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      Car Loan Options


Loan Angel can provide you as an individual, or your business, with a vast range of car loan options…one of which is sure to suit you perfectly. The most suitable car loans or finance solution may not be one that you have thought of or even been offered before by other car loan brokers or lenders. We are specialists in adapting the best and most appropriate car loan structures and pricing to suit your specific needs. We can facilitate other finance assistance such as:

  • Car Lease
  • Chattel Mortgage
  • Equipment Finance and Yellow Goods Finance
  • Hire Purchase
  • Low Doc Loans
  • Novated Leasing
  • Truck Loans

You and your business are unique, and so are all of your lending needs… At loan Angel, we understand that all loan applications are not equal , from car loans to truck loan and any category of loan in between we know that requirements may differ, therefore you need an expert Loan Angel to show you what is best for you. Call us today. We will take the time to discuss your needs and design the optimal car loan and finance solutions available to you.

Car Leasing

A car lease is a method of obtaining a new or used car that involves only paying for a portion of the car’s actual cost as opposed to having to pay for the car in its entirety. So when you lease a new car you are only paying for the portion of the car you are using over the number of years in your lease agreement. Under a Lease agreement, the lender retains ownership of the vehicle for the term of the agreement. At the end of the term the lessee (You) has an option to purchase the vehicle or trade it in. A residual balloon (balance payment) agreement can be made at the commencement of the lease to lower scheduled regular repayment amounts during the lease term. Loan Angel got your car loans covered when thinking of car leasing. Please contact us to discuss your individual circumstances so that we can advise you accordingly and present your best options to you.

Chattel Mortgage Finance

A Chattel Mortgage is a commercial car loan or car finance product. Both, you as an individual, or your business, may be eligible for a Chattel Mortgage, as long as the car is used predominantly for business purposes (income producing). Under a Chattel Mortgage you take ownership of the vehicle and the lender takes out a “mortgage” over it. You then make your regular payments for the term of the car loan. A residual (balloon) payment is made at the completion of the car loan term and you take clear title over the vehicle. Another option is that you can trade-in the vehicle or possibly re-finance the residual value. GST and stamp duty are paid up-front and your car loan repayments can have tax benefits. Consultation with your accountant is recommended here. Our brokers are the best in the car loan industry. Please contact us to discuss your individual circumstances so that we can advise you accordingly and present your best options to you.

Equipment Finance & Yellow Goods Financing

Yellow goods are usually large, expensive items which will last a long time. Consumers normally will only buy yellow goods a few times in their lives. Some examples include large appliances like stoves and refrigerators, which presumably will not be replaced for years and possibly decades. Whether the equipment is large or small, low-cost or expensive, unique or readily available, Loan Angel has a range of finance solutions to suit your individual needs. Loan Angel is licensed to provide equipment finance from the lower end of the pricing scale up to the higher end, larger items. We have avenues that will also consider very specialized equipment. Please contact us to discuss your individual circumstances so that we can advise you accordingly and present your best options to you.

Hire Purchase

You or your business may enter into a hire purchase agreement to pay for and use goods over a period of time, rather than paying the full cost up front. This can be very advantages for your day to day cash flow and budgeting. Under a hire purchase agreement your lender will retain ownership of the car, equipment or goods, until your final payment is made. The agreement is put in place over an agreed period with an agreed periodic repayment with ownership being transferred at maturity of the agreement. Please contact us to discuss your individual circumstances so that we can advise you accordingly and present your best options to you.

A Low Doc Loan

(refers to low documentation supplied with your loan application) is a loan aimed at those who cannot provide the usual required paperwork such as tax returns and financial statements when applying for their loan. This includes self-employed borrowers or investors without a regular PAYG income. A low doc loan allows you as a self-employed person to declare your own income. We can obtain market leading rates with no financials if you have had an ABN for 2 years and can evidence property ownership.

There are also other options available for those who do not have ownership of any property and those who have had a shorter ABN period. Please contact us to discuss your individual circumstances so that we can advise you accordingly and present your best options to you.

Novated Leasing

A Novated lease is a three way agreement between you, your employer and your lender whereby you can lease a vehicle using your pre-taxable income. This therefore provides tax savings and a higher disposable income each month. As an added bonus your running costs (fuel, maintenance etc) can be included in the lease agreement payments, further increasing your take home pay. A single, fortnightly payment covers everything.

Other benefits include, unrestricted vehicle usage – including both private and business use, you do not pay gst on the vehicle, and do not require a deposit up-front. You may also upgrade your vehicle whenever you choose to, as you are not locked in to a set pre-agreed timeframe. Please contact us to discuss your individual circumstances so that we can advise you accordingly and present your best options to you.

THE DIFFERENCE IN LOAN ANGEL CAR LOANS

A car loan in Australia is tailored for customers with an impaired credit rating. Loan Angel specializes in helping people to get back on track with their finances no matter what their past credit ratings may be. Loan Angel car loans anywhere in Australia, can allow for a loan of up to 150% of the car value, which can help pay for dealer delivery, purchase costs and warranty

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