Dealer Quote Second Opinion
Dealer finance is quick, but the rate, the fees and any balloon are rarely compared with what other lenders would offer. Before you sign, send the dealer’s finance quote to Christian. Within one business day he will send you a written comparison of the total cost over the term, beside what the lenders he works with may offer for a loan like yours. If the dealer’s deal is competitive, he will tell you so.
Using the dealer quote second opinion
Send the dealer's finance quote, or enter the rate, fees, term, balloon and repayment.
Tell us about the vehicle or asset and how you will use it.
Christian reviews the quote against options from lenders on the AGFB panel.
Within one business day you receive a written comparison, so you can decide before you sign.
What it doesn’t include
A credit application; nothing is lodged with a lender and your credit file is not checked.
Approval of any loan; that depends on your circumstances and lender assessment.
Advice on the vehicle's price, condition or history.
Questions people ask
Is dealer finance more expensive?
Not always, but dealer quotes are rarely compared with other lenders before people sign. Rates, fees and balloons vary, so a second look shows whether the quote stacks up.
Will a second opinion affect my credit file?
No. We review the quote you send without a credit check. A credit enquiry is only made if you later decide to apply.
What should the dealer quote show?
The interest rate, comparison rate, fees, term, any balloon and the repayment. If some details are missing, send what you have and we will ask for the rest.
Do I have to use AGFB after the review?
No. The comparison is yours to use however you decide.
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General information only. It does not take your objectives, financial situation or needs into account.
WOULD YOU RATHER TALK NOW?
Sending a quote is not an application, and nothing is lodged with a lender or checked on your credit file. If you would rather talk it through, start an enquiry and Christian will reply the same business day (Monday to Saturday, 7.30 am to 7.30 pm Brisbane time). No credit check to enquire.