Buying & finance process
A new model is coming. Should you wait or buy now?
26 September 2026 · 5 min read
There's always something new on the way, whether it's a next-generation SUV, a new hybrid or plug-in hybrid, or a fresh wave of electric cars and utes. If you're in the market, it's natural to wonder whether you should hold off for the new model or buy what's available now. There's no universal answer, but a few questions make the decision much easier.
How badly do you need the car?
If your current car is unreliable, costing you money in repairs, or you need a vehicle for work now, waiting has a real cost. If your current car is fine and you're simply keen on the latest model, you have the luxury of time.
Launch dates and specs can change
Announced arrival dates, prices and Australian specifications often shift, and early stock can be limited. Base your plans on confirmed information from the manufacturer or an Australian dealer, not on overseas previews or rumours. Overseas reviews can be useful, but the version sold here may differ.
The case for buying now
Buying the outgoing model can make sense because:
- Run-out and end-of-financial-year deals can offer genuine savings
- Proven models have a track record, owner reviews and known running costs
- Stock is available now, rather than on a waiting list
The case for waiting
Waiting can make sense when:
- The new model brings something you genuinely need, such as better safety features, more towing capacity, a hybrid or electric option or more space
- Your current car is reliable and not costing you much
- You'd like to see Australian reviews and pricing before committing
New technology: check it suits Australian driving
If you're looking at an EV or plug-in hybrid, think about your real driving: daily distances, access to home or work charging, towing and regional trips. Check claimed range figures against independent reviews, and compare the total cost of ownership, not only fuel savings.
Plan the finance either way
Whichever way you go, knowing your borrowing position ahead of time helps. A pre-approval tells you your budget, lets you act quickly on a run-out deal, and means you're ready when a new model lands. Keep in mind that approvals are valid for a limited time and are subject to the vehicle you choose.
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 availability, pricing and specifications are set by manufacturers and can change, so check current details with the manufacturer or dealer. All finance is subject to lender assessment and approval.
The Finsterl view
Whether you buy this month or wait for the new model, having your finance sorted means you can move when the timing's right. 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.
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