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Here are a few of the most popular Car loans we offer:

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  Secured Car Loans

  You’ll take ownership at the time of purchase and the lender takes an interest in the vehicle as security for the loan. Once your contract is completed you’ll own the vehicle outright. If you’re unable to make your repayments, then the lender may be able to repossess your car. If you’re using your car for business purposes more than 50% of the time, then a commercial business loan like a chattel mortgage might suit you better.
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  Personal Loans

  The lender will advance funds to you to purchase the car or asset of your choice. You’ll take ownership at the time of purchase and repay the loan to the lender over the agreed terms.
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  Chattel Mortgages

  Much like a secured car loan, the lender will provide the funds for you to purchase the vehicle and you’ll take ownership at the time of purchase. The lender takes a ‘mortgage’ over the vehicle as security for the loan. Once the contract is completed you’ll own the vehicle outright. You may be able to Claim GST, Depreciation, Interest and running costs on your vehicle as long as it is being used for business greater than 50% of the time.
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  Commercial Hire Purchase

  Under a Commercial Hire Purchase arrangement the financier agrees to purchase the car on behalf of the customer, and then hire it back to them over a set period of time. The customer has the use of the vehicle for the term of the contract but is not the owner of the vehicle. At the end of the contract term when the total price of the vehicle (minus any residual) and the interest charges have been paid in full, the customer takes ownership of the car.
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  Vehicle and Equipment Leasing

  When you lease a car or another asset, you’re paying for the use of the vehicle over a set term, you are effectively renting the asset over a fixed term. There are a number of Leasing options, here are the two most popular options.

  Finance lease

  Allows you to buy the car at the end of the lease with a lump sum payment. Alternatively, you can choose to swap the lease to a new vehicle and continue making payments. Finance leases are popular in businesses because it’s a way of providing employees with cars without substantial upfront investments.

  Novated lease

  A novated lease is a finance lease which is paid off by your employer from your before‐tax salary. This reduces your taxable income, making it cost‐effective for both parties. The downside of novated leases is that you may become responsible for the lease payment if you move jobs. Your new employer may not agree to make payments on your behalf.