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Nikki Yazxhi


To help you out, we’ve put together everything you need to know to get you into your dream car and on the road, fast – and without a fuss!

1. Work out your budget

First off, you need to work out how much you can realistically afford to spend each month on a car repayment without blowing your budget. Make sure you consider things such as living expenses, bills, food and the occasional coffee (!). Once you have that figured out, head to the genius {and so easy to use} NRMA car loan calculator to find out what you can afford to spend and what your repayments might be. Don’t forget to factor in insurance and maintenance costs. These won’t be included in your monthly repayments; you’ll have to come up with those funds too.

2. Apply for a car loan

It’s a good idea to have your finance lined up before looking for a car. It puts you in a better bargaining position because you know exactly how much money you have to play with – especially if you’re buying from a private seller.

So, unless you have a huge amount of money saved, you’ll need a car loan to finance your dream set of wheels. A car loan works like a personal loan, the only difference is that it can only be used for the purchase of a car, which is then held as security.

NRMA can help you finance your dream car quickly and easily – and their friendly customer service team can walk you through any questions you have to help make your loan application process as smooth and stress free as possible.

NRMA also has car loans for used cars, so if your dream car is pre-loved, you’re totally sorted.

3. Shop for your dream car

Now you’ve secured your loan it’s time for the fun part – shopping for your dream car. Here are some of my pre-loved super-stylish dream cars to give you some inspiration…

4: Start paying your car loan

After you’ve found your perfect car and the sale is finalised, you will get information about the payment schedule for your loan. It’s a good idea to sign up for the online service so you can make payments and check your balance, anytime, anywhere.

5. Happy {safe} driving

This article is in collaboration with NRMA.
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{*bellaMUMMA only collaborates with brands and products she would recommend to her friends!}


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