While you find answers to the most commonly asked questions below, you can easily learn more by making an online Finance Enquiry or simply calling us toll free on 1300 550 676.

This way we can better understand your personal or business circumstances to provide you with the most relevant information.

	I'm getting a car loan but I'm not sure which on-road extras I can include in the deal.
	Compulsory charges include registration, government stamp duty, transfer and number-plate charge. It is common to have these included in a loan agreement.
	Do I need to provide additional security for a car loan?
	Usually the motor vehicle being financed is sufficient security.
	What financial information do I need to provide to a lender?
	Income, monthly commitments, assets and liabilities.
	Is it worthwhile getting loan insurance?
	Life is full of uncertainties. An accident could reduce your income and jeopardise your ability repayments. Loan insurance offers peace of mind. Some lenders can arrange car loan insurance.
	I'm leasing a car and I'm not sure what residual value means.
	It is an estimated value of the car at the end of the lease period. It is calculated using Australian guidelines, according to the vehicle's effective life and depreciation.
	As a part of a salary package, my employee is offering a novated lease. What could I be in for?
	The vehicle is effectively leased to you then subleased to the employer who makes the payment on your behalf. Novated leases terminate when you finish employment with the company.
	What is a balloon payment?
	It is the vehicle's estimated value at the end of a hire-purchase term. It is similar to the rest but taxation guidelines are not used to calculate it.
	How much can I borrow?
	This depends on your income and asset position.