Blended Finance
Dealer Finance vs Broker Finance
Dealer finance can be fast at the point of sale, while broker finance can provide wider lender comparison. The right path depends on your priorities: speed, flexibility, or total cost.
How the pathways differ
Dealer channels often prioritize convenience during the purchase process. Brokers can assess multiple lender policies, which can be useful for complex credit or income profiles.
- Dealer finance is integrated into the purchase flow
- Brokers can compare structures across lenders
- Rates alone are not enough: compare fees and term effects
- Settlement speed can differ by lender and profile
- Service quality matters when circumstances are non-standard
Questions to ask before choosing
Ask for a full repayment schedule and fee breakdown under both options. The cheapest-looking monthly repayment may not be the lowest total cost over the full term.
| Factor | Dealer route | Broker route |
|---|---|---|
| Speed at purchase | Usually very fast | Varies by lender options |
| Choice set | Often narrower | Typically broader |
| Complex profiles | May be less flexible | Can be more policy-matched |
| Transparency needs | Request full schedule | Request side-by-side comparison |
Next steps
Use this guide as a framework, then compare at least two full offers with the same assumptions before you commit. If you want support, our team can help you match structure, rates, and fees to your profile.