Unsure why you’re seeing car loan rates advertised at 3.85% but you can’t seem to get an offer better than 9.0%? It’s all because of something called ‘risk-based’ quoting. Sponsored article Ever since the Financial Services Royal Commission was established in 2017, the lending industry has changed the way they

Practical Motoring investigate how to buy a car on finance, do you buy outright; take out a bank loan, novated lease, or a balloon payment lease?

We’ve all heard of buying a TV or fridge and not having to pay a cent until next year, but Hyundai has taken it a step further this month with a no-deposit-no-payment-until-2015 deal on any new Hyundai. The question is, do the figures stack up, and is there a catch? Tony Bosworth investigates.