tax return. Essentially, the write off enables you to claim the depreciation deductions on the life of the asset in one go, up-front, rather than over a longer period.

In turn, this reduces your taxable income and therefore the tax payable by your business in the year you bought the asset. And we all know that less tax means more profit!

For further information you can also visit the ATO Newsroom website.

Let Blink Finance help you make the most of the scheme

Blink Finance can provide finance for a range of business assets including motor vehicles and equipment. So even if you don’t have all the funds right now, we can organise financeˆ for you, so you can still claim the asset-write off in your upcoming tax return.

Once applying, we will work with Australia’s leading banks and lenders to source you the best possible deal. In fact, we are so confident we can find you the best rate, we guarantee it!

We also can assist with sourcing vehicles and goods that fall under the $20,000 threshold, by utilising our dealer network and industry contacts.

When to apply

If the information provided above strikes you as a beneficial opportunity, don’t waste any time. The end of financial year is fast approaching and all assets must be purchased and paid for by the 30 June 2018 to utilise the $20,000 write-off this financial yearˆˆ. Luckily for you, Blink Finance has a quick and easy approval process, backed by a team of dedicated finance specialists who will provide you with assistance through the application process.

And don’t forget that we can also provide support with asset sourcing! We are happy to share our industry contacts in an effort help you reduce the total cost of your chosen vehicle or asset. This is just one of the things that sets us apart from other brokers or lenders.

Make the right move and APPLY NOW with Blink Finance, to kick start your end of financial year $20,000 write-off application.

ˆ As long as regulatory conditions are met.
ˆˆ Blink Finance are not financial advisors, nor can we provide taxation advice. Please consult your tax agent for full terms and conditions.

The post ,000 EOFY instant asset write-off first appeared on Blink Finance.

Fitch Ratings, a credit rating agency, determined that late vehicle loan payments reached a new high last year that hasn’t been seen since 2010. The statistics were based on $12 billion worth of Australian auto loans that were sold to investors as asset-backed securities. Make sure you don’t find yourself among those overextended car buyers by looking for the best low interest car loans that offer comfortable repayment terms.

Borrowing vs. Buying Outright

If you have enough money in the bank, you may be able to buy a car outright. Before doing so, make sure you are making the best choice for your household and financial standing. There are some good reasons to consider buying outright. There’s the benefit of owning the vehicle right away and not paying any interest, but there are also concerns about draining your bank account in case of emergencies.

Buying outright can also be very limiting when choosing a vehicle. For example, if you have $9,000 to buy a car, then you can only afford a car with a total cost of that much. If you decide to go with low interest car loans, then you can get far more vehicle by using your $9,000 as a down payment. It could mean the difference between buying a used car with a shorter life span or financing a newer model that will last longer and offer more features and better reliability.

Interested in our Best Low Interest Car Loan 

Lenders may be pickier when deciding whether or not to lend to individuals who approach them directly. When you work with a broker like Blink Finance, you are more likely to be approved. Almost anyone can get car financing when they work through a broker. That’s because we are industry experts who can show you to the right lender. There’s no guesswork involved, and it takes far less time than doing it alone!

Low interest car loans are available right now! Find them by contacting Blink Finance at 1300 827 848 or stop by our website to submit an online assessment.

The post Finding the Best Low Interest Car Loans with Blink Finance first appeared on Blink Finance.

Find Amazing Rates with Us

Finding affordable car finance rates is not easy without industry experience. It takes time and effort to network with lenders and car dealerships. Do you have the time to go through every lender in Australia to find the lowest interest rates and best price? If not, then Blink Finance is your best bet. We partner with over 30 lenders to provide a variety of options when looking for the best rates for you. We do the hard work, so you don’t have to!

The Complete Package for You

There are many components that go into cheap car loans. There’s interest, fees, repayment terms, and more. By maintaining relationships with many lenders, we can offer a wide range of low-interest finance options to our clients. We can show you what’s available so you can review the complete package and find a financial product that meets all of your requirements.

We Do More Than Your Bank

You can borrow money from the bank, but you’ll be doing everything else on your own. Blink Finance offers so much more than the average bank. We provide advice and financing options as well as other vehicle services like ownership transfers, insurance, and registration. We can even negotiate a better price with the dealership! You get a great deal with all the extra services required to complete the transaction and get your new vehicle road-ready!

Sound Advice from Auto Loan Experts

Do you want to learn more about maximising your buying power and increasing your chances at loan approval? We can help! We can review your information and make recommendations or answer your questions about any part of the car buying process. You get sound advice that can help you save money in the long run.

Apply for Cheap Car Loans Today!

You can apply for cheap car loans right now by visiting the Blink Finance website. Stop by and complete the free online assessment or dial 1300 827 848 to discuss your personal financing needs with our friendly experts.

The post We Offer Cheap Car Loans with Convenience first appeared on Blink Finance.

Buying a Car with Personal Loans

Personal loans are commonly used to finance a number of personal projects and expenses. The list usually includes home renovations, holiday travel, debt consolidation, and medical procedures. They can be used in place of car loans, but this is not usually recommended. That’s because it is not your cheapest option when buying a vehicle. If you plan to use personal financing, make sure you pay attention to interest rates to prevent overspending in the long term.

Financing with Traditional Car Loans

Car loans are the more common way to finance a vehicle purchase. They are similar to the personal version but usually offer lower interest rates because the lender will use the vehicle as security against the amount borrowed. Fees and interest will vary from one lender to the next, which is why you should consider working with Blink Finance to get the best deal on financing.

Car Buying with Chattel Mortgage Loans

The Chattel Mortgage is a type of loan that was created for the purchase of business-use vehicles. In this situation, the company owns the vehicle and the lender will use the vehicle as security. This option usually offers the lowest interest rates compared to other types of business loans. The contract usually lasts 12 to 60 months and the vehicle may be eligible for tax deductions when used for business.

Applying for a Commercial Hire Purchase

A commercial hire purchase works a little different from other car loans. In this situation, the lender will buy the vehicle then hire it to the client for an agreed-upon length of time. The client has full access and use of the vehicle during that period, but doesn’t actually own it. After the final payment is made, vehicle ownership is transferred to the client.

Agreeing to a Novated Lease

A novated lease is a three-way system that works between a leasing company, employer, and the employee. The employee leases the vehicle from the leasing company, and the employer takes on responsibility. The employer makes the lease payments for the employee, deducting the amount from the worker’s pre-tax income. This type of financing can be approved as a vehicle-only lease, a fully maintained lease that includes running costs, or a fully maintained operation lease that factors in running costs and residual value risk.

Choosing the Best Car Loan

The most effective way to choose the best car loans is with the help of someone who knows the vehicle market and financing industry. Blink Finance is your full-service personal loan solution. Contact us at 1300 827 848 or visit our website to complete an online application.

The post What Car Loan Is Right For You? first appeared on Blink Finance.

How to Apply for the Best Car Loans with Us

We are always available to answer questions and help you make the right decision when buying a new car or truck. If you’re ready to get started, you can visit our website and click the “Apply Here Now” button. Enter your name, phone number, email address, and the amount you want to borrow, and we will review your application and provide you with options.

The Benefits of Working with Blink Finance

If you want to choose from the best car loans, then you need someone who knows the industry on your side. Our goal is to provide excellent customer service that focuses on your needs. There are many time and money saving reasons to work with Blink Finance.

Lower Car Prices

Did you know that we may be able to lower the purchase price of your vehicle? Blink Finance maintains relationships with Australian car dealerships that gives us an edge when negotiating. Let us work with the seller on your behalf to get the price as low as possible so you get the best car loans.

Better Interest Rates

Our expert staff knows how to connect you with the most economic lenders available. We will review your application to determine the best way to approach the car buying process. We are also happy to provide advice and recommendations that could lead to lower interest and lower monthly payments.

Friendly Service

As far as we are concerned, this process is all about you. We help you find the best car loans by providing friendly service that focuses on your situation. Our goal is to show you to the right lender while establishing a lasting relationship as your go-to resource for personal finance.

30+ Lenders in Australia

We work with a network of over 30 Australian lenders, including both large and small financiers. This allows us to determine which lender offers the best car loans for you. You get premium service and access to a powerful network of potential lenders.

Now is a great time to apply for a new car loan! Get in touch by calling 1300 827 848 or visit our website to complete our free online assessment form.

The post How To Find The Best Car Loans With Blink Finance first appeared on Blink Finance.