With a panel of lenders to choose from, the friendly staff at click4finance.com.au can help you select the most appropriate type of finance, provide you with competitive rates and the most suitable finance package to match your needs, be it personal or business.

A Consumer Loan is also known as a Car Loan or Secured Car Loan. This type of finance is best suited for Individuals wishing to purchase a later model car. The client takes ownership of the vehicle at the time of purchase, and the financier takes an ‘interest’ in the vehicle as security for the loan, which is lifted once the final payment is made.

A Finance Lease or Car Lease The financier purchases the vehicle on behalf of the customer, who then leases the vehicle back from the financier, paying a fixed monthly lease rental for the term of the lease. As you would when you are renting a house.

A Novated Lease is most appropriate for any employee who wants to include or has been offered a motor vehicle as part of their salary package.
A Novated Lease is a three way agreement between an Employer, Employee and the Financier, whereby the employee enters into a Finance Lease with the Financier and the Employer agrees to take on the Employee's obligations under the lease, such as making the monthly repayments.

A Chattel Mortgage is most appropriate for businesses that account for their operations on a cash basis. A Chattel Mortgage operates in a similar way to a hire purchase agreement in that, the client makes a series of monthly payments, then a final balloon / residual payment at the end of the term.

A Commercial Hire Purchase, the Financier allows the client the right to possess and use a vehicle in return for regular payments. In other words, the client has use of the vehicle for the term of the contract but is not the owner of the vehicle. A balloon / residual payment is optional with a hire purchase agreement. When the final payment is made, ownership is transferred to the client.

An Operating Lease is suitable for businesses that have high useage of their vehicles and require consistent turnover of their vehicles. Companies with staff representatives or delivery vehicles that are constantly on the road.
The Financier retains ownership of the vehicle and provides the customer with exclusive use of the vehicle for one to five years in return for lease rental payments – like a long-term hire car.

With an Asset Lease the Financier purchases the equipment, retaining ownership of the asset, whilst the client pays the Financier a fixed monthly lease rental for the term of the lease.

Equipment Rental is simply an agreement between a Client and Financier where the Financier purchases the equipment and rents it back to the Client over a fixed period. Once the final payment is made, ownership is transferred to the client.