Reviewing the Suzuki Grand Vitara

Read The Suzuki Grand Vitara review to help you make better decision when it comes to financing a car in Australia!

The Car
Suzuki’s Grand Vitara is Suzuki’s time-worn SUV that is basic with 3 different grades. The car is without some of the advanced technology like keyless entry and powered tailgate.

It is only 4-stars ANCAP rated that offers stability and traction control as well as brake assist and electronic brake-force distribution.

The Drive
The Grand Vitara can rev well up to 6000rpm but at higher speeds, the engine starts straining. Low speeds might give you a bit of a bumpy ride with a fair bit of body roll but makes up for it off-road.

The Interior
The Grand Vitara is comfortable with ample space in front and the rear and plenty of cargo space with 398 litres which can go all the way up to 1,368 when the rear seats are down.

Overall
The Grand Vitara gives you the basics and an immense amount of space, but a bit lacking in terms of stability and handling.

Reviewing the Suzuki Grand Vitara

How Much is a Car REALLY Going to Cost you?

If you’re going to spend a lot of money on a car, you should know what you’re spending it all on!

Purchasing Costs - The advertised price plus extra features plus sellers’ and agent’s fees come under this section. This is how much it will cost to take the car out of the dealership and drive it back home!

Running Costs - To run your car, you’re going to need fuel, as well as parking and other road fees and tolls as well as servicing and repair costs to ensure that your vehicle is in good shape to be on the roads.

Protection Costs - Insuring your vehicle is mandatory for a minimum amount of coverage. But while it may be a cost, it’s something you will definitely need if you don’t want to pay through your nose if an accident happens!

Legal Costs - The government will normally charge you road taxes and fees for registration and maintenance of the road. And just in case you do get fined for speeding or illegal parking....

With all these costs adding up, why not get the best car finance rate to ensure that you save where it counts? Contact  The Smarter Finance Company today!

How Much is a Car REALLY Going to Cost you?

What to Do when Researching Car Finance Rates?

Here are some important things to look at when you are starting to look around for car financing deals

Monthly Payments
Balance making your payments and your cash flow so that you can get a god class of car and still have spending money at the end of the day! Don’t forget other costs like taxes, petrol, insurance, and maintenance!

Interest Rates and Fees
Examining how your plan is affected by interest rates and even late fees and non-payment fines can help you determine exactly how much you should take out on your loan.

Credit History
Have these documents on hand so that your application can move smoother. These will affect your loan approvals too!

Your Credit Score

• Previous and current addresses
• Employment and income history
• Declaration of (any other) income
• Declaration of any other Assets and Loans

When in doubt, head to your nearest car financial professional (like The Smarter Finance Company) for help!

What to Do when Researching Car Finance Rates?

Should you Buy a Car from a Dealership?

There are certain benefits in purchasing your new car from a dealership! Here are some:-

Quality Assurance

Most dealers are hell bent on keeping their reputation so they make sure that your vehicle is in tip top working order!

After Sales Care

Besides getting your warranties for your new car here, you can also exercise that warranty in the attached repair and workshop facilities.

Grab a Good Deal

There are always seasonal sale periods or discounts that may be given to you if you go down to the dealership at the right time of year! 

One-stop Shop

Besides your car, you can get your financing and insurance settled at the dealership too!

Do your comparisons and work out your figures. You can find out more about your options from The Smarter Finance Company!

Should you Buy a Car from a Dealership?

How much should you spend on a car

We can help you decide how much money to spend on your new car. Just take a look at the different components here:-

Down Payment

Making a cash payment upfront helps to reduce the monthly repayment amounts that you need to pay, but it should be balanced with how much you have in your bank account at that moment of course!

Monthly Payment

Examine your savings each month and how much you can comfortably put aside each month to go towards your car repayments. You can also tap on your savings or adjust your expenditure to make sure that you can fit the monthly payments in.

Extra Costs

Extra costs can affect how much you spend on your car outside of your monthly payments. Road taxes and sales taxes, registration costs, insurance, petrol and maintenance all adds up!

Don’t spend past your limits and look at your car financing plan carefully before committing. Being comfortable with the amount you pay will make your life a lot easier!

How much should you spend on a car

How to Pay less on a Car

Here’s how you can afford a car on a small budget

Refinance your loan

Make the most of lower interest rates in the car financing market so that you pay less on your monthly repayments!

Cut down on your Car expenses

Look at what you’re spending on your car like your insurance, petrol and maintenance, can you opt for a cheaper alternative so that you can save more money?

Cut down on your Other expenses

It’s a good habit to be thrifty, and starting with your own spending habits can help you put some money aside when you spend only on what you absolutely need and cut down on luxury items.

Buy a cheaper car

A cheaper car will cost less in the long run but serve the same purpose - to get you around town!

If you are still having trouble affording your car after trying out these methods, perhaps it’s time to seriously evaluate if you should sell your car off. Never put yourself into debt for the want of a car!

How to Pay less on a Car