Car Loans

  • Terms of 1-7 years available
  • New, pre-owned, vintage & collectible cars
  • No ongoing fees and charges

Let us help you find the right loan for your car whether it’s through a dealer, auction or private sale.
We’ll get you a really great deals.

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Found your new car and looking for the best finance option?

Low rate car loans from 4.25% for up to $100,000!
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We make buying and financing a car simple.

We can even assist in finding your dream car with access to a huge network of dealers,
we can even get you discounted fleet pricing.

Secured loan

A secured loan is a loan of which the lender has security over the asset that is being financed.

The lender then registers it interest in the asset financed which mean that as a general rule, the lender will provide you with a better rate than if that lender was to lend you money without an asset security.

Registering security over an asset, reduces the risk for the lender as if it was to happen and you could not continue making the payments on your loan, the lender then can sell the asset and recoup some or all of the outstanding balance on the loan.

In some cases, the lenders will fund an amount in excess of the value of the asset because they have some security, but these extra funds are generally to fund the fees involved in setting a loan up plus any insurances that you can derive a benefit from which also reduce the risk for the lender.

These loans are suitable for individuals and couples alike and can be for term between 12 and 84 months.

Chattel mortage

A chattel mortgage is a secured loan for assets that you purchase for what will be primarily for business use.
The definition of business use is that the asset is used 51% or more for business.
Being a loan for primarily business use, there may be some tax benefit to you as a business with a possible claim of the interest as a tax deduction, so we suggest you speak to your accountant.
You can structure a Chattel mortgage in different ways, you may have a balloon payment at the end and reduce the normal monthly payment but be aware that the ATO does have guidelines as to the percentage of the balloon based on the term of the loan.

Bear in mind that the bigger the balloon is, the higher the payout figure will be through the duration of the loan if you choose to pay it out early.
When setting a balloon figure, please try and set it in a way that the balloon value is equal or below the future value of the asset at the expiration of the loan so you don’t end up with an outstanding amount to pay after selling or updating the asset.
These loans are suitable for businesses and self-employed persons such as tradies and can be for terms between 12 and 84 months.

Commercial hire purchase

Commercial hire purchase, or as widely know as CHP, is a commercial loan facility where you essentially hire the asset from the lender for a fixed monthly repayment over an agreed term.
In this case, the lender agrees to buy the goods from the supplier and in turns, hires it back to you for the contract term.
You may choose to have a contract with or without a balloon at the end and you can also choose to make payments in advance or in arrears.
Balloons will be set as a dollar value or a percentage of the purchase value and if you choose to make payments in advance, the first payment will be upon the settlement of your contract.

This type of loan is designed for business use and requires the asset to be 51% or more a business use asset.
These loans are suitable for businesses and self-employed people and can have terms of 12 to 84 months.
Talk to your accountant to make sure these loans are suitable for you and to understand the tax benefits of them

Novated lease

Novated lease is a three-way agreement between you, the lender and your employer and is generally only available on cars that are new or up to around 4 years old.
This product is used in many salary sacrifice packages and allows you to include or as we call it, bundle your payments and the running costs of your car such as fuel, services registration and even tires into one monthly payment.
In some instances, the employer will make the payments as part of your remuneration package or in others it may be paid from your gross income before tax.
Talk to your employer and your accountant to make sure this facility is suitable for you.

If your employment is terminated your employer, you may be liable to continue with the payments if you wish to keep the car, or you may choose to sell the car and pay the remaining balance out.
These leases may have a small or a larger residual, which is similar to balloon payment so please set them up with a residual no greater than what you think the car will be worth at the end of the lease term.
These leases are suitable for employees within a stable employer environment, not necessarily high income earners and generally offer terms of 12 to 60 months so you always get to drive a relatively new car.

Frequently Asked Questions.  

What is a loan and how does it happen?

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How monthly payments are calculated and what is your problem?

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Is my loan real?

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How monthly payments are calculated and what is your problem lady?

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What is a loan and how does it happen to me?

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You must meet the below criteria to apply for a loan. Am I eligible?  

Employed

18 years of age or older

Permanent residentof Australia

I meet all three requirements above.

It’s just 3 simple steps!

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Apply on-line now.

Fill out the ‘Quick Loan Form’ and we will search for the best finance package for you. Apply Now  

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