We offer a team of experienced finance professionals dedicated to making your next car loan an easy one.
We understand that a one size fits all approach simply does not work, so we offer a wide range of car loan products so that we can match your personal needs.
We offer you the highest level of personal service taking all the frustration and worry out of the equation. Let us arrange for the pre-approval of your next car loan purchase leaving you free to get on with work or play. We’ll negotiate with the banks and finance companies to secure the most suitable financial product for your business or individual needs.
Not sure of your options?. With the help of our trained team, you can get all the answers you need to ensure you get the very finance solution that you want. Our knowledge and experience will get you the very best loan, fast & hassle free.
Types of Facilities for Motor Vehicle Finance
Vehicles can be financed for both businesses and individuals, for business or personal use and we have the experience to make it easy for you.
The vehicle/equipment is rented or leased for a monthly payment over a period of 2 to 5 years with a residual or lump sum payment at the end of the lease in line with Australian Taxation Office guidelines.
Leasing is an accepted and well-established form of equipment financing enabling many businesses to access equipment and technology which may not have been available through more traditional forms of finance.
Features and benefits
- finance is generally for the full price of the asset
- allows the lessee to budget exactly for the fixed rental payments and may provide a buffer against inflation and rising interest rates
- rental payments over the term of the agreement can be tailored to fit particular income streams, an advantage to businesses with a high level of seasonal income
- depending on how the asset is used, rental payments may be deductible from pre-tax earnings, however, independent taxation advice should be sought on this and all taxation matters
There may be more advantages to the business in owning the asset and claiming depreciation where the goods attract a high depreciation rate. In such circumstances, the hire purchase finance package we offer may be more appropriate. You should see your own tax advice on this and all issues from your taxation adviser.
As part of a salary package arrangement, this is a three way agreement between the employee, the employer and the lender. The employer agrees to make the repayments per the contract while that person remains in their employment. If you leave the company, the vehicle/equipment goes with you.
For business’ or individuals with a car/equipment allowance that want full ownership at the end of the finance period. Repayments can be structured to suit your cash flow with balloon or lump sum payments at the end of the term.
Under a Commercial Hire Purchase, the hirer contracts to pay hire charges for a fixed period at the end of which the legal title to the property passes to the hirer. Until all the hire charges have been paid, legal title remains with the owner (Financier).
Under a Commercial Hire Purchase arrangement the Hirer may be entitled to taxation claims, however, you should seek your own independent taxation advice, as this may not be applicable to your situation.
An alternative option for business’ with immediate ownership with the benefit of claiming back the GST within the BAS period of purchase. Again, repayments can be structured to suit your cash flow with balloon or lump sum payments at the end of the term.
For individuals were the vehicle is primarily for personal or domestic use. The full amount of purchase can be financed with a lump sum or balloon payment at the end of the term to assist in keeping the repayments within your budget with an option of making additional repayments to reduce the interest payable.