Finding a car loan can sometimes be overwhelming! With Gardner Cars, finding a car loan is quick, fast and easy! We have multiple different finance providers who we work with to ensure that we are providing you with the best possible finance rate and finance option to suit your needs. To apply, simply fill out the form above and that will start your finance journey.

Car finance interest rates are very similar to finance you will get with a home loan. Additionally, there are two different types of car loan interest rates: fixed and variable. Here's how they work:

• Fixed Interest: A fixed rate loan has the same interest rate for the entirety of the borrowing period, allowing you to get a clear view of what your repayments could look like.
• Variable Interest: This means that the interest rate for your car loan could either increase or decrease at your lender's discretion, and therefore increase or decrease your interest repayments accordingly.

A "balloon payment" is a once-off lump sum that is paid at the end of a car loan, covering off the outstanding balance.

This allows you to repay only part of the principal of your loan over its term, reducing your monthly repayments in exchange for owing the lender a lump sum at the end of the loan term.

Yes absolutely! You can choose from our huge range of new or used cars!

We have a huge range including Alfa Romeo, Audi, Ford, GWM HAVAL, Holden, Hyundai, Isuzu, Land Rover, LDV, Lexus, Mazda, Mercedes-Benz, MG, Mitsubishi, Nissan, Porsche, RAM, Subaru, Tesla, Toyota, and Volkswagen.