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epyon
Consumer Assets

Is it time?

Wants are different to Needs.  But when it is time to turn the dream into reality you need to set the emotions aside and approach the purchase like a general heading into battle.
Whether it is a vehicle for the water, road, or off road if you are negotiating with a dealer, speaking to your finance broker can assist in the long run.

 

You may be in a position to purchase outright with Cash and avoid paying interest but the disadvantage is that those funds can take time to save and then you are depleting your rainy day fund.
Buying a consumer asset with finance can mean you are able to buy a newer and higher quality vehicle that you could not otherwise save for, and by managing your regular repayments you are building up your credit history.

 

Why use a broker?
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More lending options

Rates through a dealership can often be higher, have hidden fees and usually are through the one lender.
At Epyon we have access to a large range of lenders which means you have more than one option and you don’t have to go from one lender to another yourself.

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The power of Pre-Approval

Having your pre-approval in place before you start to talk numbers puts you in the best negotiating position with a dealership.  It also means you don’t have to divulge your financial position to the dealership.

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Navigate the lenders

Every lender has their own credit policies and credit requirements and navigating these can be confusing.  As lenders tighten their lending criteria, at Epyon we will work with you to determine your borrowing capacity and find which options suit your needs.

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