While the thought of buying a new car is exciting, the reality is often very different. Trekking from dealership to dealership, haggling over features and pricing, and trying to avoid the “hard sell” can be time-consuming and stressful. Simply let us know what you’re looking for… and we’ll take care of the rest. Here is how it works.
You can be as specific or as general as you like. You may already know what you want and it can be as simple as telling us the make and model, what extras and features you want.
We will negotiate a great deal from a network of 500 dealers, and can arrange a test drive.
As part of our service, we will also present some finance options for you.
Once the loan is approved, we will finalise everything for you and arrange delivery of the car.
Once you've decided what car you want, the next step is to consider how you are going to pay for it. If cash is out of the question, then you have several finance options you can consider:-
A finance lease enables the customer to have the use of a car or commercial vehicle and the benefits of ownership, while the financier retains actual ownership of the vehicle. With a car lease, the lender purchases the vehicle and then leases it back to the customer in return for monthly rental payments. When the lease ends, the customer has the option pay a residual value on the lease and take ownership of the car, or take a trade or continue to lease the vehicle. Learn More
A novated lease is a three way agreement between you, your employer and Express Fund that enables you to utlilise your income before it is taxed and retain more cash in hand on payday. A novated lease bundles all the running costs such as registration, insurance, maintenance, fuel etc. into one simple (pre-tax) payment and is one of the most cost effective ways to buy and own a car. As long as you are a full time, permanent employee you could be eligible. Learn More
Under a Chattel Mortgage, the financier funds the purchase a vehicle, and the customer takes ownership of the vehicle (chattel) at the time of purchase. The financier then takes a "mortgage" over the vehicle as security for the loan. If you are self employed and planning to use your car primarily for business, then a Chattel Mortgage is a good option. It is a fixed-interest loan that presents a tax advantage (loan repayments do not require simultaneous payment of the GST). Learn More