Discover Our Range

Finance & Insurance

Whether you're looking for a car that suits life or work, we're here to make financing your vehicle quick, simple and easy.

But it's not about money. To us, a new car is the start of a journey with turns and twists. That's why we're with you every step of the way- from choosing the most suitable loan now, to helping you update if your needs change in the future.

We believe that anything is possible and we're here to help you do it.

Finance options that fit you

Personal
Business

Finance that suits you and your lifestyle.

If you're looking for a new car that's mostly for personal use, we've got you covered. With two different loan options to choose from, you can find a finance option that suits you and your lifestyle.

Fixed rate loan

With load terms of up to 7 years and flexible payment options, our Fixed Rate loans can be tailored to suit your needs.

Key Features:

  • Loan term of up to 7 years
  • Flexible payment plans - choose weekly, fortnightly or monthly payments.
  • Varied loan structures available which may suit you
  • Built on-road costs and insurance into your loan

Novated Lease

If your employer agrees, you can take out a finance lease and then 'novate' it to your employer. This mean they take on the financial responsibility for deducting the lease from your salary while you're employed with them. If you leave you job, you then take back responsibility for the repayments.

It's a type of salary package that may help reduce your overall taxable income and save you money in the long-term.

Key Features:

  • Fixed monthly payments - repayment plans are deducted from your regular salary
  • Enjoy the security of a fixed interest rate for the life of the loan
  • Varied loan structures available to suit your needs
  • No deposit required, finance 100% of the vehicle value
  • Predetermined balloon payment1

Finance that helps you get on with business.

If you need a new car to help with work, we've got you covered. With three different loan options to choose from, you can find a finance option that suits you and your business.

Goods Loan2

A Goods Loan is a finance option that can be claimed against your business' tax. With immediate vehicle ownership and the ability to build on-road costs and insurance into your loan it's a great way to get your business going as quickly as possible.

Key Features:

  • Immediate vehicle ownership2
  • Enjoy the security of a fixed interest rate for the life of the loan
  • Loan terms from 1-5 years - whatever suits you
  • Balloon payments available1
  • Build on-road coats and insurance into your loan

Commercial Hire Purchase

Another convenient form of business finance is a Commercial Hire Purchase. This means that you hire your vehicle over a set loan term. At the end of the loan term, you then have the option to take ownership of the vehicle.

Key Features:

  • GST isn't charged on your monthly rental or residual payments3
  • Enjoy the security of a fixed interest rate for the life of the loan
  • Loan terms from 1-5 years - whatever suits you
  • Balloon payments available1
  • Build on-road costs and insurance into your loan

Finance Lease

A Finance Lease allow you to rent your vehicle over the lease term. You have full use of the vehicle during this period, and the product comes with a predetermined residual value.

Key Features:

  • Retain your business capital with the ability to finance 100% of the vehicle
  • GST on rental may be either wholly or partly recoverable3
  • Enjoy the security of a fixed interest rate for the life of the loan
  • Loan terms from 1-5 years - whatever suits you

1. A balloon payment in a lump sum of money, additional to your monthly repayments, that is due at the end of the loan term. You should ensure that this payment meets your needs and that you have a plan to fund the payment. 2. Subject to finance provider or lender's security interest. 3. Holden Financial Services are not providers or taxation advise. Please speak to an independent advisor for any tax-related queries.

Holden Financial Services is a registered trademark of General Motors LLC and is used under sub-license by St. George Bank - A Division of Westpac Corporation ABN 33 00 457 141, AFSL and Australian credit license 233714.