Motor Vehicle Finance Services Australia

With a variety of flexible options, our services cater to a wide range of needs, whether you’re buying your first car, upgrading to a newer model, or expanding your fleet.

We offer a range of vehicle finance options to suit different needs, whether for personal or business use. Car loans are popular for private buyers, allowing fixed or variable interest rates with flexible repayment terms. Businesses often opt for chattel mortgages, novated leases, or hire purchases, which provide tax benefits and tailored payment structures.

Lenders include banks, credit unions, and specialized financiers, offering competitive rates and fast approvals. Online tools make comparing and applying for finance convenient. Before choosing a loan, it’s important to assess costs, terms, and eligibility to find the best option for your budget and goals.

Types of Vehicle Finance Options in Australia

We offer diverse vehicle finance options to cater to individuals and businesses with varying needs.

Car Loans

Car loans are a popular choice for private buyers. These loans can be secured, where the car acts as collateral, or unsecured. Borrowers can choose fixed or variable interest rates, with repayment terms typically ranging from 1 to 7 years.

Chattel Mortgage

Ideal for businesses, a chattel mortgage allows the vehicle to be purchased upfront while the loan is repaid over time. Businesses gain ownership immediately and can often claim tax benefits like GST input tax credits and depreciation deductions.

Novated Lease

Common among salaried employees, this involves an agreement between the employee, employer, and lender. Payments are made from the employee’s pre-tax income, reducing taxable income while covering the lease cost.

Hire Purchase

Businesses can acquire a vehicle through a hire purchase agreement, where they pay in installments and gain ownership at the end of the term.
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1800 833 663
enquiries@IBfin.com.au
Head Office
5.16/ 5 Celebration Drive, Bella Vista NSW 2153
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