While many Australians prefer to purchase vehicles outright, not everyone has the means to do so. That’s when financing or leasing can provide a solution.

We work with a range of specialist car lenders and offer flexible loan options for cars, motorcycles, boats, vans, or equipment – helping you find a loan tailored to your needs.

What to Expect with a Car Loan

With a car loan, you’ll own the vehicle from the time of purchase. You then repay the loan in fixed installments over three to five years. Once the loan is paid off, the car is fully yours.

Leasing Gives You Use, Not Ownership

When leasing, you pay for the use of a vehicle over a fixed term. The two main types of leases include:

• Operating Lease: Works like renting. You return the vehicle at the end of the term and stop making payments.
• Finance Lease: Allows you to buy the vehicle at the end of the lease by paying a lump sum. Alternatively, you can upgrade to a new lease for a different vehicle. Finance leases are common for businesses, offering employee vehicles without large upfront costs.

What Is a Novated Lease?

A novated lease is a finance lease paid from your pre-tax salary, potentially reducing your taxable income. However, if you switch jobs, you may need to take over the lease payments unless your new employer agrees to continue them.

Reach out to one of our brokers to discuss the best options for your needs. Schedule a consultation today!