Your Fast Guide to Car Finance

Looking to finance your next set of wheels but don’t know where to start?

Talk to our expert Finance Consultants today

Navigating the car loan market can be confusing - we can help with options

As an introduction, we’ve put together a brief guide outlining the most popular loans. When you’re ready to find out more, give us a call, we’ll help you choose the right loan for your budget and lifestyle.

specialised lenders

Commercial loans are the no-fuss option for busy professionals

Running a business can be tough. Maybe you’re a florist, out making deliveries all day, or a real estate agent, heading off to your next open home. Whatever it is you do, we know you don’t have the time to bother with complicated paperwork. We can help you arrange your car finance quickly – so you can get back to focusing on your business.

Whether you’re looking at borrowing funds through a chattel mortgage or hiring your car under a lease agreement, our low-doc options are easy to apply for and quick to approve. And, with a variety of loan terms and available extras, you’ll have the flexibility to structure your business in a tax-effective way.

equity

Consumer loan

When you find the perfect car, you want to call it yours straight away – without incurring a financial burden. Our consumer loans allow you to purchase a new or used car and take ownership of it immediately, so you can be out on the road in no time.

With fixed payments and interest rates, your loan will align with your cash flow, so that you won’t have to worry about staying within your budget. We’ll also help you customise a contract term and repayment plan to best suit your situation.

Best of all, this option is cheaper than a personal loan because the vehicle secures the finance, meaning you’ll get a lower interest rate.

unlock cashflow

Novated lease

If you’re looking for a way to combine all your car expenses – from loan repayments and insurance to fuel and maintenance costs – into a single payment, a novated lease could be the right option for you.

This agreement involves your employer paying the lender on your behalf, straight from payroll. As a result, you’ll avoid paying GST on the car’s purchase price and its future running costs.

And, because you’re making this deduction from your pre-tax salary, you’ll also be reducing both your taxable income and tax liability – potentially saving you thousands!