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The excitement of getting a new car can often lead us to make rash decisions when deciding on the various options for car finance. We’ve put together a list of helpful tips to help you optimize your finance deal. Choose your car carefully: The biggest decision to influence what you pay each month is the type of car you will be driving! Used cars are often a much more affordable option as the previous owner has taken the hit on depreciation over the first couple of years. The cheaper the car, the less finance required and in turn the less the monthly premiums. Put down a bigger deposit: With interest rates rising putting a good deposit down on your car will make a big difference to your monthly payment. The larger the intial deposit on your car, the lower the monthly premiums will be. Pay as much as you can afford on monthly: Car finance can be organized for anything from 12 months to 5 years. The lower the peri

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