VEHICLES, MACHINERY, AND EQUIPMENT FOR YOURSELF AND YOUR BUSINESS
FINANCES TO HELP YOU GET THE CAR OF YOUR DREAMS OR THE EQUIPMENT YOUR BUSINESS NEEDS.

Buying equipment and vehicles has never been easier.

Whether you’re in need of a brand new car for yourself or the latest equipment for your place of business, there are many equipment and asset financing options available to you.

Our team of experts is uniquely skilled and experienced to provide you with the guidance and expertise required to find the financing option that is ideal for you. Feel free to reach out to us and we’d be happy to help out!

Types of Equipment and Asset Financing Options

Who is car leasing meant for?

As one of the most preferred methods of buying a car, car leasing provides all the benefits of car ownership without you having to bear the burden of the initial cost. Lenders would buy the vehicle on your behalf and you would then pay them a fixed monthly fee to lease the vehicle for regular use. At the end of the leasing period, you have the option of purchasing the vehicle at an agreed amount. If the following apply to you, consider car leasing!

  • You’re looking for a new car. Whether you’re hoping to buy your very first car or you’re looking to upgrade, car leasing is one of the most sought-after and flexible ways of helping you finance your new dream ride.
  • You can’t afford hefty initial costs and down payments. Cost is the natural deterrent against anyone buying a brand new car. Having to pay a deposit or a significant portion of the car’s value up front is very hard to do. Leasing avoids this entirely.
  • You would like to own the car one day. Cars and vehicles at large have become increasingly valuable to a diverse group of people. While renting gives you temporary access, leasing gives you the option of buying your car back entirely once the lease is up.

Apply

Who are car loans meant for?

Car loans come in different iterations, based on the lenders providing them. That’s why you need to find the best available loans that meet your unique requirements. Once your loan is approved by a lender, you would have the funds to purchase your dream car – the lender will collect interest on the vehicle for the duration of your loan. Here’s how to tell if you should get a car loan.

  • You’re looking for a new car. Whether you’re hoping to buy your very first car or you’re looking to upgrade, car leasing is one of the most sought-after and flexible ways of helping you finance your new dream ride.
  • You’re looking for flexibility and options. With so many lenders active here in Australia, combined with the many loan types available, car loans give borrowers the ability to scope the landscape, review all the choices, and make an informed decision.
  • You would like to own the car one day. Cars and vehicles at large have become increasingly valuable to a diverse group of people. While renting does give your temporary access, car loans give you the contract period flexibility required to make successful repayments even in the most trying conditions.

Apply

Who is refinancing meant for?

Finding the right car can be a daunting experience. Many buyers tend to opt for the wrong finance option, which results in them being placed in terrible financial situations. Through refinancing, our customers have the ability to replace their existing loan with poor features, with a new one comprising lower interest rates, greater flexibility, and lower repayments. If the following applies to you, consider refinancing.

  • You’re having trouble with your current loan’s repayments. Tough times make it very difficult for you to pay off your loan – especially if it is riddled with poor features and relatively high interest rates. Refinancing lets you swap poor loans out for new, better ones.
  • You want to make the most of loans with lower interest rates. It’s entirely possible that when you got your first loan, interest rates were not as favorable as they are today. With refinancing, you can select loans that offer significantly lower interest rates – reducing your repayment costs in the process.
  • Reducing repayment period. Refinancing helps you reduce your commitment to a longer-term repayment period by allowing you to swap in a more favourable loan. The result? You get done with your loan repayments much faster.

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Who are bad credit loans meant for?

Many individuals experience poor credit ratings that significantly obstruct their ability to get a loan and, ultimately, buy their dream car. Poor credit ratings are often an indication of mismanagement and lack of guidance. Our bad credit loans are tailored to help you overcome this obstacle and be on your way to owning your dream car! If the following applies to you, consider a bad credit loan.

  • You have a poor credit rating. Most lenders and banks tend to flag poor credit ratings, which results in many borrowers missing out on important loans. Applying for a loan that is specially catered to individuals with poor credit ratings can be very helpful.
  • You are in need of a car. Whatever your credit rating may be, owning a car can be very important. If you are in need of a car for personal and/or occupational reasons, a poor credit rating shouldn’t stand in the way of that. Unfortunately, with many loans, this is a major obstacle.
  • You need assistance improving your credit rating. The important thing to keep in mind is that credit ratings aren’t permanent and they can be improved. By leveraging the expertise of bad credit loan experts, you will be advised on how you can go about improving your rating – this will have long-term benefits.

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Who are chattel mortgages meant for?

Many business owners rely on vehicles exclusively for business purposes and other related activities, which makes financing these vehicles very important. While there are many loans that can be used to finance vehicles, very few of them offer borrowers the flexibility that chattel mortgages do.

A chattel mortgage involves a lender loaning out the money required to purchase a vehicle to a business owner, who then acquires ownership of the vehicle. However, the lender takes out a mortgage on the vehicle as a security for the loan. Chattel mortgages can be taken out to finance up to 100% of the vehicle’s value. If you have the following requirements, a chattel mortgage may be your best option.

  • You’re looking a vehicle predominantly for business purposes. Whether this involves using the vehicle to commute between your various sites, conduct deliveries, and other operational activities, chattel mortgages are often used by borrowers for business purposes.
  • You want a repayment plan tailored to your cash flow. One of the most difficult aspects of taking out a loan is that it rarely works in line with your cash flow. Chattel mortgages can be tailored to your situation – for example, by leveraging a balloon payment.
  • You want to finance 100% of your vehicle’s purchase price. While many loan and financing options require you to finance at least a portion of the purchase price, chattel mortgages let you finance up to 100% of your expected purchase price.

Apply

Who are commercial hire purchases meant for?

Cars and other vehicles are huge financial commitments that aren’t always best suited for businesses and owners still at the infancy of their operations. Unfortunately, in many instances, business-related vehicles are a requirement and, one way or another, businesses need to find ways of sourcing them. While loans may not be the best option for businesses still getting set up, there are alternative methods.

Commercial hire purchases are perhaps the simplest method of sourcing vehicles. In this situation, a lender would purchase the required vehicle for you, on your behalf, and hire it out to you for a fixed monthly payment. However, all maintenance and operational costs will need to be taken care of by you.

  • You’re looking for a new car. Whether you’re hoping to buy your very first car or you’re looking to upgrade, car leasing is one of the most sought-after and flexible ways of helping you finance your new dream ride.
  • You’re looking for flexibility and options. With so many lenders active here in Australia, combined with the many loan types available, car loans give borrowers the ability to scope the landscape, review all the choices, and make an informed decision.
  • You would like to own the car one day. Cars and vehicles at large have become increasingly valuable to a diverse group of people. While renting does give your temporary access, car loans give you the contract period flexibility required to make successful repayments even in the most trying conditions.

Apply

Who should consider truck finance options?

Many businesses, especially those with high logistics requirements, rely heavily on large vehicles like trucks – big and small. Whether you’re looking to purchase a brand new vehicle or a second-hand one that matches up with your requirements, trucks don’t come cheap, which means many businesses rely on alternative financing options – specifically truck finance.

If the following applies to you, you should explore truck financing as an option.

  • Your business regularly engages in the movement of goods. If you deal with transportation of goods and your business is growing, the right truck finance options can help you grow your fleet efficiently.
  • You want an option specifically meant for trucks. Dedicated truck finance options and lenders can often provide you with a better and more tailored deal than you’d find with an alternative financing option.
  • You want your options to be tailored to your situation. Every business has its own requirements and circumstances, which is why the finance option you choose needs to be tailored to them. There are many lenders who facilitate truck financing with diverse conditions.

Apply

Who should consider machine finance options?

As technology continues to advance every single day, businesses across all sectors are hard-pressed to keep up or risk losing out and falling behind their competitors. Unfortunately, many new machine and other equipment come at very high costs, especially for small businesses. This means that many owners are left having to take out hefty loans to finance this equipment.

With machine and equipment finance options, business owners have access to a financing capability that goes beyond these challenges. Instead, these solutions are specifically catered to helping businesses gain the funds required to purchase the equipment they need at favorable rates. If the following applies to you, you should explore machine financing as an option.

  • You need to purchase a brand new piece of equipment. We are well past the days of compromising innovation to save costs. Today, if you don’t purchase the latest equipment, you’re will fall behind. Machine and equipment finance options are the way to go.
  • You want flexibility and comprehensive financing. The good thing about most machine and equipment finance options is that they often cover the full price of the purchase and have adjusted repayment timelines that reflect this.
  • You want to reduce personal risk as much as possible. Running a business is full of risk and liability as it is – increasing this risk due to brand new equipment will only make things worse. Fortunately, because the terms of machine/equipment financing let the lender seize the piece of equipment as repayment in the event that your business fails, your personal risk will be much lower than other types of commercial loans.

Apply

Our Services

Work with our team to carefully determine what your requirements are:

Residential Loan

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Personal Loan

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Commercial Loan

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Asset & Equipment Finance

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CONTACT US

+612 4961 4985

Shop 1, 38 Llewellyn Street, Merewether NSW 2291

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