Quote Originally Posted by tigger73 View Post
The only way to compare finance is to look at the monthly/fortnightly repayments over the same period.

It doesn't hurt to get a quote. I've found the dealer finance is often pretty competitive.
Great advice. I am a mortgage broker so know a bit about this area don't worry much about the rate 4% or 4.5% doesn't make much difference with a small car loan mostly few dollars a month. The fees are what counts and could end up $500/$1000 etc so look at application fee, any dealer fees and setup fees these can be all waived. As for warranty and insurance, back at my BMW finance days there was 100% markup so $2000 extended warranty really only is $1000. Too much room to negotiate!