Author Archives: knddigital

Caring for Your Jet Ski: Everything You Need to Know

If you’re thinking of buying a jet ski, you need to know how to maintain and keep it in tip-top condition. Regular maintenance checks will help you inspect your jet ski and keep it running for as long as possible. Neglecting your maintenance schedule may reduce its efficiency, resale value or even suffer a complete breakdown and explode. Yes, they can explode if you are unlucky enough!

It’s a huge inconvenience to have a broken-down jet ski, seeing how expensive it is to buy a new one. So here are some helpful maintenance tips to keep your jet ski in near-new condition for as long as possible.

Pre-Ride Maintenance

These are some valuable tips to follow before riding your jet ski.

Read your manual

The first guideline for maintaining your jet ski is your instruction manual. If you’re a first-time jet ski owner, it is crucial for you to familiarise yourself with the manual, since it carries all the details of important components. It allows you to better understand how your jet ski works and how to troubleshoot simple problems. Sounds pretty obvious, right?

Engine checks

Check your engine for gas vapours before starting your jet ski. The most common cause of jet ski explosions is gas vapours in the engine or gas leaks in the fuel tank and lines. One spark from the battery terminals or a faulty starter could easily blow up your jet ski.

Battery checks

Imagine the frustration of towing your jet ski to the water, then it doesn’t start. You can avoid this by checking to confirm your battery has enough charge, and your jet ski should start right up in your garage. Some jet skis can keep the engine running safely even without water, but confirm if yours can do this by consulting your manual.

Post-ride maintenance

After enjoying a fun-filled day on the water, here are some important points to help you keep your jet ski working for your next ride.

Flush your engine

You need to flush your jet ski engine after every ride, regardless of whether you ride in fresh or saltwater. Flushing your machine removes weeds, algae, loose dirt, shells, and all other foreign objects in the engine. Most modern jet skis are equipped with a connector to allow you to easily flush your engine. All you need to do is connect your water hose to the connector, turn on your engine, then turn the water on. Keep the water running for approximately 3 minutes, then turn the water off and keep the engine running for a few seconds. Remember to empty the exhaust of any excess water. Flushing your engine prevents damage and corrosion.

Saltwater maintenance

Saltwater is corrosive to fibreglass, which is the primary material used in modern jet skis. After flushing your engine, it’s important to wash the exterior with soap and water to remove any excess salt. Set your water hose pressure to low to avoid damaging the body with excessive water pressure. Warm water and a sponge are useful in removing salt residues on your jet ski.

Jet ski cover

Jet ski covers are a clever purchase if you want to keep your vehicle clean and dry between adventures. It can also let you keep it away from the sun if you don’t keep it in your garage all day.

Regular inspections

It is wise for you to keep checking your jet ski and making sure it’s running effectively, even when you don’t plan on riding for a while. Check for mechanical wear and consult a professional to fix and service your vehicle.

Jet ski financing

You can buy a new one or a pre-owned one. However, you’ll need to finance your purchase. The type of jet ski loan can make or break the transaction. Ezilend can help you find a jet ski loan plan with the best rates and pre-approval. Visit our site for more information.

For more tips on Jet Ski Safety, see our post: Tips to keep you safe on your new Jet Ski.

5 Factors to Consider Before Updating Your Business Equipment

When your business equipment breaks down or becomes outdated, your work will not flow as usual. In this case, you will need to buy new equipment or upgrade to continue enjoying your operations effectively. Here are crucial factors you should put at the back of your mind to help you get the right equipment to meet your needs and expectations.

Determine Your Business Equipment Needs

You need to understand your business needs before going for an equipment loan. It is best to discuss with your employees and develop a clear plan about the required equipment and why you need it.

Ensure you purchase devices that support your operating system for quick integration and increased productivity. You do not want to waste your money on equipment that does not help you achieve your goals. This is why you need to analyse your business needs carefully before heading to the supplier.

Also, decide whether you need new or refurbished devices. The most important thing is to go for equipment that will not give you a hard time operating.

Equipment Cost

Budgeting for your equipment is a crucial factor to consider before you head to the supplier. Of course, the cost will vary depending on the type of equipment and the supplier. In this case, it is best to analyse your budget needs and compare them with the kind of equipment you need.

It is worth noting that updating equipment can cost you a lot of money. But the good thing is that you will get value for your money in the long run.

Fortunately, you can get any equipment you need even if you do not have the cash. You can approach a lender that offers equipment loans. This will help you acquire your equipment within the shortest time possible.

Have the Right Team

It can be frustrating to purchase equipment that you do not know how to operate. The best way to avoid challenges is by ensuring you have the right team on the ground. The team should be tech-savvy with in-depth skills to manage different types of equipment based on your business needs. This will potentially improve performance and enable you to achieve your goals.

You may want to consider a pilot test where each employee learns how to use the equipment and be sure that everyone is comfortable before proceeding.

Choose the Right Supplier

With multiple equipment suppliers in Australia, it’d be best to take time and research the different suppliers. There are many reputable and credible suppliers, but you may never know where to start until you check your options and choose the best fit.

A good supplier should have professional customer care and be ready to provide long-term support. This will give you peace of mind since you can always get back to the supplier if you encounter issues with the equipment.

Work With a Equipment Finance Broker

When planning to acquire a loan for your equipment, it is best to know how equipment loans work. You can work with a finance broker for help from a consultant such as EziLend to guide you through the process and advise you on the best loans available to you in the market.

Our finance brokers have an extensive network of lenders in various areas within Australia and can help you get a loan at the best possible interest rates for your circumstances.

Achieve Your Goals with Equipment Loan

Updating your equipment can be the best way to increase productivity and make the lives of your employees easier. Using the information above can help you make the right decisions and achieve your goals seamlessly.

For an idea of how much you can borrow and what the repayments would look like, use our quick online calculator. Contact our brokers on 1300 850 447 to discuss your equipment finance needs.

Car Loan Guide

Car Loan Guide: What you need to know about interest rates, the choices available to you, and the costs.

Car loans are a great way to pay for your next car. But it can be hard to know what you’re getting into. If you want a smart and affordable loan, then we have the perfect guide for you! We’ll take you through everything – from rates and costs to how to choose the car that’s right for you. At Ezilend, we like to make lending an easy experience with a personal service attached. We like to see you in the driver’s seat, and will support you through our 25 years of lending experience.

Car loans with Ezilend come with specialised Loan Consultants backed by an extensive network of lenders. Our services are available Australia-wide, through a network of local branches. Our team make sure our service is as personal as possible. With 25 years of experience in finance and lending, our team has helped thousands of Australians buy their new cars every year without any hassle at all!

Our service is backed by hundreds of 5-Star testimonials from over 900 Australians who describe our service as “impeccable,” “professional” and “very easy for me to understand.” In the majority of cases we get to settle car loan applications very quickly and our customers are “extremely happy” and have told us though our TrustPilot reviews they would “Very Highly Recommend” us.

What interest rates can I expect with a new vs. used car loan?

With Ezilend car loans, you can expect the best possible interest rates based on your purchase and your credit score, whether you are buying a new or used car. Buying a second-hand vehicle does have an extra level of risk associated with it. There are occasions where specific lenders will apply a higher interest rate for those who opt to buy second-hand over a brand-new car. The benefit of using a finance broker to secure the loan is that we examine all the possible loan solutions available. We help you determine the best possible loan for your needs.

The best way to determine your interest rate is by contacting one of our specialist loan consultants. They will help you choose the best possible rates and terms available to you and pre-approve the correct amount based on your needs for both new and used cars!

What costs should I expect?

Car loans are a great way to pay for your next car, and it can be hard to know what you’re getting into. This is where this guide comes in! We’ll take you through everything – from interest rates and costs to choosing the right car for you, whether it’s new or used.

Ezilend Loan Consultants will make sure that we provide personalised representation with 25 years of experience in finance and lending under our belt. We’ve helped thousands of Australians buy their new cars every year without any hassle at all!

The costs you can expect will involve registration, insurance, and on-road expenses. Some of these costs will already be built into the purchase price of the car. In other cases, they may be added fees.

With new loans, the associated costs and/or loan application fees will vary from lender to lender. This is where the experience of a broker comes into play. Looking at the headline interest rate alone will not tell you the whole story. You need to consider the interest rates, application fees, annual fees and any early repayment charges that may affect each loan. The repayment terms’ flexibility can also factor into the equation and affect the overall suitability of that lender to your needs. As an example, what might look like a higher interest rate loan may be the best possible option in some instances because that loan is free of any other expenses.

Weeding through the fine print, terms, and conditions is where Ezilend has your back. We understand the finance terminology and can help determine the overall cost of the loan for you. We can see through the flashy bright interest rates with little stars beside them and decipher the real story for you. Getting you the best possible rates and terms is what we are all about.

The Pros and Cons of Buying Second-Hand Vehicles in Australia

People buy second-hand vehicles for a variety of reasons. However, the most common reason is usually to save money. This may relate to either the loan size required for a new car or the fact they prefer not to drive away in a car that will immediately depreciate. But let’s have a look at the pros and cons for second-hand car purchases.

The cons of buying second-hand:

With second-hand cars, you do not know what it is you are buying. Therefore, you are reliant on the honesty and integrity of the seller. This is not to say that those selling second-hand cars are dishonest, but you need to ask the right questions to truly understand the cars’ history. You can take the time to consult with the available services in your state to investigate the car’s history. You can also invest in inspections by either your local motoring agency or mechanic to give you an idea of the car’s reliability.

It may be worth investing in major mechanical and safety upgrades with second-hand vehicles before driving off with your deal. In most cases, you will benefit from comprehensive warranties that come with the upgrades. But many people turn their nose up at this thought, and the added costs can make this option not financially viable.

Some leases may require you to buy the vehicle at the end of the lease (so it is good to know about this beforehand). And finally and without fail – if you don’t know much about cars, it can be challenging to see if you’re getting a good deal or not.

The pros of buying second-hand:

Prices of buying second-hand are usually significantly lower than for new cars – and many people will only buy second-hand for this reason alone! There is also the fact that some warranties can still cover your vehicle despite it being pre-owned (again, ask about this before you agree to anything). And finally, for those who don’t know much about cars: the price will usually reflect the quality.

Ezilend’s advice? If you are on a tight budget and only plan to use your car infrequently, buying second-hand may be worth considering as it can save you up to 30% if not more! If instead you have your heart set on a new car, check out our article on Buying A New Car and make sure you are prepared to negotiate to get yourself the best possible deal.

The Best Types of Cars for Families

When considering the best types of cars for families, it’s important to remember that each person in your family has different needs, so consider these things. The age of your children will also factor heavily into the choice you make. Fitting baby capsules and car seats into the back of your vehicle will require the appropriate anchor points. The position of airbags and other safety features also play a role when you have a newborn baby. You can get advice from your local ambulance station on cars that best accommodate baby seats and capsules. They also provide a safety fitting service to give you complete peace of mind that your young children are correctly seated in the vehicle.

As your family grows, activities such as school drop-off and pickups, carpooling and sporting activities will mean kids need a vehicle with lots of room. Larger families need room for more grocery and storage space for family holidays. If you intend to tow a camper or boat, your car choice will need to factor these ideas into the final decision as well.

The Best Types of Cars for Young People

Starting out with teens who have just got their licence, they will need a safe, reliable, and fuel-efficient vehicle. A car that is not too expensive to insure or run will be the best option – unless Mum or Dad intends to foot the bills. Teens have limited budgets to work with as they embark on life’s journey but still require something reliable. They need to be able to get to and from work, university, or TAFE. With limited income, their car service and repair costs need to be inexpensive. They benefit from youth, and that family are more likely to help when they get stuck. Still, reliability and driver safety are the number one factors for teen cars.

Young couples without children may only require a small vehicle for local outings, stocking up on groceries – or day trips to the beach. However, daily running costs and reliability are vital as young people are most likely saving up for their own homes. Therefore, cars that are inexpensive to service and repair, with parts available locally without long wait times, are the best choices for this age group.

The Best Types of Cars for Retirees

If you are a retired couple, your car probably does not need to accommodate the additional space that a large family needs. Instead, the two of you may prefer a smaller vehicle to suit your daily outings. Or you may be adventurous travellers, towing your caravan across the country as “grey-nomads.” So the decisions about which vehicles may be suitable for you really depend on how you like to spend your spare time. Holidaying and accessing local facilities to suit your lifestyle are the key considerations for you.

Other Key Considerations

Safe Cars

People who travel long distances often need reliable vehicles with safety features (such as ABS, Electronic Stability Control and Airbags). It’s also important to consider if the distance you cover is within metropolitan areas or on highways with fewer opportunities for help.

Long Term Car Maintenance Plans

These come in two flavours. An extended warranty option (which usually covers any major mechanical issues) or a pre-purchase inspection service offering a comprehensive assessment.

Either option will provide peace of mind for the purchaser, but they don’t often come free. When working with dealerships, these are sweeteners that they may offer to get you over the line. So these types of “incentives” are worth looking for as long as they do not overly inflate the car’s purchase price.

Roadside Assistance Schemes & Insurance

Regardless of the distance you travel, road-side assistance and insurance are other considerations you should be aware of when it comes to owning a car. With some insurers, road-side assistance is provided within your policy. As with all expenses related to your vehicle, it makes sense to shop around and get the best possible deal to suit your needs.

How do I buy safely from private dealers?

The best way to buy a car from private dealers is with some help. It does not matter if you enlist the assistance of an experienced and expert loan consultant who will ensure that you are dealing with a reputable business. Or you take your best friend, father or partner with you for that sense of reassurance. The most important thing is to do your research and stick to your budget.

There are many ways to find out about the history of a vehicle. From government rego services to having the car inspected by a mechanic, you can also test drive it in different conditions to see how it handles for you. If you need help negotiating the price, again, get some help. In some cases, loan consultants can do all the negotiating on your behalf and won’t accept offers if they know it will lead to a bad deal for you. Instead, they’ll give advice on what type of vehicle would suit you best, whether it be new or used, second-hand or leasing, before making sure there are no hidden costs involved before doing anything else.

Are you looking for a way to finance your used or new car purchase?

Ezilend is Australia’s premier provider of car loans, and we are backed by an extensive network of lenders. One call to our professional team will set you up with an Ezilend Loan Consultant who will do all the hard work for you!

Find the best possible loan rates and terms with the help of Ezilend. We can provide advice on what type of loan would suit your needs, ensuring no hidden costs are involved. There’s nothing better than some peace of mind when it comes to buying a car. So why deal with the hassle?

Contact us today: 1300 850 447 or visit our website HERE for your car loan pre-approval.

Four Easy Tips To Prepare For A Boat Loan!

Have you always dreamed of buying a boat but thought the process was just too complicated to get one? Owning a boat can be both fun and rewarding! It can also provide many benefits for both you and your family! At Ezilend, we want to help you make your dream a reality. So today, we are going to share with you four tips on getting a boat loan that is both affordable and simple.

Have Your Information Ready

One of the first steps in pursuing a boat loan is to have all your information upfront and ready to go. Doing so can help make the loan process go faster and shows that you are serious about purchasing a boat. The following is a general list of the information that may be needed when buying a boat: Your

  • Name, Address; Phone Number
  • Employment Details
  • Income Information
  • Property Ownership
  • Monthly Expenses.

Details about the boat you are looking to purchase are also helpful to know ahead of time and can increase your chances of being approved for a loan.

Check Your Credit Score

Knowing your credit score can give you a good idea of how much a lender may be willing to approve. If your credit score is a little lower than excellent, do not fear. You can still get approved for a loan; it may just have a higher interest rate. It depends on the loan company and their policies. Ezilend’s experienced team can help figure out the best options for your personal situation.

Plan For Additional Expenses

When preparing to buy a boat, there are a few things you may want to consider ahead of the purchase to avoid unexpected expenses. When maintaining a boat, there are a few things to help the operation run smoothly. The following is a list of things you may want to add to your monthly budget:

  • Boating Insurance
  • Maintenance and Repairs
  • Operating Expenses (such as fuel and motor oil)
  • Storage and/or Dry Docking.

Know Your Budget

Having a budget in mind is another key step in preparing for a boat loan. Once you have your personal information, credit score, and other expense details ready, you can use this information to form your budget. This will help you see how much you can pay per month, as well as what type of down payment you can pay upfront. And sticking to your budget can help eliminate confusion and/or frustration in the long run!

You can start to work out the estimated weekly, fortnightly, or monthly repayments on your loan by using our handy online boat loan calculator. Simply choose the borrowing amount, the duration of the loan period, and the interest rate. Then, if you think the loan is affordable for you, click the start pre-approval button and fast-track your application today!

Work With A Finance Company You Can Trust!

Getting the right loan for your boating needs may seem complicated. You want an experienced loan company that will help you find the best loan at the best price. At Ezilend, we work to make sure you get the right loan that is right for you! With over twenty-five years of experience, our team specialises in getting marine financing loans that work for you! We walk with you in each step of the process. To learn more about how we can help you, contact us! We’re here to help make your dreams become a reality!

Why Should I Finance a Used Motorbike?

Buying a brand-new motorbike is a big step, especially if you’re a first-timer. Financing a pre-owned vehicle might be the better option. Here are a few things to consider when asking yourself why should I finance a used motorbike.

Tips for Purchasing a Used Motorbike

Take time to prepare by putting in your due diligence. The steps you should follow are:

1. Check your credit

See where your creditworthiness stands. By knowing what your credit history looks like and getting pre-approval you will know the maximum amount you can borrow, what the repayments will be and the applicable interest rates – if your credit rating is good you will qualify for better loan conditions.

2. Calculate your budget

Review your income and establish how much you can realistically turn over to a loan every month. Take into account registration, insurance, and potential maintenance expenses as part of your budget analysis.

3. Check out pricing

Compare prices to get an idea of the bike you can afford versus your idea of a dream ride.

4. Test drive

You have to test drive as many models as you can stand. Drive on various road conditions where-ever possible. This is a crucial step for the first-timer.

5. Get the bike checked

Never buy a bike on seller boasting. Get your own inspection performed. You never know what a life saver this process can be!

6. Get accident and maintenance records

Having the history of the motorbike will provide insight into what to expect from the vehicle. You need these records even if you have to pay for them.

7. Negotiate

Approaching a lender, be ready to talk about the best loan terms and purchase price. Get a solid upfront deal to make loan repayments affordable.

Financing: Pros & Cons

If you aren’t in a position to pay for a motorbike up front, you don’t have to put off your dream. Financing is a great way to get out on the road sooner. But this option may not be for everyone. Here is some information for deciding if financing is right for you.

Pros

  • Pre-owned motorbikes will depreciate slower than a brand-new ride. New vehicles loose value as soon as they are driven off the lot and the depreciation drops rapidly over the first few years. The owner of a new vehicle ends up paying more for the loan than the vehicle ends up being worth.
  • Despite the previous point, motorcycles still retain greater value than other vehicles. A rare or well-maintained vehicle can go up value.
  • Your motorbike financing gives you access to transportation. If you don’t have time to save and need to secure transport for, say, commuting to work, financing is the way to achieve your goal. It allows you to get a bike now and pay back over some time.
  • Having a loan and repaying it responsibly builds your credit. A positive payment history turns into a respected credit profile, boosting your creditworthiness and makes you eligible for better credit opportunities.

Cons

  • Carefully examine financing terms. Interest and fees can be costly.
  • In some circumstances, Annual Percentage Rates may be higher for pre-owned than new motorbikes.
  • If you have difficulty repaying the loan, you hurt your credit or risk losing the bike, particularly if you do not contact your lender and discuss your options, openly and honestly.

Conclusion

Be practical. Financing a pre-owned motorbike shouldn’t put you in unnecessary debt, especially if this is your first ride. Temptation is always going to lead you to that shiny beauty, but you want to keep the purchase smart. Follow the tips here, find a solid lender, and you’ll do just that.

Caravan with 4wd - Loans from Ezilend - Easy finance

It makes sense to finance your new caravan with a finance broker

Are you an adventure enthusiast, or have you been postponing that eager family road trip from year to year? It is very frustrating when such limitations are caused by the fact you just don’t own a quality caravan!

A caravan is a crucial constituent for the ultimate adventure, exploration or family road trip. Suppose you plan to buy a new or used caravan. In that case, it is reasonable to consider your budget, savings and consider how you can finance the new purchase. By doing your homework, you can make proper financial arrangements to ensure that the project is successful without putting you in financial jeopardy.

In the current world, various financial firms will offer you the services of securing a loan for your caravan project, but these loans come with different terms. To secure the best deal, conduct your research to determine the best-suited financier. The primary sources of loans are banks and caravan financial brokers. A caravan financial broker is client-centred, and here are some of the reasons why you should consider this option for your caravan project.

Access to a multitude of lenders

Accessing finance for your caravan from a bank is very stressful as the banks usually do not have that specific loan for the project. They will provide you with a costly loan without even offering you various options to choose from. On the other hand, when you approach a reliable broker, you get access to a variety of financiers for the project and access to various terms, giving you a chance to choose the most convenient option for you.

Convenience is also an essential factor when securing a loan; a broker will save you the hassle of moving around and comparing the various lenders for decision-making. They always get the job done for you, and it does not stop there; they guide you in making the best decision, such as assistance in getting a low-interest product and other financial advice.

It is a faster, more straightforward process

You do not want to have to follow up your caravan loan processing for months. Caravan finance brokers ensure that their process is quick and efficient, which means transactions go faster. They ensure that the following processes are streamlined as quickly as possible:

  • Caravan finance quote processing which is obligation free and does not affect your credit rating
  • Application submission
  • Communication with Ezilend Finance team
  • Approval
  • Loan disbursement for buying your new caravan

Use our online finance calculator to get an idea of the repayments for any amount financed at specific interest rates.

Do you know you can get your new caravan within days? Yes, once you can confirm that you are comfortable with the monthly repayments, you can access pre-approval straightaway. What follows is the formal application and the approval, which means that within days, you can make that caravan purchase and get ready for the road trip. You can fast-track the process, too, if you have all of your required documentation ready to upload online.

Proven experience with caravans

If you make a phone call or visit any bank for inquiries, there is a high probability that the customer service team may be unfamiliar with how caravan financing works. This can be a hindrance and waste your valuable time. When making sound financial projects come to fruition, you need a resourceful partner. Caravan finance brokers are experts who have the know-how of caravan financing. With the right guidance, making the best decision is a guarantee.

A personalised service

Anywhere you shop and experience excellent customer service indicates how that business values your contribution. When dealing directly with banks, their core objective is to treat you as a number, so as you transact, they treat you as a new addition. Your application is one of the numerous applications that must be processed by their teams. They have no real incentive to move things along quickly for you. You have to operate on their terms and to their timelines. When you interact with a caravan finance broker, you open a new chapter of the relationship. They walk with you during the whole process giving you the best advice which cannot be found within the current banking environment. They will take the application as their highest priority, getting the best possible deal for you as quickly as possible. You are not a number when you deal with Ezilend.

Continued support after financing is secured

When you work with caravan finance brokers, they give you a personalised service for your loan. They also ensure that the relationship continues throughout the financing period until the loan is fully paid. Good finance brokers should have many return customers; ones who purchase their cars from us, then camper trailers, caravans, boats, and jet skis. Having a great reputation is second to none, and receiving 5-star reviews speaks volumes. Working with the Ezilend Finance team is one of the best decisions you can make as they give you timely updates that keep you in the know about your loan progress.

Talk to Ezilend – Your Finance Professionals

Do not postpone that lifetime adventure or that road trip. Make a move today and contact Ezilend for the best financial insights that will put a smile on your face as you plan for the big event.

Considerations Before Buying A Used Car

Did you know that with dedicated research and a well-planned strategy, you can acquire a used car that is as good as a new one? Yes, there are used cars that are as reliable and efficient as new ones. But the most crucial aspect of buying a second-hand car is to take your time to evaluate all the variants involved that will result in the car being the right one for you.

Many of us aspire to own a car; going for a used one is one of the best strategies in cost-saving and getting yourself on the road with your asset. But getting the best deal is not easy; many buyers have been left frustrated after acquiring an unsuitable car that fails to meet their needs and was not entirely as advertised.

Many used car owners suffer mainly because of the high maintenance costs, flawed research, insufficient information about the car from the dealers, and buying the wrong vehicle for their intended purpose. The fact is, you must know what you want, and with the following factors, knowledge will guide you in getting the best car that will serve you appropriately.

Budget

The question is, how much are you willing to put aside for a car? Determining the amount of money you need to buy your car is not automatic. You must establish how you will source the funds and consider any impact on your lifestyle. If you are opting for a loan, speak with your consultant for guidance regarding loan repayments, interest rate and any ongoing fees. You do not want to get yourself in a financial fix after just acquiring a car.

Also, keep in mind that the expense of buying a second-hand car does not end with the car’s price tag. There are other associated costs such as change of ownership, license, and additional charges depending on the state you are in. Ensure that you stick to your budget no matter what to avoid future financial crises.

Safety

It is essential to consider the safety of yourself, the car, and the transaction when buying a used car. One of the main decisions you must make is to determine whether to buy a car from private sellers or dealers. Many second-hand car owners will advise you that purchasing a used car from a private seller has more inherent risk than from a dealer.

Dealers must adhere to state and federal regulations, including consumer protection, while private sellers have no customer protection policy or regulation. Other safety aspects include car warning systems, active head restraints, anti-lock brakes, new airbag technology, and other in-built car safety requirements.

Purpose of the car

Determining your car’s purpose is a crucial aspect that you must consider through evaluating the following scenarios before making the final decision.

I. If the car is to be used in a family setup, what is the number of family members that the car will transport? What are the preferences of other family members? Do you need room for baby capsules or other access or legroom for an elderly or disabled family member?

II. If you are buying for travelling purposes, how long are your journeys? How is the terrain of the area of travel? Will the vehicle be comfortable for long-distances or unsurfaced roads? What is the fuel-efficiency like?

III. If it’s going to work, how does it reflect your image concerning your job position? What is the company policy on fuelling employee cars?

IV. Are you planning to join the Uber community? What are the requirements?

If you can answer these questions, you will have a clear picture of the car you want and can work towards acquiring it.

Type of car

Your budget might be set, and the purpose of the car determined, but many models can serve the same purpose. I know we all have our preferences, but proper research will guide you in coming up with the best solution for your car search.

You can begin by visiting various local dealerships, comparing the models, and developing a sense of precisely the kind of model that suits your requirement. Also, using internet resources, you can get a rough picture of a model that will suit your lifestyle.

Funding

You might have done your budget and all other preparations ready for acquiring your new car, but you will need funding. As stated earlier, your car costs more than the price tag; other costs such as maintenance costs must be considered.

If your car project is financed by a loan, partnering with a financial institution that guides you in making the best possible decision will make your life more comfortable and flexible during the whole process of buying a used car.

 

Quick Guide to Caravans

Buying a Caravan: Your Quick Overview

If you’re thinking about buying a caravan, you’re considering upping your adventure game.

Caravans save money on traditional travel accommodations. They let you explore just by stepping out the door. Their customisation allows you to have all the comforts of home.
From meeting new people to freedom of movement, a caravan is a smart idea. But it’s also a big decision. This is an investment you want to do right. We want to help you see Australia while keeping budgets in check and comfort high. Read on for a quick overview for buying a caravan.

Visualise Your Idea of a Great Caravan Layout

Learn what makes for a good caravan, the extra requirements when you buy a caravan and what features work for you. Questions should include:

  • How many berths will you need?
  • Do you need that lush lounge or large dining area?
  • What are you planning to do with the caravan?
  • How often will you likely hit the road?
  • How many will probably go on your adventures?

Be Patient

Experienced adventurers know this. If you’re new to caravanning, you don’t want to put your money into the first vehicle you lay your eyes on. Considering the newest designs, getting knocked off your feet is common. The upholstery, tech and gadgets, and interior facilities can make a newbie anxious.

Stay objective. Take your pictures and move on. You can always come back. Due diligence requires you to investigate and learn more. The best way to do that is through shopping. You’ll come to see things like the layout and all-up caravan weight are critical. Most likely more so than that amazing microwave or cool dining table.

This Has to be a Hands-on Venture

Unless you know caravans, all that thorough internet research isn’t enough. You want to get out to the dealerships. The entire family has to be with you. Sit in the caravans and imagine what essentially living in it will be like.

This research will be invaluable as your knowledge base grows. Something as seemingly unimportant as an awning, a big help in warmer months, can suddenly become a deal-breaker.

Tread Carefully

You will run into deals that are impossible to turn down. Hold off on whipping out the chequebook for a deal that’s making you do backflips. Salesmen know you can cross the road and find a better deal. They’ll work that angle. Hard. It’s about a commission, not your interests. Handing over a deposit too soon leaves you vulnerable to driving a caravan not right for you.

Get a solid idea of the layout your family and adventures need. Find a few models that fit the bill. Now, you’re in a position to play the game.

Caravan Financing

You can buy new or pre-owned, but you’re likely going to need a little help closing the deal. The right caravan loan can make the difference between the purchase becoming a dream or a nightmare. You want the best rates. You want pre-approval, giving sellers a reason to fight for your business. Pre-approval is a must when buying a caravan, just like with a home purchase – you need to know how far you can stretch your budget, what your repayments will be and then you can drive a better deal. Don’t get caught up in emotions. Know up-front exactly what you can afford to buy and that you are ready to go. By being prepared you can assure the caravan seller you are a serious buyer, and get a better deal. Financing with pre-approval and planning ensures you’ll get the right caravan for your adventures.

Five tips for buying a second-hand motorcycle

Are you looking to get a motorbike? Here we share a few tips to help get you on the right track when looking at second-hand bikes.

Five tips for buying a second-hand motorcycle

1. Research First

Before any major purchase decision, you should always research what you are buying and how it matches your needs. Whether a car, boat, caravan or motorbike, the choices are endless, and so is the availability of information.

But what are you looking for when doing your research on a second-hand motorbike before purchase? You need to decide what type of bike you are looking for – a road bike or dirt bike – or a something can be both on-road and off-road. Is the motorcycle being used for work or pleasure? Consider where you live and what would constitute average use for your motorbike given your circumstances and riding ability.

Once you narrow down what you are interested in, you need to discover the various models available. Check out the forums to see what people enjoy about the various bikes you are interested in getting and where they have experienced issues. It is handy to learn what could go wrong with it and whether the manufacturer has issued any recalls or safety notices.

Investigate replacement parts – both availability and cost along with service costs, so you know what the ongoing investment will be to maintain the bike.

2. Investigate the bike history and review the online photos

Once you have decided to check out some bikes from online sales websites, gather the details of the bikes you are very interested in and put the information into bikefacts.com.au . You can check if there is any finance attached to the bike, or if it has been stolen or written off.

Once you are satisfied that the bike is legitimate, have a good look a the photos to make sure everything looks in good working order. If you notice any damage in the images or broken parts have been mentioned in the advertisement – investigate what it would cost to repair. You are then in an excellent position to decide if the asking price is reasonable or if you have some negotiating room.

3. The second-hand bike inspection

When you have decided things are lining up nicely and it is time to inspect and test ride the bike, ask the seller not to start the motorbike before you arrive. When you start the bike from cold, if there are any tell-tale signs of engine trouble, you should be able to hear this from the very get-go.

Inspect the bike’s alignment, the sprockets and forks’ condition, and the tyres’ grip. Ask the seller when the bike was last ridden. If the bike has been in storage for some time – tyres and the engine may exhibit signs of deterioration. For example, if the tyres are worn or cracked and require replacement, you could be up for a further $500.

Ask to see the motorbike’s service history and ask if the seller has the original user manual. Are there any other accessories that have been fitted or modified on the bike? Are these legal and have they been modified correctly? Be sure you are satisfied with the overall safety of the bike before you think about riding it.

4. The Test Ride

Once you are satisfied with the bike’s overall appearance and history, ask to take it for a test ride. You will soon know when riding the bike if there are issues with the gearbox, brakes or clutch. If you think something is not right, talk to the seller about the roadworthiness and have the matter investigated before purchasing.

During the test ride, think about how you feel on the bike and if this is what you were expecting. Are you comfortable in the ride position? Does the motorcycle handle how you expected it to?

5. Motorbike Finance, Approval and Purchase

Your final decision will be – Is this the bike for you? Once you have negotiated the best deal and – of course – have your finance sorted (get this done first so you know what you can afford), you should be ready to make a final offer.

If you need finance for your motorbike purchase, get started early – contact us at Ezilend and get pre-approval today. Pre-approval makes the process of finding your perfect second-hand bike all that more simple.

Jetski finance by Ezilend

Jet-Ski Maintenance – 5 Important Tips

So you finally got your hands on that Jet-Ski you have always dreamed of owning. You are ready for countless hours at the beach or in your local waterways. The sunscreen is packed, the kids – old and young – are excited and you are set for some real fun. 

While any personal watercraft will provide hours of unlimited fun and entertainment on the water, you will need to be all over the maintenance of your Jet Ski to ensure the best performance and safe use each and every time you take it out.

Read the Manual

The very first thing you should do – maybe even before you buy the Jet Ski – is to carefully read your manual to learn everything you can about its use, maintenance regime and how to store, manoeuvre and drive your jet ski. This is particularly important for those who have never owned a Jet Ski before. You will learn a great deal from the manual. If you have owned a Jet Ski before, then it is still useful to review your new toy’s details! You might be surprised by what this one can do – or what the latest recommendations are.

Keep the manual handy as it is important to review this from time to time – and when it comes time to upgrade or sell, you will want to hand this over to the new owner.

Protect the Exterior of Your Watercraft

In particular, the best way to keep your Jet Ski from looking great is to wash it down after salt-water riding.

Taking pride in the appearance of your Jet Ski is a practical consideration. You have spent considerable time choosing this watercraft for various reasons, and one sure reason would be how it looks. So from an aesthetic point-of-view, protecting the exterior ensures the craft remains bright and shiny. You should be proud to take it out adventuring and this also maintains the value when it comes time to upgrade.

By taking proper care and washing off salt-water, mud, sand and other residues – you are protecting your investment.  Take the time to wash and wax the watercraft’s exterior. Washing and waxing protects the boat’s skin from the degrading effects of sun, wind, sand, and salt.

Choose a cleaning solution that is made for boats or personal watercraft. In addition, waxes are also available that are designed for marine use. These products will better endure the harsh conditions that the sea can throw your way.

After a day on the water, you should also correctly store your jet ski. Provide maximum protection by either covering the watercraft using a form-fitting cover designed for your boat, or keep it securely stored inside a garage or carport.

The most important reason for washing, waxing and storing your watercraft in a protected environment is to prevent your jet ski’s exterior from becoming brittle or cracked. The sun’s harsh ultraviolet rays will rapidly deteriorate the exterior of your jet ski. So take the time to protect your Jet Ski’s body to make your investment last.

Flush the Engine

Salt water and fresh water can both contain residues and harm your engine. After each day out on the water, be sure to flush your engine. Your user manual will provide the steps to take to ensure you adequately remove any impurities.

Flushing the engine will remove impurities such as salt, sand, mud, algae, weeds and plant remnants from the engine preventing corrosion. The general method of flushing the engine involves running fresh, clean water through the engine for a couple of minutes after you take the Jet Ski out of the water and prior to storing it. Refer to the manual for how to complete this effectively for your watercraft.

Conduct Regular Inspections and Maintenance

Personal watercraft like Jet Skis require routine maintenance as they contain moving parts exposed to harsh environmental conditions, and these components will need to be periodically lubricated. Check the manual and your local dealer to find out the best oils and greases when lubricating your personal watercraft, as incorrect types could wash away quickly and leave your machine vulnerable and exposed.

Changing the engine oil regularly on any motorized device is imperative to keep the engine functioning safely. The Jet Ski manufacturer will have stipulated a maintenance schedule, just like car manufacturers do – so make sure you know what the length of time is between services and keep to the schedule.  

By doing a routine inspection of the watercraft each time you take it out and bring it back, you will be sure to notice any problems, corrosion or unusual engine noise.

Storing Over Winter

Following a cracking Summer and Autumn with your Jet Ski, the winter in some places may mean it is too chilly to be out on the water, so you will need to  store your Jet Ski for the season.

Any motorized device must be adequately prepared for storage when not in use. You will follow the directions in the user manual which will include the previously discussed flushing of the engine, a thorough wash-down to protect the exterior and  the addition of a fuel stabilizer to prevent fuel evaporation from damaging the engine.

When not using the jet ski, fuel evaporation can leave behind varnish and other sticky residues that can cause fuel line clogs and other engine problems when you bring your Jet Ski out of hibernation. Fuel stabilizers come in various formulations, so choose one appropriate for use in personal watercraft.

Once you add the fuel stabilizer, remove the spark plug from the motor and spray fogging oil into the cylinder. Fogging oil is designed to provide long-lasting protection against corrosion inside the dormant cylinder; without it, the engine oil inside the cylinder would drain and leave bare metal exposed to moisture.

Jet-Ski Maintenance – 5 Important Tips

At Ezilend, we love a great day out on the water and providing loans to help you make the most of your time with family and friends is what we do best. If you are looking to invest in a Jet Ski, boat or other watercraft, be sure to check out our competitive rates. Get in touch today.