FINANCE OPTIONS
Finance made easy
Finance options.
Flexible, transparent, and designed with you in mind.
Our experienced and accredited finance team will guide you every step of the way, answer your questions, and help find the right solution for you.
PERSONAL LOAN WITH FIXED RATE
You borrow the amount needed to purchase your vehicle and repay it through fixed monthly instalments over a chosen term.
The car is registered in your name from day one. The lender holds your car as security until the loan is fully repaid.
T&Cs apply
GUARANTEED FUTURE VALUE
Many of our manufacturers offer this option, where the lender sets a guaranteed value for your car at the end of your loan. This amount isn’t included in your regular repayments, which helps keep your monthly payments lower.
At the end of your agreement, you can choose to:
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Pay the guaranteed amount and keep the car
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Trade it in for a new car and use any extra value as equity
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Return the car (conditions apply)
T&Cs apply
NOVATED LEASE
This is a three-way agreement through your employer, a finance institution and yourself. The lender buys the car you choose; your employer takes payments out of your salary and pays the lender.
The payments come out before tax, which reduces your taxable income. At the end of the lease, you pay a final amount and keep the car, or trade it in for a new car.
T&Cs apply
ASK A QUESTION
FAQ ABOUT FINANCE
How is my interest rate calculated?
Your interest rate is based on several factors, credit score, loan period, loan amount, deposit and current market conditions.
What’s the difference between buying and leasing a car?
Buying means you are working towards owning the car. Leasing lets you drive a car for a set period with lower monthly payments, then return it, upgrade, or buy it at the end.
Do I need a deposit?
No, many finance options do not require a deposit. However, paying a deposit can help lower your repayments.
What is a balloon or residual payment?
A balloon (for loans) or residual (for leases) is a lump sum due at the end of the term. It helps keep your regular repayments lower and gives you flexibility to pay it, refinance it, or trade in your car.
How are my repayments calculated?
Your repayments are based on the car price, loan or lease term, interest rate, deposit or trade-in value, and any balloon/residual amount.
Can I finance a used car?
Yes, we offer finance option for used cars as well as new cars.
What credit score do I need?
A good credit score can improve your chances of approval and help you get a better interest rate. If you have a limited or average credit history, there may still be options available through our wide range of lenders.
Can I pay off my loan early?
Yes, many lenders allow early repayment or extra payments, but some may charge fees.
What documents do I need to apply?
You will usually need: Driver’s licence, Proof of income (pay slips or tax returns), Proof of residence, ABN for business loans.
Can I trade in my current car as part of finance?
Absolutely. Your trade-in can be used as a deposit or to reduce the amount you need to finance.
How do I get started?
Simply speak with our finance team. We’ll help you choose the right option and guide you through a quick and easy application.
Disclaimer
The information provided is general in nature and does not take into account your personal financial situation. Finance options are subject to approval by the lender. We work with several financial institutions and may recieve a commission for arranging your finance.