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Upfront Cost & Pricing
- Private: Typically cheaper with no dealer markups or overheads. Price negotiation is often more flexible.
- Dealer: Higher sticker price, but often offset by financing deals or extras.
Financing Options
- Dealer Financing: Convenient and sometimes promotional or manufacturer-backed. But be cautious as dealers often apply markups on the lender’s base rate.
- Private Sale Finance: Available but typically more limited. Lenders may require extra documentation or vehicle checks. Hanna Lending Services, with access to 30+ lenders in Perth, can secure both secured and unsecured loans suitable for either private or dealer purchases.
Risk & Protection
- Dealer: Often includes warranties, reconditioning, and customer protection.
- Private: Sold “as-is,” with minimal post-purchase recourse. Always perform a vehicle history check.
Loan Flexibility & Terms
- Through dealer: May include balloon payments or PCP options, but be mindful of add-ons.
- Through broker: Tailored secured or unsecured loans, early repayment options, and streamlined paperwork.
Which Option Suits You?
Whether you choose to buy privately or through a dealership, understanding the financial implications is key. Comparing loan options, protections, and flexibility can make a big difference in your overall car-buying experience in Perth. Contact our team today to learn more.
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