Consumer Loan

Product Benefits

Fast Approval

Apply today and we will usually have your loan approved by the next working day.

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No 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.

Repayment Frequency

Repayments frequency is up to you Fortnightly or Monthly.

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Fixed Rate

Repayments are fixed so you will know exactly what your repayments are.

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Repayment 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.

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Benefits 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.

Term

One to five years

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Loan amount

The choice is youre, loan from $12,500 and upwards

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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.

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How 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.

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No deposit

100 per cent finance is available to approved customers, so you don't have to tie up your day-to-day cash flow.

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Match 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.

Term

One to seven years.

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Loan amount

$12,500 and upwards.

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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.

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How 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.

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No 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.

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Negotiate 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.

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Tax 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.

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Free 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.

Term

One to five years.

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Repayment frequency

Monthly

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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.