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Car Loan
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Acquire your dream car through the perfect Car Loan
Car Loans:
A car loan, also known as a vehicle loan, is a form of personal loan designed for the specific purpose of purchasing a new or used motor vehicle, which can include passenger cars, vans, trucks, motorcycles, utes, or 4WD vehicles.
Car loans can be categorised as either secured or unsecured. In a secured loan arrangement, you provide "collateral," often the vehicle itself, to offer additional assurance to the loan provider in the event that you are unable to repay the borrowed funds within the agreed-upon timeframe. Should the sale of the collateral not cover the entire outstanding amount, you will be responsible for paying the remaining balance directly to the lender.
On the other hand, unsecured loans do not necessitate collateral. Instead, the lender relies on your credit score and financial history to determine loan approval. Unsecured loans typically come with higher interest rates compared to secured loans, and the borrowing limit may be lower.
What information is needed for us to give you a car quote?
Acquiring a car loan is a straightforward process. The initial step involves reaching out to us for assistance. When you make that call, we will request specific information from you in order to provide you with a car loan quote.
• Car price
• Model and age of the vehicle (New/Used/ Demo)
• Dealer or private sale (private sale can increase the interest rate)
• Are you buying for personal use or business use?
• Are you a home owner?
• What loan term are you looking for? If you are unsure have you got a monthly/weekly repayment in mind.
Different types of car finance
1. Lease
A car lease is a widely embraced method of automobile financing that enables you to effectively “rent” a vehicle from a dealership for a predetermined duration and mileage limit. Under this arrangement, you’ll typically make monthly lease payments for the use of the vehicle, and in return, the dealership grants you the privilege of driving it. When your lease term concludes, you have the choice to either return the vehicle to the dealership or exercise the option to purchase the car if that is available within the terms of your lease agreement.
2. Chattel purchase
A chattel mortgage is a financing arrangement commonly employed by businesses to acquire new and used vehicles or other equipment essential for their operations.
Businesses find the vehicle or equipment, and the lender provides the chattel mortgage using the vehicle or equipment as security. Your business makes regular repayments, usually monthly, until the loan is paid off.
The business owns the vehicle or equipment from the start of the loan term and it’s used to secure the loan.
3. Hire Purchase
Hire purchase is a popular arrangement that allows businesses to quickly obtain valuable assets while distributing the cost over a set period. With hire purchase, you can immediately access business vehicles, equipment or machinery. This makes it an ideal option for startups, growing businesses, or if you need to upgrade your business assets.
Through monthly instalments, you can gradually gain ownership of the business equipment while using it. The predetermined repayment terms and fixed interest rates provide make it easier to budget and maintain cash flow stability.
4. Novated lease
A novated lease is a tax-effective agreement between you, your employer and leasing company that lets you lease a vehicle of your choice. You finance the vehicle and its operating costs with a combination of before and after-tax salary.
The obligation for the payment of lease rentals is transferred (novated) from you to your employer for the term of the agreement. Your employer makes the necessary deductions via payroll and pays the lease rentals and operating costs directly to LeasePlan. This is known as salary packaging.
Focus on your dream car while we get you finance
Buy your dream car with the right car loan.
Buy a New Car?
If you desire to purchase your car outright but lack the necessary funds, acquiring a car loan is an option. This allows you to assume ownership of the vehicle at the time of purchase. Feel free to connect with us to explore suitable car loan options tailored to your dream car preferences.
Thinking of Leasing a Car
If your intention is to have temporary possession of a car without full ownership, our team of loan brokers can assist you in obtaining a lease car loan. Whether you're interested in an operating lease or a finance lease, we are here to provide the necessary support for the specific type of lease car loan you need.
Car Refinance?
Frustrated by the inequitable terms of your present vehicle financing arrangement? Requiring funds to address the last balloon payment? Allow us to engage with your current lender, facilitating the refinancing of your ongoing car loan in your stead.
How It Work?
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Frequently Asked Questions
A small river named Duden flows by their place and supplies it with the necessary regelialia. It is a paradise
Far far away, behind the word mountains, far from the countries Vokalia and Consonantia, there live the blind texts. Separated they live in Bookmarksgrove right at the coast
Far far away, behind the word mountains, far from the countries Vokalia and Consonantia, there live the blind texts. Separated they live in Bookmarksgrove right at the coast
Far far away, behind the word mountains, far from the countries Vokalia and Consonantia, there live the blind texts. Separated they live in Bookmarksgrove right at the coast
Ready to Apply?
We recognize that car loan needs vary based on your financial circumstances and the specific vehicle you intend to buy or finance. Whether you're looking to acquire a new or pre-owned car, purchase outright, or opt for a lease agreement, we will secure the ideal car loan that aligns with your distinct needs.
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