Download our app for an even better mobile banking experience
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.
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.
Terms, conditions, fees, charges, lending criteria and exclusions apply and are available on 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 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.