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Finding the right vehicle
Congratulations on your decision to buy a car!
Before you get the keys to your dream machine and drive off into the sunset, be sure to think about what sort of vehicle you want and need for now and the next few years.
Do you want a sedan, hatch, micro, ute, station wagon, people mover or utility? What you will use your vehicle for, where and how far you will regularly be travelling, with how many passengers and with what kind of cargo are some important considerations to make.
With the ever-rising cost of fuel, consider the fuel efficiency of your car or even consider a hybrid or electric car.
Extra special
Be sure to think about options and accessories you may want included, like window tinting, tow bars, fog lights and leather interior. These variables and extras can make a big difference to the final cost of your new car.
Dream car, dream price
Car sales websites like carguides.com.au and carsales.com.au are great starting points to help you locate used cars and also give you a sense of the general market, resale prices and value for money across different manufacturers.
Setting a budget
Organising your finances and setting a realistic budget (and sticking to it) is the next step toward driving off into the sunset in your new vehicle.
Reach your saving goals sooner with the help of one of our Savings and Invesment Accounts.
Or if you think you need a Personal Loan, use our Personal Loan Calculators to work out how much your repayments will be, the total cost of the loan, how much you can borrow and be realistic about what you can afford to repay.
Hot tips
Take it for a test drive
Even if it’s only a few kilometres around the block, those first few minutes behind the wheel will give you a great feel of the ride and driving experience of the vehicle.
Check it out
If testing out a pre-loved car, keep an ear out for rattles and shakes, and check gadgets and functions like the radio and air conditioning. Importantly, check there is no outstanding finance on the vehicle - it's not theirs to sell if there is bank-owed money on it.
Negotiating the sale
If you’re looking at new cars, grab the business card of the salesperson then walk away – it’s important to leave time for negotiations.
Show me the money!
Ready to buy your car?
You can organise a personal loan for new cars
and apply for fast, online
pre-approval, giving you the
power to negotiate the best
price on your new dream
machine.
Insure your new wheels
Protect your new car with car insurance. Each state and territory offers different minimum insurance, but we can help you decide on the level of cover that’s right for you and your wheels.
We can also insure your motorcycle, boat and caravan.
How to register your car
Register your car
When registering your new wheels for the first time, you need to check with the road transport authorities in the state you're registering the car.
These authorities are usually responsible for motor vehicle inspections and driver licensing services to ensure your car is ready to hit the road.
Find the relevant authority below and learn about next steps to register your vehicle in your state.
Most popular questions...
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What is Responsible Lending?
At People's Choice Credit Union we understand that credit is a very important facility which allows you to achieve your personal, financial or lifestyle goals faster than you could if you had to rely on your savings alone.
As a mutually owned financial institution we embrace our responsibility to understand your personal situation when we make recommendations regarding providing, extending or arranging credit for you. This is to ensure you are reasonably likely to meet the obligations you have in respect of repaying the debt and avoid experiencing financial stress.
But we recognise that situations may change from time to time which may inhibit your ability to meet your credit repayment obligations. We understand the pressures that you and your family may experience during these difficult times and we work with you to find a mutually acceptable solution to aid in your overall debt management strategies and to continue to work with you to achieve your financial goals.
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How do I find out a payout figure on my personal loan?
We can give you a payout figure for any set date by calling us on 13 11 82 or visiting your local branch. This payout figure will only be valid for the date requested. The balance that you view in internet banking does not include any interest accrued.
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Will my credit rating be affected if I access assistance?
Getting on top of your financial difficulties early is the best way to make sure your credit history remains in good condition. Get in touch with us as soon as you think you might have difficulty meeting your repayments so we can start working together on a solution.
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I'm after some information on managing payments to my People's Choice loan or credit card. Who do I call?
You can call People's Choice Credit Union on 08 8124 2148 . For more information, visit the Customer-Owned Banking Association website or you can call The National Debt Helpline on 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor.
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How do I refinance a personal loan?
To refinance an existing personal loan from People’s Choice or from another financial institution, to a personal loan with People’s Choice, you will need to apply to refinance either online, by calling us on 13 11 82 or by visiting your nearest branch.
During your application you will be required to provide some documentation so we can assess your situation. Examples include:- Loan repayment history – for the previous three months
- Bank statements
If you are applying to refinance online, please select Refinance as loan purpose on the online application form.
hi…
Thank you for your enquiry. Unfortunately we don’t have a branch in this area, so please call us on 13 11 82 to see how we can still help you.
Subject to the product issuer’s underwriting rules and acceptance guidelines.Terms, conditions and exclusions apply and are available upon application.
The information above is general advice only and does not take into consideration your personal objectives, financial situation or needs (“your personal circumstances”). Please consider the relevant Product Disclosure Statement (PDS), other Disclosure Documents and your personal circumstances before making any decision to purchase the products. Contact us on 13 11 82 with any questions, or visit your nearest branch to talk to a consultant.
General insurance (including Travel Insurance) is issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 trading as CGU Insurance. All our insurance issuers pay commission at rates which range from 0% - 40% of the base premium. The commission rate varies depending on the type of insurance.
People’s Choice Credit Union, a trading name of Australian Central Credit Union Ltd. ABN 11 087 651 125 Australian Financial Services Licence 244310, acts under its own Australian Financial Service Licence and under an agreement with the insurer Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 trading as CGU Insurance.