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This type of finance can be tailored to suit your needs, with fixed repayments and loan terms up to 7 years. A final balloon payment can be applied to your loan to reduce your monthly repayments. A balloon payment means that over the course of the loan, you will only repay part of the principal and as a result, at the end of the loan term will owe the lender a lump sum. Ownership of the vehicle remains with you, however the lender takes an interest in the vehicle as security for the loan. Once the loan is finalised the lender will lift their interest in the vehicle handing the customer clear title.
A commercial finance product where the vehicle is mainly used for business purposes. Flexible contract terms up to 5 years and a balloon amount can be applied to tailor your monthly repayments. Ownership of the vehicle remains with you and the lender registers an encumbrance. Once the loan is finalised the lender will remove the charge and hand clear title to you.
A rental agreement where the lender owns the vehicle and you then lease it for an agreed term and amount. Terms range up to 5 years. At the end of the lease term you have the opportunity to buy the vehicle and payout the lease or extend the lease for a further term.
A popular way of offering employees an opportunity to finance a motor vehicle as part of their remuneration package. A novated lease is an agreement between an employer, employee and the finance company. The employer makes the monthly repayments on behalf of the employee from their salary. Lease terms are usually from 1 to 5 years.