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There are several options available, including Consumer Fixed Rate Car Loans, Fully Maintained Novated Lease, and Business Use Car Loans or Car Loans for Business.

When it comes to choosing the best option, our advisors can help you select the best car financing option that suits your specific needs and handle the entire process for you.

A Consumer Fixed Rate Car Loan is a common type of loan that provides a fixed interest rate for the entire term of the car loan. This means that your interest rate will not change during the life of the loan, providing you with the ability to budget and plan your finances with certainty.

The loan terms for a Consumer Fixed Rate Car Loan typically range between 2 to 7 years, and repayment schedules can be either monthly or fortnightly, depending on the agreement.

While there are many car finance companies in Perth that offer different car loan options, it is important to choose a car loan that is right for your individual needs and circumstances. Simply selecting a loan based on a low-interest rate may not be the best option in the long run. At our dealership, we offer expert advice and support to help you navigate the car loan market and find the best solution for you.

A fully maintained novated lease is a type of car finance that combines the cost of the car and its running expenses into a single monthly payment. This agreement involves an employer, employee, and finance company, where the employee leases the car from the finance company and the employer takes on the obligations of the lease agreement. The employer then pays the monthly lease payments on behalf of the employee and provides the car as part of their salary package.

The running costs included in the lease payment typically cover servicing, maintenance, tyres, fuel, registration, insurance, accident management, and other tax costs. The lease term is usually three years, and at the end of the term, the equity in the car belongs to the employee. The employee chooses the vehicle, purchases it, and the lease agreement is in their name. As part of the salary package, a portion of the employee's earnings is salary sacrificed in exchange for the car. The lease portion is deducted from pre-tax earnings, and PAYG tax is calculated after the lease portion has been deducted.

A fully maintained novated lease can reduce the employee's income tax and save them GST costs on the purchase of the car and its running expenses. This type of car finance is beneficial for employers as it offers a flexible salary package without extra cost to the business.

If you're interested in a fully maintained novated lease, talk to your employer to see if they offer salary packaging and learn about your options.

Chattel mortgage and commercial hire purchase (CHP) are two types of car loans for businesses of all sizes. These loans are designed to help businesses maximize their tax benefits and claim GST (if registered). Chattel mortgage and CHP loans can be tailored to suit your business's budget, with options to adjust the loan term, deposit, or residual.

As car finance experts in Perth, we have years of experience helping businesses with their car finance needs. We understand the benefits of buying a car through your business and can provide fast approvals without the hassle of dealing with major banks and their extensive financial paperwork. Please note, for advice on your specific circumstances, it's always best to consult with your accountant or tax advisor.