Frequently Asked Questions
Q. Who is Astute Financial?
Astute Financial (formerly Cairns Car Loans) is a private company that has been set up to arrange car finance for prospective clientsl as well as commercial and consumer funding. Astute Financial has access to a number of funders. We tailor the lenders products to the customer’s needs, a practice which most traditional lenders offer in reverse.
Q. What locations does Astute Financial cover?
Astute Financial can cater to clients Australia wide and Overseas. We have provided funding Australia wide.
Q. What does Astute Financial do?
Astute Financial is a Finance Broker. Our purpose is to arrange funds at the best rates that suit the customers' needs, rather than the lenders.
Q. How does Astute Financial work?
We specialise in assessing your individual needs and matching them to lending options available. This includes reviewing all the terms, conditions and fees. The guiding principle revolves around understanding your needs as a borrower. Our experience and ability to put the bank jargon into laymen’s terms will assist you in making an educated and informed opinion.
Q. Can Astute Financial deal with the bank I already bank with?
Yes. Rather than making an appointment to go into your bank, Astute Financial can come to you thus saving time and have an answer usually no later than 48 hours, even if it is your own bank.
Q. Is there a choice with Astute Financial?
Yes. Because we deal with all the Banks, we are able to draw upon a much wider range of borrowing options than traditional lenders, giving you a wider choice of options. Our guidance will allow you to weigh up the pros and cons much easier then if you were wandering the finance minefield on your own.
Q. Can I refinance my loan with Astute Financial?
Yes. Rates are constantly changing and traditionally most car finance is Fixed. In a market where rates are falling, it may be a good idea to look at your options.
Q. What can I use Astute Financial for?
We can provide help and arrange finance for private,equipment and commercial facilities all over Australia. Refer to our Car Loans section to find your particular need, and our Equipment Finance section for more information on the types of products the banks offer. In short we become your ‘old school bank manager’ .
Q. What does a Astute Financial Consultant provide?
Our team provide excellence in personal service. We explain the process of borrowing, complete the application and have an answer within 48 hours. We will manage your loan from Day 1 (application) until settlement. We liaise as one point of reference for you, the bank and the dealer to ensure all parties are on track at all times. We can assist you with signing your loan contracts and provide contacts where you need them for vehicle suppliers, insurers, inspectors, and even valuers
Q. Want to know more?
Feel free to contact Astute Financial. Call the number below 7 days a week, we would love to help. Or simply fill in our online enquiry on this website and one of the team will contact you within 24 hours.