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There’s a luxurious feeling driving a new car. That pristine perfectness as you drive through the city streets or ride the winding hills on the open road. It’s one of life's great joys. We’re here to help you make that perfect choice so you can enjoy your new car for many years to come.

Identify your needs

Think about what you’ll be using your car for. Will you be driving in bursts around the city or stretching its legs on the open road? Do you need room for a car-seat or to carry tools? Think about the style of car that’ll best suit your needs as a family.

Research

There’s so many websites that can help you find facts and stats on different types of cars. Check out the car safety, fuel efficiency, additional extras, practicality, size and cost. We’ve got professional car reviews which outline all the pros and cons of different makes and models so you can make a decision easier.

Budget

Look at your finances, or speak with a lending specialist, to determine your budget. When you’re deciding on a budget consider the ongoing car costs too. If you’re looking at financing your car, research what dealerships and banks are offering before you arrive. Check out our online car loan calculator to see what your car loan repayments will be.

Need a car loan? Do some research and find the right loan that’ll help you pay your car off sooner.

Inspection 

This is where the fun starts! Visit dealerships and test out the cars you like. Try all the buttons and knobs and check the car ticks all the right boxes.

Compare dealers

There’s a lot of competition out there so have a look and see if you can get a better deal. Car dealers can offer extra money for trade-ins, throw in additional extras, or offer cheaper finance. Banks can bundle loans together to help you save on other areas.

Negotiate

There’s often a little leeway in the price so use your best negotiating skills and come to a price you and the dealer agree on. You may be able to save more than you think just by asking!

Drive and enjoy

Congratulations! Your new car is all yours! It’s a good idea to keep your car manual in your glovebox and remember to have your car serviced to keep it running smoothly. 

 New car

We’ve got advice on budgeting so you can pay what’s due easier and with less stress. Try out our budget planner or speak to one of our consultants who can help you with an individual plan. We’re available 24/7 over the phone.

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The information in this article has been prepared for general information purposes only and not as specific advice to any particular person. Any advice contained in the document is general advice and does not take into account any person’s particular investment objectives, financial situation or needs. Before acting on anything based on this advice you should consider its appropriateness to you, having regard to your objectives, financial situations and needs. You should obtain and consider the Product Disclosure Statement or terms and conditions relating to the products mentioned, before deciding whether to acquire any products.

RACQ Bank loans and banking products are issued by Members Banking Group Limited ABN 83 087 651 054 AFSL and Australian credit licence 241195 trading as RACQ Bank.

Retail partners, offers and discounts may change at any time without notice. Get the RACQ Discounts App or visit racq.com/discounts for the conditions, limits and exclusions for each offer.