Buying & finance process
Choosing a car that offers real value, not just a good price
26 September 2026 · 5 min read
With so many brands and models on sale in Australia, choosing a car can feel overwhelming. The advertised price is only the starting point. Real value comes down to what the car costs you over the years you own it, and whether it suits the way you actually drive.
Think in cost of ownership, not purchase price
Two cars with similar price tags can cost very different amounts to own. When you compare, look at:
- Fuel or electricity use for your kind of driving
- Servicing costs and intervals
- Insurance, which can vary widely between models
- Tyres and other wear items
- Depreciation, or how much value the car is likely to lose
- Registration
Use independent expert help
You don't have to work it all out alone. Motoring organisations and publications run awards and value comparisons each year, and some focus specifically on running costs. Independent reviews and road tests show the strengths and weak spots of each model, and ANCAP safety ratings help you compare how well vehicles protect occupants.
When you use an award or ranking, check how it was judged: which models were included, which variants were tested and what criteria were used. A 'best value' result for a base model may not apply to the higher-spec version you're looking at.
Popular isn't always right for you
Monthly new vehicle sales figures show what other Australians are buying, which can be a useful sense check. But the best-selling model is only the right choice if it fits your needs, your budget and the way you drive.
Sales events and 'drive-away' pricing
End-of-financial-year and run-out sales can offer genuine savings. Make sure you're comparing drive-away prices, which include on-road costs, rather than 'from' prices that may exclude them.
Factor in the cost of finance
If you're financing, the loan is part of the cost of ownership. A cheaper car on an expensive loan can end up costing more than a slightly dearer car on a better one. Look at the total interest and fees, not just the repayment, and be careful with promotional dealer rates that may apply only for a short period or come with conditions.
Having finance approved before you shop also means you know your real budget and can move quickly when you find the right car.
General information only
This article is general information only. It does not take your personal circumstances into account and is not personal credit, legal, tax or financial advice. Vehicle awards, running costs and prices change over time, so check current information from the relevant organisation or manufacturer. All finance is subject to lender assessment and approval.
The Finsterl view
The best car deal is the right vehicle on the right finance. If you're shortlisting cars and want to know what the finance would really cost on each, call the Finsterl Finance team on 1300 508 827 or send us an enquiry. All finance is subject to lender assessment, eligibility criteria, terms and conditions.
Related finance
All finance is subject to lender assessment, eligibility criteria, terms and conditions. Rates and fees depend on individual circumstances.
Run the numbers
Estimate your repayments
Estimates only, but a good place to start a real conversation.
A balloon lowers the monthly repayment but increases total interest paid.
Estimated monthly repayment
$933.91
$215.68 per week equivalent
Amount financed
$45,000
Balloon at end of term
$0
Total of repayments (incl. balloon)
$56,034
Excludes lender and broker fees, which vary by lender and product.
This calculator provides estimates only and does not constitute financial advice, a finance approval or a guarantee of business performance. Actual repayments, costs and business outcomes may differ.
Want this applied to your situation?
A dedicated professional will walk you through the options that actually fit.