Black Friday is on 27 November 2026, and some dealers run promotions around it. A lower sticker price helps only if the finance behind it does not cost more than the saving. This guide sets out how to compare a deal by what you will pay in total, what to prepare before you walk in, and what to ask before you sign.
loan-o is a Brisbane finance broker based in Milton. We compare car and vehicle finance across a panel of 50+ bank and non-bank lenders. This guide is general information. It does not list or recommend any dealer's deals, and every deal is the dealer's own, so check the details and your rights as a buyer with your state's fair trading office.
Shopping for a car deal on Black Friday: what to know
Compare the total cost, not the headline
A promotion can lower the price, add extras, or lower the finance rate. Each changes a different part of the cost. Work out what you will pay in total and compare it with the same car without the promotion.
- The price of the car, with any discount, and whether it includes on-road costs such as registration and stamp duty.
- The loan: the interest rate, the term, any balloon, and the fees.
- Any extras bundled into the deal, and whether you want them or are paying for them.
- The total you will repay across the whole term.
Sort out your finance before you visit
Knowing what you can borrow, and on what terms, lets you judge a dealer's offer against a real alternative. A pre-approval is not a guarantee of final approval, and the lender can change its position if the car or your circumstances differ from what you described. Ask how long it lasts before you rely on it.
Have your documents ready
A deal can have a deadline, and finance takes time. Having your documents ready helps the process move faster. Lenders commonly ask for photo ID, proof of income, bank statements and the details of the car, such as a quote or contract of sale. Your lender or broker will tell you what applies to you.
Deposit and trade-in
Many car loans do not need a deposit, but a lender can ask for one. A trade-in works like a cash deposit, because its agreed value reduces the amount you need to finance. Compare the trade-in value on its own, not only as part of the combined price.
Questions to ask before you sign
Do not feel rushed by a deadline. If you need time to compare, ask for the offer in writing and check how long it lasts.
- What is the total price, including on-road costs and any extras?
- What is the interest rate, the comparison rate, the term and the total I will repay?
- Does the deal depend on using the dealer's finance, and what changes if I use my own?
- What fees apply, now and at the end of the term?
- What happens if I want to pay the loan out early?
- Is there a balloon payment, and what do I owe at the end?
loan-o's Black Friday offer
loan-o is running a Black Friday offer until 28 November 2026: eligible customers who meet the terms pay a $0 origination fee. Approval, eligibility and settlement are not guaranteed, lender fees and third-party costs still apply, and the terms set out what you need to do and by when. Read them on the offer page before you apply.
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Finance is subject to lender approval, lending criteria, terms, conditions, fees and charges. The information in this article is general and does not take into account your personal or business needs. It should not be treated as personal financial, tax, legal or credit advice.
Last reviewed: 12 November 2026. This content provides general information only. It should not be treated as personal financial, tax, legal or credit advice.
Frequently asked questions.
Got a question about your own situation? Ask a specialist →
Black Friday is on Friday 27 November 2026, and Cyber Monday follows on 30 November.
It depends on the deal. Compare the total you will pay, including on-road costs, extras and the cost of the loan, against the same car without the promotion.
It helps, because you can compare the dealer's offer with a real alternative. A pre-approval is not a guarantee of final approval.
Ask the dealer. Some promotions depend on using the dealer's finance, and the terms of the deal may change if you do not.
Eligible customers who meet the offer terms pay a $0 origination fee, until 28 November 2026. Approval and settlement are not guaranteed, and the terms are on the offer page.
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