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Specialist guidance to help you find a loan tailored to your needs and secure the right funding options for your situation…
Vehicle Loans
Lease or Buy
Competitive Rates. Clear Advice.
Car loans make purchasing manageable
While many Australians prefer to buy their vehicles outright, not everyone has the means to do so. This is where choosing between leasing and buying comes into play.
With a car loan, you’ll become the owner of the vehicle upon purchase. You then make scheduled repayments over the loan term—typically between three and five years. Once the loan is repaid, you own the vehicle outright.
Leasing provides vehicle use, not ownership
When you lease a vehicle, you’re paying for its use over an agreed term. There are generally two main types of leases:
Operating lease: This functions similarly to a rental. At the end of the lease, you return the vehicle and no further payments are required.
Finance lease: This offers the option to purchase the vehicle at the end of the lease with a lump sum payment. Alternatively, you can lease a new vehicle and continue making payments. Finance leases are often preferred by businesses as they allow for employee vehicle use without significant upfront costs.
If you’re ready to upgrade your vehicle, MoneyQuest Camden is here to assist you! We work with a range of specialist car lenders and can help you find loan options suited to your next car, motorcycle, boat, van, or equipment purchase.
Car Loans
Competitive Rates. Clear Advice.
At MoneyQuest Camden, we help you find competitive car loans for new cars, used cars, cars from dealers, and cars from private sellers.
Put simply, when you take out a car loan, you gain ownership of the vehicle at the time of purchase, with the finance provider holding an interest in the vehicle as security.
You can choose to pay off your car loan early, and you may sell the car at any time, subject to the lender’s terms. At the end of the contract, the lender releases their interest, giving you full ownership of the vehicle.
Novated Leases
Discover the benefits. Enjoy the freedom.
A novated lease, structured through salary packaging, is an arrangement approved by the ATO that can provide several advantages for employees.
With a well-suited novated lease, you may benefit from potential tax savings, such as reduced income tax and no GST on the vehicle purchase price or running costs.
Discover how a novated lease might work for you. Call 1300 886 100 to connect with a MoneyQuest broker in your area.
Chattel Mortgages
Commercial Car Loans Made Easy.
A chattel mortgage is a vehicle finance option designed for businesses. Instead of paying the full cost upfront, your business can spread the payments over the loan term.
You gain ownership of the vehicle at the time of purchase, while the lender places a ‘mortgage’ over it as security for the loan.
Let us help you find a chattel mortgage suited to your needs. Call 1300 886 100 to connect with a MoneyQuest broker in your area.
Low Doc Car Loans
Car Finance For The Self-Employed
Low documentation car loans offer flexibility for self-employed individuals or businesses that may not have traditional income verification.
At MoneyQuest, we work with a wide range of lenders who offer car loan options designed to suit various unique circumstances.
Get started today by contacting 1300 886 100 to speak with a MoneyQuest broker near you.
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