It's important to understand the different types of finance options available. Below you will find headings of each type of loan with a short explanation of what each finance option means. Click on the one that best suits you to read more about it. Once you have chosen the right car finance, call one of our expert car loan consultants or apply online and get instantly pre-approved.

Individual Car Loan – A secured car loan is where you receive finance and the vehicle is used as security. These types of loans generally have lower interest rates as the lenders have the security of the vehicle in the event of non payment. Read more…

Novated Lease (Salary Packaging) - A Novated Lease arrangement is three-way, between a financier, your employer and you. You choose the vehicle and the finance company ‘novates’ this agreement to your employer. Your employer then assumes responsibility for the monthly lease payments on the car. This is then deducted directly from your gross salary (before tax). This car can be driven for both business and personal use. Read more…

Personal Loan – This is your typical everyday personal loan that a lot of banks offer. Interest rates are usually higher than a traditional car loan as the vehicle is not being used as security. Read more…

Still unsure of which option is best for you? Call one of our expert consultants today on 1300 242 885 and they will walk you through the different options enabling you to make an educated decision. Alternatively enquire online and one of our consultants will call you straight back.

Features and benefits of a Car Loan 4U Car Loan:

• Finance products with NO upfront or NO monthly management fees
• Finance products with NO Payout Penalties
• You can finance on-road costs, car registration fees and insurance in the loan contract
• The term of the loan contract can be between 1 – 5 years (12-60 months)
• You can make a deposit if you wish, the benefit of this is that it will reduce your monthly payments and/or the term of the car loan contract
• Friendly, human, and expert staff on hand whenever you require

Click here to fill in the quick online car finance enquiry form or call us on 1300 242 885 or if you are ready to be pre-approved, click here and get instantly pre-approved online!

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