Milam · Resources

Car finance,
actually explained.

No jargon. No dealer spin. Just clear information to help Australians make smarter decisions about how they finance their next car.

Car Finance AU

Record Car Sales + Rising Rates: What It Costs You

July was a record month for car sales. It was also one of the most expensive times to finance one.

Read →
Car Finance AU

EVs Are Booming. Your Finance Choice Could Wreck It.

Record EV sales + rising rates = a nasty trap if you sign the wrong contract.

Read →
Car Finance AU

The EV Novated Lease Residual Trap

Novated leases are booming — but there's a number in your contract most Australians never check.

Read →
Car Finance AU

Half of Car Loan Defaults Happen in the First 6 Months

ASIC just proved Australians are being rushed into car loans they can't afford. Here's what the data actually shows.

Read →
GFV Education

What Really Happens When Your EV GFV Loan Ends

Record EV sales, a new Tesla finance deal, and a rate hold at 4.35% — here's what every buyer needs to know.

Read →
GFV Education

The EV Finance Trap Hiding in Plain Sight

EVs hit 36% of new car sales in June. But the residual risk inside your finance deal is real.

Read →
GFV Education

EV Boom, Wrong Finance = Costly Mistake

EVs are selling faster than ever in Australia — but the finance contract you sign could wipe out every advantage.

Read →
GFV Education

Tesla's GFV Loan: Read This Before You Sign

Tesla launched a GFV loan in Australia on 10 July. Here's what the fine print actually means for your money.

Read →
Car Finance AU

Record Car Sales — and Record Finance Risks

June 2026 was the biggest car sales month in Australian history. Here's what that means for your wallet.

Read →
Car Finance AU

ATO's New $69,883 Car Limit: What Business Owners Must Know

The ATO quietly updated its car depreciation limit from 1 July 2026. Here's what it means for your finance deal.

Read →
Car Finance AU

Falling Used Car Prices & the Finance Trap

Prices are dropping — but a bad loan can wipe out every cent of that saving.

Read →
Car Finance AU

Chinese Cars Are Booming — Here's the Finance Risk Nobody's Talking About

Australians are snapping up BYD, Chery and Zeekr in record numbers. But the finance industry hasn't priced the resale risk.

Read →
Car Finance AU

ASIC: Lenders Can't Hide Behind Dealers Anymore

ASIC just put every car finance lender in Australia on notice. Here's what it means for your wallet.

Read →
Car Finance AU

Repossessed & Still in Debt: ASIC's Shocking Finding

Your car gets repossessed — and ASIC just found 90% of Australians still owe more than half their loan.

Read →
Car Finance AU

The $9,000 Fee Hidden in Your Car Loan Contract

ASIC just reviewed 350,000 Australian car loans. The fee findings should make you furious.

Read →
Car Finance AU

The EV Depreciation Trap Inside Your Finance Contract

Record EV sales hide a brutal depreciation problem — and most Australians have no idea it's in their contract.

Read →
Car Finance AU

The LCT Change Most Aussie Buyers Don't Know About

New LCT thresholds and rules from 1 July 2026 could cost — or save — you thousands.

Read →
Car Finance AU

The EV Tax Perk Australians Are About to Lose

The full FBT exemption on EV novated leases is being phased out. Here's what it means for your next car.

Read →
Car Finance AU

ATO Car Tax Changes: What Aussies Need to Know

New ATO thresholds kicked in July 1. Here's what changed — and what it means for your car finance.

Read →
Car Finance AU

The EV Finance Rate Advantage Most Aussies Miss

EVs now make up 23% of new car sales — yet most buyers still finance them at the wrong rate.

Read →
Car Finance AU

Chinese Cars Are Booming. Here's the Finance Trap Nobody Warns You About.

BYD and Chery are flying off lots — but the way most Australians are financing them is still costing them a fortune.

Read →
Car Finance AU

RBA Rate Cuts vs. Your Car Loan: The Gap Nobody Talks About

Rate cuts are happening — but car loans aren't following. Here's why, and what to do about it.

Read →
Car Finance AU

Your Car Loan Rate Isn't What You Think It Is

The rate on your contract and the rate you actually pay are two different numbers. Here's why.

Read →
Car Finance AU

Repossessed & Still in Debt? Here's How It Happens

Losing your car doesn't mean losing your debt. ASIC's data shows why — and what to do instead.

Read →
Car Finance AU

Your Credit Score & Your Car Loan Rate: The Real Cost

Your credit score doesn't just affect approval — it can cost you $13,000+ on the same loan.

Read →
Car Finance AU

Your Weekly Car Payment Is Hiding Something Big

Low repayments feel great — until ASIC reveals what's lurking underneath them.

Read →
Car Finance AU

What ASIC Found Reading 350,000 Car Loans

Australia's regulator just dropped a bombshell report. Here's what it means for your next car loan.

Read →
Car Finance AU

Negative Equity: The Car Loan Trap No One Warns You About

Owe more than your car is worth? Here's the honest truth about negative equity in Australia.

Read →
Car Finance AU

ASIC's New Car Finance Report: What It Means for You

ASIC dropped a 37-page car finance report today. The findings are not flattering for dealers or brokers.

Read →
Car Finance AU

Car Loan Rates Are Climbing Again in 2026

Rates are up, the ATO just reset its car thresholds, and most Australians still can't spot a bad deal.

Read →
Car Finance AU

Dealer Finance vs. Bank Loan: The 2026 Reality Check

The gap between dealer finance and a bank loan isn't just a few dollars — it can be thousands.

Read →
Car Finance AU

When Car Finance Goes Wrong: What ASIC Found

ASIC is reviewing car finance right now — and the numbers are alarming. Here's what they mean for you.

Read →
Car Finance AU

The Secret Rate Markup on Your Car Loan

Dealers can quietly add percentage points to your car loan rate and pocket the difference. Here's how to stop it.

Read →
Car Finance AU

The Hidden Tax Adding Thousands to Your Car Price

LCT, depreciation caps, ASIC warnings — here's what Australian car buyers need to know right now.

Read →
Car Finance AU

The Dealer Finance Rate Trap — Explained

Dealer finance feels convenient. But convenience has a price — and it's usually yours.

Read →
Car Finance AU

Stuck in a Bad Car Loan? How to Refinance in 2026

Australians are refinancing car loans at record rates — here's when it makes sense and what it actually saves you.

Read →
Car Finance AU

When Your Car Finance Ends: What Happens Next

The end of your car loan term is where the real money decisions happen — most Australians aren't ready.

Read →
Car Finance AU

That 1.99% Rate Is Not What It Seems

Dealer finance rates look amazing. The real number Aussies pay tells a very different story.

Read →
Car Finance AU

Your Car Lost 15% the Second You Drove It Home

Depreciation is the silent killer of car finance. Here's what every Aussie borrower needs to know.

Read →
Car Finance AU

28% of Aussies Regret Their Car Loan — Here's Why

New data shows nearly 1 in 3 Aussies end up in the wrong car finance. Here's how to spot the traps.

Read →
Car Finance AU

The Comparison Rate Trap: What Lenders Don't Tell You

That shiny low rate on the dealer's screen isn't the real cost. Here's what to look for instead.

Read →
Business Car Finance

ABN Car Loans: The Business Owner's Guide

If you have an ABN, you can claim GST, deduct interest, and depreciate your vehicle. Here's how the numbers actually work.

Read →
Car Finance AU

Balloon Payments: Cheap Now, Costly Later

Half of Australians can't explain a balloon payment — and dealers know it.

Read →
Car Finance AU

EV Finance in Australia: What They Don't Tell You

EVs are booming — but the finance fine print can still bite you hard.

Read →
GFV Education

GFV Loans: What Dealers Don't Tell You

Lower repayments sound amazing. But a standard GFV loan has a catch most Aussies never see coming.

Read →
Car Finance AU

Novated Lease vs. Car Loan: The Real 2026 Numbers

One cuts your tax bill. The other gives you actual ownership. Here's the honest breakdown.

Read →
Car Finance AU

The Used Car Market Has Shifted in 2026

Used car prices are normalising — but the wrong finance deal can still cost you thousands.

Read →
Car Finance AU

EOFY Car Finance 2026: Don't Get Played

EOFY deals are everywhere right now — but most Australians don't know what they're actually signing.

Read →
Car Finance AU

ASIC's Car Finance Warning: What Buyers Must Know

Australia's regulator has car finance in its crosshairs. Here's what that means for you.

Read →
Car Finance AU

5 Dealer Finance Tricks Costing You Thousands

ASIC just caught a dealer charging $9,000 in fees on a $49k loan. Here's how to spot every trick.

Read →
Car Finance AU

Car Loan Rates Are Up. Here's What It Costs You.

Average car loan rates have hit 8.92% p.a. in 2026. Here's what that means for your weekly payments.

Read →
GFV Education

What is a Guaranteed Future Value (GFV) car loan?

The car finance option most Australians have never heard of — but probably should.

Read →
GFV Education

Balloon payment vs GFV loan: what's actually the difference?

They look the same on the surface. They're very different underneath.

Read →
GFV Education

At the end of a GFV loan: keep, return, or sell?

The decision most people don't think about until it's too late.

Read →
Car Finance AU

How much are Australians really paying for car loans in 2025?

The numbers are more confronting than most people realise.

Read →
About Milam

What is Milam? A new kind of car finance for Australians

Car finance in Australia hasn't changed much in decades. Milam is trying to change that.

Read →