Know the news with the 7NEWS app: Download today ArrowI also have a car loan that cannot be offset against the value of the car in my assets. The interest charge on the car loan is zero per cent with a balloon payment at the end. If we assume the payout of the car loan is $15,000, the car value will not change. If paid out, the value of your financial assets will decline by $15,000, and once you notify Centrelink, your pension will increase by up to $45 a fortnight. The other option to explore is changing the policy from a “whole-of-life” to an “endowment” policy.