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Capital Finance

Founded in 1995, Capital Finance Australia is Australia’s fastest growing finance company, offering financial assistance to companies and individuals who wish to purchase cars, motorbikes, trucks and all manner of commercial equipment.

Their range of clients is impressive having provided financial assistance to enormous clients such as governments, multinational companies and big businesses, to small private enterprise and individuals.

Capital Finance Car Loans

Capital Finance is one of Australia’s leading car loan providers for individuals and businesses. They offer a number a number of loan options across these groups, including a number of personalised options.

Capital Finance Personal Car Loan

For individual car loans, Capital Finance offer a number of appealing options:

  • Fixed rates so you know what your repayments will be
  • Flexible loan length options
  • A quick and simple application process
  • Personal secured car loan, novated lease, finance lease, rental/operating lease, and chattel mortgage options.

They also offer finance packages for a wide range of other vehicle types including four-wheel drives, mini-vans, utes, caravans, motorbikes and boats. No matter what sort of vehicle you require, as an individual or business, Capital Finance can offer a loan package to suit.

Capital Finance Business Car Loan

Capital Finance is able to offer financial assistance for your businesses regardless of size. Therefore if you want to buy one car, a fleet of cars or other heavy commercial vehicles, Capital Finance loans are a good option. They also:

  • Have partnerships with dealerships and commercial suppliers around Australia to ensure you get the best deal.
  • Flexible terms such as matching annual cash flow fluctuations and projections. This is especially helpful for small businesses.
  • Loan options include chattel mortgage, term purchase, finance lease and rental/operating lease.

Capital Finance Personal Secured Vehicle Loan

Capital Finance personal secured vehicle loans are the most popular product for individuals who wish to own a car for their personal use. Capital Finance offer:

  • Fast approvals, usually within 24 hours.
  • Flexible loan terms between 12 months to seven years.
  • 100% finance available to approved customers, including on-road costs and other fees.
  • Fixed rates so your repayments are the same every fortnight, month, year or other agreed periodical payment structure.

Capital Finance Novated Lease

Novated vehicle leases are an agreement between you, your employer and Capital Finance. It’s purpose is for you to buy a car for work purposes, with payments made from your pre-tax salary. You tell Capital Finance what car you want, they buy it, and your employer makes the repayments on your behalf. Should you change employers before the end of the loan agreement, you just pass the arrangement onto your new employer.

There are a number of benefits to purchasing car this way:

  • Periodical repayment options are flexible, and your employer takes care of the paperwork.
  • You pay from your pre-tax salary, so you pay less tax from the remaining salary.
  • Loan amounts are flexible and you can borrow 100% of the finance, so you don’t need a deposit.
  • Repayment terms are fixed so you always know how much your repayments are.

Capital Finance Australia

Capital Finance Australia has several car loan options for both individuals and companies, and the benefits are clear. However, there are several terms you should be aware of in order to get your loan approved:

  • They tend to only approve loans when vehicles are purchased from franchised dealerships such as Holden, Toyota, Mitsubishi, etc., or non-franchise dealerships that have a relationship with Capital Finance Australia. They are unlikely to approve car loan applications when the car is being purchased from private sale, auctions or non-franchise dealerships unknown to Capital Finance Australia.
  • Generally cars must be less than five years old.
  • Capital Finance Australia calculate interest rates based on the age of the vehicle, and not the risk profile of the borrower. This often leads to lower interest rates.
  • Previous employment history is looked upon differently to most lenders, where Capital Finance will take into account other factors when approving a loan, and not just how long someone has been with their current employer. This means those who haven’t been in their job for long, but can demonstrate a long history in that particular industry, won’t be penalised when assessed for approval.

Car loans are a core element of Capital Finance, and they have an in-depth understanding of the Australian car market and industry. They have excellent relationships with car dealerships and finance brokers, ensuring the borrowing and purchasing process runs as efficiently as possible in the best interest of all stakeholders.

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