To see an alphabetical site map click here

• Hire Purchase Explained
  Hire Purchase Hire Purchase offers the commercial buyer a range of choices, enabling you to structure the finance contract to exactly suit your needs. With flexible contract terms, from 24 to 60 months, you can select the length of contract to best suit your requirements. Monthly repayments are based on the amount you wish to finance, less the balloon (final instalment) at the end of the hiring period. Costs are known in advance, and fixed repayments make budgeting easier. Whether you wish to upgrade a vehicle, or acquire an additional one, Hire Purchase offers many advantages to business. Where the vehicle is used for income producing purposes, interest charges and depreciation can be tax-deductible. Hire Purchase enables you to place a deposit into the contract, either as cash or by using the equity in your current vehicle as a trade-in. You may also nominate the balloon (final payment) on your contract, providing you with even more flexibility, to tailor the repayment to suit your budget. For your convenience, you can often organise computer direct debiting of your monthly payment from your nominated account. Most modern car dealerships offer this service at no additional cost to you. They can advise you on the full range of options and tailor a finance package to suit your needs. In most cases with Hire Purchase, no additional security will be required, however, where the hirer is a company, we may be required to provide a guarantee from the directors of the hirer or some other appropriate persons.
  
  
  • personal loans for cars
    Personal Loans A Personal Loan gives you more financial freedom. You use our loan money to finance the vehicle of your choice and so keep your own funds free for other purposes. A personal Loan is an ideal way to enjoy your vehicle. By selecting the contract term (from 24 to 60 months) you can tailor your monthly repayment to suit your budget.
    
    
  • finance lease
    Finance Lease A Finance Lease is a tax-efficient tool to satisfy business needs without tying up capital. Finance Lease payments are made from pre tax income, not after tax profits, enabling a business to preserve cash flow and utilise the capital elsewhere in the business. Where the vehicle is used for income producing purposes, a tax deduction may be claimed by the lessee.
    
    
  • personal lease
    Personal Lease A Personal Lease is an ideal option when you use the vehicle wholly or predominantly for personal, household or domestic purposes. The special advantage of leasing is that it enables you to structure the contract to best suit your needs. By selecting the contract term (from 24 to 60 months), and the most suitable residual value, you can tailor your monthly repayment. And because the repayments are fixed and known in advance, you have firm control over your budget.
    
    
  • Novated Lease
    Novated Lease The inclusion of a motor vehicle as part of an employee's remuneration package has always been viewed as an attractive benefit. A Novated Lease works as follows:The employee decides what type of vehicle they want, and then enters into a finance lease with a finance company. The employee, employer and the finance company sign a 'Novation Agreement', whereby the employer agrees to take on the obligations of the employee under the lease. Under this arrangement, the employer makes the monthly lease payments on behalf of the employee. Should the employee leave his or her employment for any reason, the 'Novation Agreement' ceases and the obligations assumed by the employer revert back to the employee.
    
    
  • Insurance
    Insurance Most franchise New Car Dealerships in conjunction with brokers and underwriters offer insurance policies specifically designed for motor vehicle owners. To find out more about Insurance contact your chosen dealership. Most insurance policies on New Cars have agreed terms similar to the ones stated below. If your New Car dealer is offering you a policy very different to this I would suggest an alternative quote. Replacement with a new vehicle, subject to availability, if the insured vehicle is stolen or damaged beyond repair up to two years from first registration Agreed value option available upon renewal. Drivers with a maximum Driver Rating or No Claim Bonus can protect this with the payment of an additional premium. Permanently, fully fixed car phones are automatically covered. One windscreen claim per year without affecting Driver Ratings/No Claim Bonus or requiring an excess. Accommodation and travelling expenses incurred up to $500 as a result of theft or accident. $200 cover for damaged personal property as a result of theft or accident. Cost of hire car following theft of or damage to the insured vehicle (commencing after seven days and for a maximum of fourteen days).
    
    
  • Insurance Terms
    Agreed Value means the sum insured that You and Your Comprehensive Motor Vehicle Insurer have agreed to insure Your vehicle for. Amount Borrowed means the amount of any credit provided under the Finance Contract (exclusive of interest or terms charges), or should the Finance Contract be a lease, then the amount of the cash price of Your vehicle inclusive of any residual payment specified in the lease. Commencement Date means the later of the date funds are advanced by the Financier for the acquisition of Your vehicle or the date You signed the proposal. Comprehensive Motor Insurer means the insurance company that has insured Your vehicle for loss or damage under Your Comprehensive Motor Vehicle Insurance policy. Comprehensive Motor Vehicle Insurance means the policy of insurance which provides cover for loss of or damage to Your vehicle being in force as at the date of the incident resulting in the Total Loss. Cover Option means the option selected by You in the proposal. Financier means the finance company named in the proposal and schedule. Indebtness means the amount owing to Your Financier under Your Finance Contract as at the date of the incident resulting in the Total Loss. Finance Contract means the finance contract taken out for the purchase or lease of Your vehicle described in the schedule. Market Value means the current Market Value of Your vehicle immediately prior to the incident resulting in the Total Loss. This value is determined by Your Comprehensive Motor Insurer.
    
    
  • Finance Protection
    Finance Protection Insurance Added peace of mind, with cover for the unexpected This policy covers your vehicle finance repayments if you are unable to work due to temporary or total disablement, involuntary unemployment or death, and offers: 1. Involuntary unemployment cover 2. Cover following total and temporary disablement 3. Coverage in the event of death 1. Before you buy Finance Protection Insurance, you should: Find out what the policy covers and what it does not cover. Carefully read the Table below and ask the seller if you do not understand it. Be aware that if you are unable to make your finance repayment due to a disability caused by a pre-existing medical condition that you knew about at the time you took out the policy, the insurer may not pay your claim. Read the policy carefully to understand when the policy covers your Finance repayment and when it does not. If you decide to buy Finance Protection Insurance, you must: 1.Answer all questions on the application form truthfully and accurately; and tell the insurer everything that you know about your health that may increase the likelihood of your making a claim under the policy in the future. (If you don’t do that, the insurer may not have to pay claims under your policy) 2. Be aware that you may be able to arrange Finance Protection Insurance through a different insurer. Note also Finance Protection Insurance may only be available as part of a finance arrangement. 3.Some of your insurance premium, up to twenty per cent, may be paid to the seller of the policy as a commission. 4.Cooling-off period. After you purchase Finance Protection Insurance, you will receive the policy document. You will then have 14 days to check that the policy and benefits meet your needs. This is known as the cooling-off period. Within this period you may return the policy and receive full refund of all premiums paid.
    
    
  • Car Lease - Choose The Right One
    Do you want a car lease or a car purchase? This is the most important question, which needs answering, once you have decided to have a car. The biggest catch in the car industry is to be at the right place at the right time and get the best bargain. Some of the hottest automobiles are available at fabulously low prices for the right buyer. Try to be selective and trendy. Carry out some research on your own. The most important thing is to understand whether you need to purchase a car or not. If you want a car for keeps, then go for a purchase. If you have decided to keep a car only for a short period then it is better to opt for a car lease.
    
    
  • Need a Car? Buy It With Personal Car Loan
    Personal car loan offers you necessary amount to purchase a new car. Now you can flaunt your new car to all your neighbors and friends and make them feel envy. Personal car loan turns your dream to reality.
    
    
  • How To Negotiate So You Can Get A Good Deal For A Vehicle
    If you want a good deal on a vehicle, you have to be willing to negotiate. Negotiation takes some practice, and you need to know what to say and what not to say to the salesperson. When you familiarize yourself with pricing and other information, you can start to work your way into the price that you want. The more you know, the less chance the salesperson has to get over on you. Here are some pointers you can use when looking to negotiate a deal: • When you look to negotiate, you should be confident in your demeanor and keep a positive outlook. • While discussing price and other information with the salesperson, don't do it in a condescending manner. Otherwise, they won't want to work with you. • Make sure that you have all your ammunition ready when seeking to negotiate a deal for a vehicle. Be ready to have a counter strategy should the salesperson try to get over on you. • For additional ammunition, being advertisements from other dealerships. This can give the salesperson an incentive to go ahead and give you the best price. • If possible, try to get your loan financed through your bank or credit union. This way, you save money on unnecessary fees that you would pay if the vehicle were financed through the dealership. • It's always good to bring someone with you for that extra support. It's even better if the person is experienced in purchasing vehicles from a dealership. That way, they can give you tips on what and what not to do. Be mindful of any tricks the salesperson may have up their sleeve. They will say things to try and rush you into making a decision. They do this to get you to pay more money when you are trying to get the vehicle for less. Here are some of the lines you may hear from them: • "The vehicles are leaving the lot fast. This same model may not be here tomorrow. Or if it is, it may be at a higher price." Don't fall for it; you can always leave and go somewhere else. Then, if they really want your business, they'll change their tune. • If they brag about how many vehicles they've sold in a certain time period, ignore it like the plague. You can walk away and that will let the salesperson know that they are not the only ones in town. • If the salesperson claims to have another buyer for the same vehicle, telling you "The other person is willing to pay more than what you're offering." In that case, you'd better run away from that as fast as you can. Don't allow the salesperson to use intimidation to get what they want. • The salesperson claims the dealership paid so much money to cover overhead costs. This is just another ploy to push your buttons. In this case, have your paperwork available to show otherwise. Whatever you decide, don't allow these tactics to stop you from getting the best deal for a vehicle. If one dealership is not willing to negotiate, there are many others who will be more than happy to take care of you.
    
    
  • Prime Lending Rates
    Prime lending rates (PLR) refer to interest rates charged by commercial banks for the benefit of their creditworthy customers. Prime lending rates can also be described as rates that are paid by premier companies to banks in order to obtain funds. First time borrowers are provided loans with discounted current prime lending rates and therefore most first time loans are offered below the PLR. Increase in the value of bonds will also increase the rate of lending. Sometimes, banks increase the rate of prime lending when the cost of obtaining funds increases. Sometimes banks offer rates below the present prime lending rate in order to attract new customers. Prime lending rates are affected by federal fund rates. These rates vary with the availability of funds in the banks and the demand for credit in the market. Lending provides detailed information on Lending, Equity Lending, Commercial Mortgage Lending, Mortgage Lending Companies and more. Lending is affiliated with Mortgage Amortization Schedule.
    
    
  • Buy A Car With Bad Credit
    Many people with less than perfect pasts believe they cannot buy a car with bad credit. In reality, however, it is more than possible to buy a car with bad credit as long as some other things are in check. For those looking to buy a car with bad credit, there are some things to expect along the way, however. Not all of these will be pleasant, but they must be dealt with if the intent is to buy a car with bad credit. To put yourself in the best possible light, there are a few things you can do to buy a car with bad credit and have it be as painless as possible. They include: Pulling your credit: You need to know just how bad, bad is. If you intend to buy a car with bad credit, seeing what the lenders will is just a good idea. Perhaps you will find there are blemishes present that shouldn’t be and if that’s the case, you can get them fixed. Knowing your credit history will help you, too, in explaining things people will ask when you try to buy a car with bad credit. Pay off obligations: If you’re trying to buy a car with bad credit, but you’re a little overextended, try to pay down or off some of those obligations. This will help you as you try to buy a car with bad credit in showing that you’ve been responsible as of late and will also assist in proving you can meet the obligations.
    
    
  • Balloon Loans For Car Purchases?
    Though almost everybody knows how balloon loans work, it is always smart to reexamine the concept so as to have the variables implied fresh to analyze how they work on car loans. Thus, we will give a short explanation on balloon loans and then, we’ll analyze how balloon loans can help you afford a car purchase and in which situations it is advisable to resort to car balloon loans.
    
    
  • Privacy statement