Vehicle & Asset Finance
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2. We will have a discussion to identify your requirements.
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Secured Car loan – This is the most common car loan where the car is used as security. A secured car loan also means interest rates are generally lower than an unsecured car loan. Benefits include fixed or variable rates. Weekly, fortnight or monthly payments with a term of 1 – 5 years.
Unsecured Car Loan – This is a personal loan used for a vehicle purchase, an unsecured loan does not use the car as security, which gives you a little more flexible with what you can purchase. However rates are a little more due to the car is not used as security. This is best suited for smaller amounts or second hand cars or cars over 12 years old.
Vehicle & Asset Finance –If you are looking to buy any assets for your business speak to us first. As we have a range of different finance options to help you purchase Cars, trucks, forklifts, office fit outs, furniture, IT equipment. Essentially most items you use for your business we can help you fund the purchase.
Some of the most common Asset Finance options are:
Commercial Hire Purchase
Commercial Hire allows you to hire and use the asset until the final payment.
When you pay the final instalment, the title of the asset transfers to you.
You can also tailor payment options, including the repayment period, the deposit amount and the final balloon payment to help manage your cash flow.
Chattel Mortgages are a popular finance solution for many businesses and allow you to own the asset from the outset – in addition your loan agreement is secured by the asset.
You can tailor your loan payments by choosing the term – typically up to five years. You can also structure payments to free up cash flow at times you need it the most.
With a Finance Lease, the financier owns the asset and leases it back to the business. Leasing is an off balance sheet item and often chosen for the significant tax advantages. For tax paying organisations the lease payments are 100% tax deductable.
This type of lease can benefit businesses that need vehicles or equipment without tying up a large amount of capital. You can also structure lease payments in advance and terms up to five years.