Car Loans and Leasing
Finance Broker Services
We can help you with virtually any method of financing.Novated Lease / Salary Packaging
For those who have the option of receiving a car as part of their salary package, novated leases are very popular. You can read more about novated leases and salary packaging here.Or click here and get the best of both worlds and sign up for a novated lease while driving a car for personal use.
Chattel Mortgage
A chattel mortgage provides finance for companies and business professionals to purchase goods such as motor vehicles, trucks, earth moving, industrial plant and professional equipment, which are for business use more than 50% of the time.You take ownership of the vehicle upon delivery, and the finance company secures the loan via a mortgage on the vehicle.
The main benefits with chattel mortgages are as follows:
- Tax deductible. The chattel mortgage will produce tax benefits if the vehicle is used to produce assessable income.
- No deposit. 100% of the vehicle can usually be financed under a chattel mortgage.
- Early repayment. The mortgage can be paid in full before the term ends.
- Fixed interest.
- Term. The term can be one to five years.
To discuss your options (including chattel mortgages) please go to our Pre Approved Finance section and fill in your details.
Consumer Loan (secured)
A Consumer Loan is designed for individuals who want to use their car mainly for private purposes, and for whom private ownership is important. It offers loans with or without balloon payments. By utilising a balloon value you can reduce your payments considerably and improve your cash flow.You can structure the monthly installments to suit individual budgetary requirements. By opting to place a deposit, or by nominating a final lump sum payment at the end of the finance term, you can conveniently decrease your monthly repayments, giving you greater security when managing your budget and planning your financial commitments.
Ownership is transferred to you as soon as the first payment is made, in exchange for security over the vehicle. This is discharged upon payment of the final installment.
You may also be given the opportunity to re-finance your final lump sum payment at the end of the contract term.
Simple steps to get started
Click here if you wish to get a quote or be pre-approved and one of our friendly team member would give you a call and discuss the most suitable finance options for your next car purchase.
Finance Lease
A finance lease is used by companies and business professionals to allow them to use business goods (such as a vehicle). At the end of the lease, you may purchase the car, re-finance it or return it to the finance company who would sell it at market value (You would need to make up the shortfall if the net sale was less than the agreed residual value).The main benefits with a finance lease are as follows:
- No initial cash outlay.
- Match cash flow. A finance lease allows the lessee to select a lease term and repayments to suit their cash flow. Lease rentals and residual values can be negotiated within an appropriate range to allow more flexibility in budgeting.
- Frees up assets. The vehicle itself is normally the only security required.
A Finance Lease does not require a deposit, and so gives you immediate use of the vehicle. Payments are fixed for the term of the lease, allowing fixed budgeting for your financial planning. For added flexibility you have the option to refinance the vehicle or make an offer to purchase the vehicle for the residual value at the end of the lease.
To discuss your options (including finance leases) please go to our Pre Approved Finance section and fill in your details.
Operating Lease / Rental
An Operating Lease is essentially a rental agreement where the costs are fixed and there is no residual exposure at the end of the contract. This means that provided return requirements are met, you can simply hand the vehicle back at the end of the term.- No initial cash outlay.
- Less risk. The risk and responsibility of disposing the vehicle is removed from your business.
- Tax deductible. The operating lease will produce tax benefits if the vehicle is used to produce assessable income.
Testimonials
I would like to thank you and your organisation for your assistance in the purchase of my new Hyundai Tiburon. As you are aware, I am Sales Manager of a busy company in Brisbane, and I did not have to leave my office once during the 4 days it took to find the car,organise trade-in,arrange for extras and deliver the car. I would have no hesitation in recomending your organisation to both, my friends and interested parties looking to purchase a new car. Thanks again and good luck in the future
B.R., Brisbane
I just want to say thank you for all your effort in getting me a good deal on the car. I managed to save close to $6,000 from the initial quote given to us by a Toyota car dealer. I am very happy with your service and will surely recommend you to all my friends who are keen to buy a new car.
N.A., Victoria
I drove around in my old car most of today and decided that I really had enough of it. Your quoted price of $18,200 is at least $1,000 cheaper than any of the others; I have been to three different dealers and haggled all day long.
S.L., Brisbane
I picked up my new Nissan Patrol on Friday afternoon. I would like to thank you for all the work you did on my behalf and the fantastic price you secured my new car for. It was so good not to have to do the rounds of the car yards and try to beat car sales people at what they do best. Your website was also great with tips on how to sell my other car as well as all the other information available on it. The dealership was very professional as well and the car was ready as promised and in a very nice condition.
B.W., Queensland
I'd like to take this opportunity to say that this is a fantastic service you offer, especially for a woman as it takes away the pain of dealing with car salesmen. Using your service saved me thousands of dollars and I will definitely recommend you to all my friends and colleagues, in fact one has already logged on to get a quote today.
S.T., Sydney
I've been with the RACV for over 10 years. I just didn't realise what a premium I was paying for the service. Going with your car insurance recommendation and the roadside assist is saving me several hundred dollars every year!
C.A., Ballarat
Thank you very much for an excellent service. I will certainly recommend you to all and any prospective car-buyers I come across in the future.
M.T., Melbourne
Just a brief note to say thanks for your outstanding service. You managed to find a dealer who was prepared to reduce the purchase by some $6750 inclusive of all costs and then you went further by haggling for a better trade in for me giving me a change over cost of exactly $13500 less... THAT I CALL SERVICE...I shall certainly be singing your praises.
K.B., Sydney
Just a short note to say thank you for brokering the purchase of my new car. The MX-5 is fantastic and what's even better is the great price you negotiated for me. The Paint Protection went on with ease and the finish is superb. I'm glad you recommended it. The entire experience has been a positive one for me. I will gladly recommend your company to any of my friends or family who are thinking of purchasing a vehicle in the future.
R.H., Adelaide
Fast replies, great service and most importantly, extraordinary prices. Anyone buying a new car not using this service is not fair dinkum about getting the best price and probably paying too much. The service saved me thousands. Will definitely be using it again when next buying a new car and have been telling all my friends about it. Keep up the good work.
J.G., Perth