Compare Best Car Loans Rates - Finance Cars
Green Car Loans
Compare the best green car loans at Jade Finance with over 80+ lenders for cheap green vehicle finance. Find affordable rates for electric and hybrid vehicles, including specialized Tesla financing. We offer various credit products for both personal and commercial buyers, with fast approvals and expert guidance. Get started on your eco-friendly journey today.
Commercial Hire Purchase Motor Vehicles
Jade Finance provides Commercial Hire Purchase (CHP) to all types of businesses for the purchase of a wide range of motor vehicles to be used for business purposes. CHP is a widely-used commercial finance product as it suits the many businesses that operate with a cash or accrual accounting system.
Rent to Own Car Finance
As a full service finance broker, Jade Finance offers the full suite of commercial finance facilities for business vehicle purchases, including Rent to Own or Car Rental Finance. Also known as an Operating Lease, this is an ‘off-balance sheet’ commercial finance product where the car does not appear on the borrower’s balance sheet as an asset/liability.
No Deposit Car Finance
If you’re in the market for a personal car loan or business vehicle finance, then your probably don’t want to use your existing cash reserves for the purchase. We understand that completely, which is why Jade Finance offers no deposit car finance across our full range of car loans and motor vehicle finance products, dependent on individual lender requirements.
Car Loan Broker
Jade Finance is an experienced finance broker, providing a comprehensive range of financial solutions for a wide range of personal purchases and business acquisitions. If you’ve never used the services of a finance broker, you’ll appreciate from your first conversation with one of our consultants how much easier it will be to have your car loan requirements handled by Jade.
Sole Trader Car Loans
Our services can be especially beneficial to those working for themselves as their priority is to maximise their chargeable hours. Not spend hours or days trying to find the most suitable, cheapest credit to fund a vehicle purchase. Our professional brokers handle all aspects of the process, allowing our customers to concentrate on their enterprise and obtain the best outcome. If you’re a small, self-employed operator needing the lowest rates and cheapest auto credit – request a quote or make the call and we will assist you.
Commercial Business Car Loans
The interest rate is vital to ensuring the new vehicle is an affordable, cost-effective investment. But comparing rates across the motor vehicle lending...
Car Loan Interest Rates
We have over 80 lenders, including the major banks and non-bank lenders, and the resources and capabilities to quickly find buyers the lender that is right for them and will offer them the best interest rate on their funding. Speak with us even before you finalise your vehicle purchase to find the best rate on your motor vehicle credit.
ABN Car Loans
While ABN loans are individually assessed, we’ve provided this handy comparison tool so you can see how Jade interest rates compare with many others in...
Unlike banks and other lenders we’re not restrained by a limited choice of loan products. As an Aussie finance broker, Jade Finance is accredited with over 40 lenders, giving us access to hundreds of lending products, so we have a much bigger choice to source you the best car finance deal. Greater choice for us equates to a better car loan for you.
Business Car Finance
We know that most business people are busy running their operations and have little time to spend sourcing a range of quotes on business car finance. With...
Best Car Loan Rates
lnterest rates dominate car loan advertising. You’re bombarded with car finance deals from dealers, finance companies and banks based primarily on their interest rate. Well while they’re all battling it out for your business and you’re trying to understand their fine print, Jade Finance has the ability to cut straight to the chase with the commitment to offer you the best car loan interest rates.
Personal Car Loans
For individual buying a car for personal use, a Personal Secured Car Loan is the most popular option. It suits most people, most cars, is straight-forward and includes Jade’s cheap interest rates.
Jade Finance offers a comprehensive selection of commercial finance facilities to businesses purchasing motor vehicles primarily for business use. Car Leasing is an off-balance sheet finance product where the lender purchases the vehicles, leases it back to your business and as such the asset appears on their balance sheet not yours.
Car Loans With Bad Credit
If you have credit issues and concerned you may not be able to get a car loan. Or you’ve already been rejected for a car loan by a bank or lender. It doesn’t mean the end of your options. Jade Finance has a proven record of securing great car loan offers for individuals and businesses with bad credit.
Novated Car Leasing – Salary Sacrifice
Jade Finance arranges Novated Car Leasing with Salary Sacrificing for businesses that choose to provide a car for an employee for use in their work and both employer and employee agree to deduct the costs associated with the vehicle from the employee’s salary package.
Discover the Best Tesla Car Loan Rates at Jade.Finance. We offer competitive rates and flexible financing options for Tesla models, making luxury electric vehicles more attainable. Whether you’re a private buyer or a commercial operator, our network of 80+ lenders ensures the lowest interest rates tailored to your profile. With options for the Model 3, Model Y, and the coveted Model S, we provide pre-approved financing for prompt delivery. With over 25 years of experience, we excel at securing lower rates, ensuring a seamless process from application to ownership. Contact us today to turn your electric vehicle dreams into reality.
Chattel Car Mortgage
Jade Finance provides tailored Chattel Car Mortgage, at the cheapest interest rates, for the purchase of motor vehicles for business use. Chattel Mortgage is one of our most popular commercial finance products as many Australian businesses implement a cash accounting method – small owner-operators, SMEs and large corporations.
General Car Loans FAQ's
In general, finance is provided for all types of cars. Exceptions may arise with say vintage and collectable cars, racing cars and other such categories. But for the majority of commonly purchased cars for most applicants, Jade can source you a cheap car loan. The categories of cars we finance include all types of passenger cars such as sedans, SUVs, hatches, convertibles, sports cars, wagons, multiple people vehicles, electric vehicles, hybrids, diesel and petrol powered. In the business vehicle category, we finance all leading brands of utes, SUVs, cab chassis, light commercial vehicles, vans and small work vehicles which don’t come under our truck finance sector. Small and large cars can be financed, there are no general restrictions in that regard. Individual lenders may vary loan offers for new versus used cars.
Yes. Finance is available for both personal car loans and business vehicle finance for new and used vehicles. Used vehicles may include: passenger cars, sedans, hatch backs, convertibles, utes, SUVs, 4WDs, wagons, MPVs, light commercial vans, cab chassis utes and many other types of vehicles. In all cases, loans on used cars are subject to individual lender requirements. The age and condition of a used vehicle is taken into consideration by our lenders when assessing an application and working out the offer they will make on a loan to the applicant. In some cases, a lender may request a deposit be paid in order to reduce the overall loan amount if they consider the value of the motor vehicle relative to the loan amount being requested does not meet their criteria.
Not necessarily but maybe. There is a difference between any deposit that the car seller or dealer may ask you to pay and a deposit that the lender may request. When you commit to a car purchase and sign a contract with say a car dealer, they usually ask you to pay some amount on the spot to confirm the deal. The exact amount requested will vary. This is usually referred to as a holding deposit and can be refunded back to the buyer if their car loan finance company pays the 100% purchase price of the vehicle. Lenders only usually request a deposit to be paid when the applicant or the vehicle being purchased does not meet their guidelines. No deposit vehicle loans can be sourced. That means you request a loan for 100% of the purchase price of the car including all dealer delivery etc charges. In many cases, especially with new vehicles and for business applicants, this is generally achievable. With Low Docs and No Docs business vehicle loans, personal loans with low credit profile and with Unsecured Personal Loans, the lender will often request a deposit be paid to lower the loan amount being requested. It may also be requested in some cases with some used cars, depending on age and condition.
In order to qualify for business vehicle finance, the business must meet the criteria for a business loan and the vehicle being purchased must be primarily for use in that business. If a vehicle is being purchased by an individual primarily for their own personal use, then a personal car loan would be the applicable loan type. The structure of business and personal car loans are essentially similar in that the lender uses the vehicle, in some aspect, as security against the loan and the borrower repays the loan in monthly instalments for a fixed number of years, known as the loan term. Business loans differ in that they do have the option for a balloon or residual. This is a portion of the price of the car which is set aside from the repayments to be paid as a lump sum at the end of the loan term. There are a number of business car finance products which have varying features and benefits in regard to tax and accounting methods. In order to qualify for business finance, an applicant must have a current ABN and some level of financial documentation in regard to their business set-up.
Yes, it is possible, but other financial documentation is also required. A current ABN and ID is the minimum requirements for business car loans. From that minimum level of requirements, the more financial information about your business that you provide and the better the quality of that information in regard to your credit profile, the more favourable the interest rate and loan conditions you can expect to be offered. Being registered for GST and having BAS statements is highly preferred. For businesses with little or no documentation, a specialist service to source Low Docs, No Docs and ABN only car finance is available. This type of finance is usually not offered by the major banks but non-bank lenders are more favourable to offering finance to this type of business.
There are a number of ways to start the car application process. You can either apply online or over the phone. Licensed credit providers with ASIC must adhere to the Responsible Lending Guidelines in relation to consumer credit and a set process is laid out to follow. You will need a range of documents to complete your application. These vary according to the type of car loan – personal or business – that you are applying for. For a personal car loan you will need ID, employment status and history record, proof of income such as payslips, a list of your income and expenses each week/month, details of any assets, details of any debts such as credit cards and other loans. For business vehicle finance, you will need a current ABN, ID and financial details around your business activities. The quantity and quality of the financial documents provided will determine if you meet the criteria for a fully documented (standard) loan or you require a Low Docs or No Docs loan.
Car loans and driver licences are separate issues and not connected except that a driver licence can be used as one form of ID in applying for a car loan. Driving licences come under state regulations and the age for getting a licence may vary across the jurisdictions. In most states and territories a person can get a driver licence under the age of 18. Under the Consumer Credit Laws in Australia, you must be over 18 in order to apply for and be offered a consumer loan. So just because you have a driver licence doesn’t mean you can apply for a vehicle loan. On the reverse, you don’t need to have a driving licence in order to apply for a car loan. Someone without a driving licence can be offered a car loan for a car which is obviously to be driven by another person.