Buying Cars: How Do They Do It?

By Angela Monroe - March 16, 2021

Buying Cars How Do They Do It

Have you ever wondered how to buy the cars you want?

You don’t have to be on the road long in Australia to see some pretty nice cars.

Teslas, LandCruisers, Land Rover Discoveries, the list goes on.

We asked some past and present clients to find out how to buy cars as they did.

Dave 37, Broken Hill, NSW

2020 Mazda CX-9 Sport TC

(Mazda CX-9. Source:

What car and when?

“I bought a 2020 Mazda CX-9 Sport TC. I’d wanted one for a while and bought it in January, this year [2021]”.

How and why did you buy it?

“So, I traded in my old Mitsubishi ASX and financed the remaining amount. I was able to get approved because my credit history was good. I didn’t have any overdue bills or other loans at the time I applied so that made a difference”.

Dave continues, “I need to drive long distances for work and to see my kids. They live with the ex [wife]. The CX-9 is awesome, it’s nice and comfortable on highways and the kids are safe in it. Also, my mate has one and he recommended it”.

What do you do?

“I work as a Sales Support Officer for a real estate company. We deal with farms and commercial property. I organise inspections and tests and checks of facilities and stuff like that. It involves a lot of driving.”

Any comments on how to buy cars?

“Don’t apply for finance just to see the rates or how much you can borrow, I heard it can lower your credit score”.

Joyce 29, Melbourne, VIC

2017 VW Golf

What car and when?

“It’s a 2017 VW Golf, a TSI petrol one. I bought it in December 2020”.

How and why did you buy it?

“I saved up mainly. Well, about half of [the cost of] the Golf and I took a loan out for the other half. I don’t have very good credit but I got approved because I had a big deposit.”

“Why did I buy a Golf? Hmm, well I really like the look of them and the size is perfect for me. Also, I did my research and found that they are reliable and comfortable and have good fuel economy, basically, it ticked all the boxes. I was taking busses and getting lifts to work before, so I needed a car”. Explains Joyce.

What do you do?

“I’m in administration in education. I take care of all the paperwork and data entry for new and existing students and organising resources for different subjects”.

Any comments on how to buy cars?

“I think saving up was a good idea for me, that’s what got my loan over the line”.

Justine 21, Mount Barker, SA

2016 Suzuki Swift

What car and when?

“2016 Suzuki Swift in August last year [2020]”.

How and why did you buy it?

“My mum helped me. She went as co-signer on the loan. We’d had a look around at cars and decided on the Swift because mum has one herself so I know it’s a good car”.

She adds, “I just needed something to get me to uni and work that’s easy to park and doesn’t use much petrol so the Swift was an easy choice. I have to drive down the freeway every day too”.

What do you do?

“Like I said, I’m at uni [in Adelaide] so I’m a student but I also work part-time in hospitality”.

Any comments on how to buy cars?

“I found it can be tough to get approved if you’re young and haven’t had finance before, so, using your parents or someone like that as a co-signer should help”.

Stephen 33, Queanbeyan, NSW

2016 Toyota HiLux SR5

(Toyota Hilux SR5. Source:

What car and when?

“I bought a 2016 Toyota HiLux SR5 a couple of weeks ago”.

How and why did you buy it?

“I just applied for finance and got it basically. Before this HiLux, I had a 2012 one which was also on finance. I sold that one and paid out the remaining part of that loan. Then I just financed the new one”. Says Stephen.

“Oh, I hadn’t missed any payments on the old loan so that made my profile strong”. He adds.

“I reckon most parts of rural Australia are Toyota country, it’s easy to get them serviced and have parts in. Also, I need the tray for work gear. I had the 2012 HiLux before and loved it”.

What do you do?

“I’m a sparky [electrician]. We do a lot of new premises so getting gear out to the site is important”.

Any comments on how to buy cars?

“I have a mate who tried to finance a VY SS Commodore and he struggled so I think newer cars that are easy to sell like the HiLux are a good start”.

***Note that some names and details have been changed/omitted at the client’s request. Additionally, the vehicles pictured are not clients’ actual vehicles.

Get into your next car

Buying a new car can be a happy and exciting experience, and it should be. Getting the best deals is just as important as finding the right vehicle for you.

Make sure to do your research and think carefully about your financial situation. The team at Loans For People With Bad Credit are happy to talk you through options should you need them.

Angela Monroe
Angela Monroe is the Community Manager at The Positive Group, specialising in giving people the information that they need when they need it, and putting you on the path to a fair financial future. She has 8 years of experience in helping Australians find the right finance solutions, and regularly contributes articles to empower Australians with the knowledge they need to become financially healthy.


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