If your car is mainly for personal use and you eventually want to own it outright, the Motor Vehicle Loan could be all you need.

• Loan terms of between 1 - 5 years to allow repayments to suit your budget.
• Standard loan may include loan protection that will cover your repayments in case of unemployment, disability and death.
• Ability to make repayments fortnightly or monthly.
• Repayments can be made via direct debit from a nominated bank account, B'pay or via a coupon book.

Typically for employees who wish to choose their own company car then salary sacrifice the monthly payments. Novated Leases are usually three-party arrangements in which we buy the vehicle, and the employer pays the employee's monthly rental payments in pre-tax dollars.

• Fast approval.
• Apply over the phone.
• You are able to choose your own vehicle.
• Novated leases are portable and can be easily transferred to a new employer.
• Repayments fixed for the term of contract enabling you to budget your expenditure.
• Potential FBT and income tax benefits.

If you use your car for business and want flexible payments to suit your cash flow, then Asset Purchase could be the best option for you. The main difference between Asset Purchase and leasing is that you gain equity in the asset with each monthly rental payment. At the end of the rental term you have 100% ownership. In most states you can choose to either finance the whole purchase or pay a deposit up front. You can also choose to include balloon payments up to any amount at any time during the rental period, so if you choose to own the car sooner, you can. Asset Purchase also known as Hire Purchase and Term Purchase.

• Loan terms of between 1 - 7 years with an option of a balloon repayment at end of contract to allow repayments to suit your budget.
• Loans start from as low as $5,000*
• Repayments are fixed for term of contract and can be structured to suit you.
• No GST on the repayments.
• 100% finance or with an optional deposit / trade.
• Repayments can be made via direct debit from a nominated bank account, B'pay or via a coupon book.

• Fast approval.
• Apply over the phone.
• Tax deductible - Depreciation on the vehicle and the interest component of the rentals maybe tax deductible if it is used to produce assessable income or the expense is necessarily incurred in carrying in carrying on a business. Speak to your accountant for further information about tax benefits.
• Structure repayments to suit seasonal cash flow.
• Repayments fixed for the term of contract enabling you to budget your monthly expenditure.

If you drive for business and want lower monthly repayments plus the option to upgrade your car at the end of the loan, then ask us about Motor Vehicle Finance Leasing.

• Fast approval.
• Apply over the phone.
• Tax deductible - Rental payments are fully tax deductible if the vehicle is used solely for earning assessable income. Speak to your accountant for further information about tax benefits.

• Structure repayments to suit seasonal cash flow.
• Repayments fixed for the term of contract enabling you to budget your expenditure.

If your business uses a cash accounting system, there may be a tax benefit for you in financing your car with a Chattel Mortgage.

• Fast approval.
• Apply over the phone.
• The Input Tax Credit may be claimed upfront via your BAS rather than over the life of the loan.

• Business usage and expenses may be claimed against your taxable income.
• Structure repayments to suit seasonal cash flow.
• Repayments fixed for the term of contract enabling you to budget your monthly expenditure.

Finance is subject to credit assessment and approval.
Credit fees and charges are payable. Terms and conditions apply.