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Car Loans and Leasing

If you are looking for hassle-free vehicle financing, Luxe Financial can help.

We specialise in car loans and vehicle finance for individuals and businesses in Sydney, the Central Coast, Wollongong, Illawarra, and the rest of the South Coast region. With low rates and a wide range of lenders, we can secure the right car loan for your personal or business use.

Business Car Loans

If you are a company, sole trader, or partnership who needs business car finance in Wollongong, the Illawarra and Central Coast, Luxe Financial has a range of options for you. We tailor solutions based on your needs, business structure, tax considerations, and cash-flow requirements. Below are some of your business car finance options:

Car Lease – A car lease allows your business to use a car or a commercial vehicle, without actual ownership of the vehicle.
Commercial Hire Purchase (CHP) – Also called Hire Purchase, Offer to Hire, or Corporate Hire Purchase, this type of car financing allows you to hire the vehicle for a fixed monthly repayment within a set period of time.
Chattel Mortgage – A chattel mortgage allows you to have the ownership of the vehicle at the time of purchase. The lender gives you funds to purchase the vehicle, which you can repay on flexible terms with interest.
Novated Lease – A Novated lease is a way of ‘salary packaging’ a car. Your employees can lease a car and you agree to take responsibility for the monthly lease rentals, which can be automatically deducted from the employee’s pre-tax income.
Fully Maintained Novated Lease – Unlike the regular novated lease, which only takes care of the lease rentals, the fully maintained novated lease also covers the operating costs associated with the car.

If you are having a hard time picking the right option for your business, Luxe Financial is your trusted car finance broker in Wollongong, the Illawarra. and Central Coast. Call us today to find out more about the tax implications of car financing and learn about the options that are most suitable for you.

Personal Car Loan

A personal car loan allows you to purchase and own a vehicle through a lender or financier. As the customer, the lender advances you funds to purchase a car of your choice. You take ownership of the car at the time of purchase, while the lender charges you interest as a security for the loan. As soon as you finish the contract term, the lender will lift their interest in the car and give you a clear title. Contract terms range from 12 to 84 months.

If you are interested in getting a car loan, Luxe Financial can help you! Talk to us so we can assess your options based on your needs and financial position.

We can also arrange finance for your new boat or motorcycle!