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Select a finance type
Consumer Loan
Click to find out moreNovated Lease
Click to find out moreChattel Mortgage
Click to find out moreFinance Lease
Click to find out moreConsumer Loan
Product Benefits
Fast Approval
Apply today and we will usually have your loan approved by the next working day.
Click here to startNo Deposit
Use your cash for other things as 100% finance is available to approved purchasers.
Registration and Insurance can also be included in the loan.
Match your budget
Choose from 1 to 7 years and match the repayments to suit your budget.
Fixed Rate
Repayments are fixed so you will know exactly what your repayments are.
Click here to startRepayment Methods
Direct Debit from nominated bank a/c or BPAY
Novated Lease
Product Details
Purpose
For employees who have the option of receiving a car as part of their salary package.
The employer pays all rental payments to the financier and the employee enjoys full use of the motor vehicle.
Click here to startBenefits for employees
Use of the vehicle without having to budget for the repayments.
Option to buy the vehicle without a deposit or the hassle of being reimbursed from your employer.
Complete choice about what car you buy and where you buy it from.
Retain the car even if changing employment.
Interest rates
The rentals are fixed throughout the life of the loan.
Repayment frequency
Repayments frequency is Monthly
Repayment methods
Direct debit and periodical payment from a nominated bank account or BPAY®.
Chattel Mortgage
Product Details
Purpose
Provides finance for companies and business professionals to purchase goods such as motor vehicles, trucks, earthmoving, industrial plant and professional equipment, which are for business use more than 50% of the time.
Click here to startHow it works
You take ownership of the goods upon delivery and the financier secures the loan by registering a charge over the goods.
Minimum Capital Outlay
With a Chattel Mortgage you own the goods your business needs without paying for them up-front. So you can put your day-to-day cash flow to better use.
Tax deductible
A chattel mortgage may provide tax benefits if the financed goods are used to produce assessable income. Speak to your accountant for further information about tax benefits.
Click here to startNo deposit
100 per cent finance is available to approved customers, so you don't have to tie up your day-to-day cash flow.
Click here to startMatch your cash flow
You can arrange to make a balloon payment at the end of the loan to reduce repayments throughout the term.
Early repayment
You have the flexibility to repay the contract in full before the term ends.
Repayment frequency
Monthly
Repayment methods
Direct debit from a nominated bank account and BPAY®.
Finance Lease
Product Details
Purpose
Available for companies and business professionals to buy business goods such as motor vehicles, trucks, industrial plants, professional or earthmoving equipment.
Click here to startHow it works
The financier purchases the equipment or vehicle you require and then leases the goods to you. You then enjoy the use of the vehicle or equipment for an agreed time in return for a series of rental repayments.
You can finance the outlay you've already made for goods purchased in the last six months.
What is the lease agreement?
The lease agreement sets out the:
- Residual value of the goods
- Term of the lease in months
- Monthly rental
- Depreciation rate
When the lease expires
You can choose to:
Return the equipment to the financier who can sell it in the market place (you would need to make up the shortfall if the net sale was less than the agreed residual value).Take up any invitation the financier may give you to purchase the equipment.
Click here to startNo initial cash outlay
A finance lease gives you immediate access to the goods your business needs without a capital outlay so you can put your day-to-day cash flow to better use.
Click here to startNegotiate your payments and residual value
Within an approved range allowing more flexibility in budgeting.
Flexible terms
Match your finance to the length of time the asset is required – from one to five years.
Match your cash flow
You can arrange to make a balloon payment at the end of the loan to reduce repayments throughout the term.
Click here to startTax deductible
Rental payments are fully tax deductible if the equipment is used solely for earning assessable income. Speak to your accountant for further information about tax benefits.
Click here to startFree up other valuable assets
The equipment being purchased is normally sufficient security for the finance – your other business assets are not required as security.
Interest rates
The rentals are fixed throughout the life of the loan.
Repayment methods
Direct debit and periodical payment from a nominated bank account or BPAY®.
Other details
The residual value of the leased goods is established in accordance with a schedule issued by the Commissioner of Taxation.
Lease rentals are usually tax deductible if the leased goods are used to produce assessable income.