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A variable-rate car loan is a type of loan where the interest rate may change throughout the term of the loan. This means that your monthly payments may vary, making budgeting more challenging.

An unsecured car loan is a type of loan where the car does not serve as collateral for the loan. This means that the lender takes on more risk by lending you the money, so interest rates may be higher.

secured car loan is a type of loan where the car serves as collateral for the loan. This means that if you fail to repay the loan, the lender may repossess the car to recoup their losses.

A novated lease is a type of car lease where your employer makes the lease payments on your behalf. The payments are deducted from your pre-tax income, which can result in tax savings.

A chattel mortgage is a type of car loan where the car serves as collateral for the loan. However, unlike a secured car loan, you own the car outright from the beginning of the loan term.