Finance - Car Loan

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A Car Loan is a personal finance product where the financier lends the customer funds for the purchase of a vehicle, and secures the loan against that vehicle.

  • Term of the loan can vary from 2 to 7 years
  • A balloon value can be applied to the contract enabling the monthly repayments to be tailored to a budget.
  • Monthly payments are fixed.
  • Fixed interest rates.
  • Deposit (either cash or trade in) may be used
  • A tax deduction is available when the vehicle is used for business purposes.
  • The loan is secured against the vehicle, allowing lower interest rates.

Chattel Mortgage

A Chattel Mortgage is a commercial finance product where the customer takes ownership of the vehicle (chattel) at the time of purchase.

  • Flexible contract terms ranging from 2 to 7 years.
  • A residual value (balloon) can be applied to the contract enabling the monthly repayments to be tailored to a budget.
  • Fixed interest rates
  • Monthly repayments are fixed.
  • Cost are known in advance.
  • Deposit (either cash or trade in) may be used.
  • A tax deduction is available when the vehicle is used for business purposes.

Car Lease

A car lease of finance lease is a commercial finance product which enable the customer to have use of a car or commercial vehicle and the benefits of ownership of the vehicle.

The financier purchases the vehicle on behalf of the customer, who then leases the vehicle back from the financier and pays a fixed monthly lease rental for the term of the lease.

At the end of the lease the customer can either pay a residual value(final installment) on the lease and take ownership of the car, trade it in or refinance the residual an continue the lease.

  • Flexible contract terms from 2 to 5 years.
  • Fixed monthly interest rate.
  • Fixed monthly lease repayments.
  • Cost are known in advance.
  • A residual can be applied according to ATO rules to a lease, lowering monthly repayments.
  • A tax deduction is available when the vehicle is used for business purposes.
  • As the GST contained in the car’s purchase price is claimed back by the financier, only the vehicle’s price exclusive of GST is financed, lowering monthly repayments.
  • Ability to make advance lease payments for tax deduction or cash flow purposes.
  • The lease is secured against the vehicle, allowing lower interest rates.