Fast Approval Car Loans 

A car loan is when you borrow an amount of money from a financial institution to buy a motor vehicle such as a car, Ute, 4WD, or other.  A car loan is the cheaper option when it comes to interest payments.  

Types of car loans:

• Business car loan vs personal car loan:
  - Business Car Loans: Buying a car as a sole operator or as a company to add to your fleet. This is where a business car loan becomes helpful. You will have fixed monthly payments over an agreed period and take ownership of the vehicle, provided all payments are made at the end of the loan term.
  - Personal car loan: A personal car loan is when you borrow an amount of money, from a financial institution and repay the debt over an agreed timeframe with equal instalments. In general, a personal car loan is a cheaper option when it comes to interest payments.

• Secured car loan VS unsecured car loan:
  - Unsecured car loans: The lender requires no security for the debt. The loan is still subject to your ability to repay it. The interest rates on unsecured loans are higher on average than secured loans, which offsets the increased risk of losing money for the lender. 
  
  - Secured car loans: Use an asset to secure the loan, such as a car. This asset is then used as a kind of security against the loan.  If you are unable to repay the secure loan at any time, the lender may be able to use your security asset to recuperate the difference.  
  
  
• Leasing a car: Under this agreement, you use the car while the lender retains ownership. At the end of the term, you have the option to buy the car or trade it in for a newer model. Please talk with us for more information about leasing a car in Australia.
  
  
• Novated Leasing: This is perfect for businesses who want to provide a car for their employees. A novated lease is an agreement with you and your employer. The lease is paid by your employer and deducted from your pre-tax salary as part of a salary package. 
  
  
• Chattel Mortgage: A Chattel mortgage is like a secured car loan for assets purchased for business use. The lender takes a ‘mortgage’ over the car as security for the loan. Once the repayments are completed at the end of the repayment term, you’ll own the vehicle outright. 
  
  
• Hire Purchase: A hire purchase car loan is a way to finance buying a new or used car. You are normally required to pay a deposit and pay off the car's value in monthly instalments, with the loan secured against the car. At the end of the agreed term, and all payments are made, the car becomes yours—a good option for business. 
  
  
• Bad Credit Loans: Bad credit loans are for applicants with poor or bad credit due to defaults or not paid loans on time. As bad credit applicants' file also shows previous loan applications that other lenders have rejected, bad credit applicants are seen by lenders as high-risk, facing more obstacles when applying for a loan. However, you may be approved for a bad credit loan if your current circumstances are good. 
  
  
• Low Doc Loans: If you are a business owner or self-employed, the loan requirements needed may be difficult to obtain or, at times, you may not feel comfortable sharing your financial documents with the bank. Generally, requirements for a car loan in Australia include a Driver's License (if you have one), income, expenses, liabilities, etc. With a low doc car loan, you may not need to provide all of these since some specialised lenders will use other methods to determine your income or financial capability.

Low Rates Boat Loans 

Looking for a new or used boat?  Whether you are buying privately or from a marine dealer, we offer the most competitive marine finance rates for; boat loans, jetski loans, yacht loans and more. 

Buying a new or used boat can be exciting but also stressful. Paying attention to the following four factors will guide you through the process of taking a boat loan:

1. Loan amount: total boat loan figure. 

2. Loan term: If the term of your loan is long, this means your repayments will be smaller. However, as it will take you longer to pay the loan off you will pay more interest. 

3. Interest rate: Pay attention to the interest rate of your boat loan, the smaller is this number, the more affordable your loan is. 

4. Frequency: weekly, fortnightly, or monthly repayments. Choose the option that suits you better. 

Easy Leisure Loans

Thinking to buy a large ticket leisure item? Dreaming with that motorbike, caravan, trailer or RV to take your family or go with your friends to a relaxing getaway? Can't wait to get a boat, yacht or a jet ski to enjoy the Australian beach lifestyle?

Whether you are looking to buy a new or used item, we offer the most comprehensive range of best marine finance and leisure loans, so you not only get approved in minutes, but you also get the best rates. 

Fast Approval Business & Commercial Loans

Looking for finance to grow your business or start a new business venture?

Apply now for a business and commercial loan and manage your cashflow, purchase stock or inventory or borrow for any purpose including property and asset purchase, business growth, refinance and debt consolidation. 

Easy Personal Loans 

Fast & easy finance with secured and unsecured low rate personal loan for just about anything you can think of; holidays, furniture or other household items, weddings, debt consolidation, stamp duty, legal fees, racehorses, sporting goods, elective surgery, vehicles, etc.

Types of personal loans: 

• Secured: The personal loan is secured against an asset you own.
• Unsecured: Lender relies solely on your income flow to repay it.