Finance with St.George

St.George

We wouldn’t choose a car for you, so why should we tell you which finance plan to choose? We have a range of finance options for you to choose from that suit your needs.

Talk with our Finance and Insurance consultant at Honeycombes Ayr for a competitive quote on financing your new Holden or Mazda.

Motor Vehicle Loan
Is the vehicle mostly for personal use? Do you want to eventually own it outright? Then this may be your best option. Loans start at $5,000; terms from 1 to 7 years.

One of the 5 features below may suit you, or call us and we can talk you through the features and benefits.

  • Flexible: loan terms of between 1 – 7 years, depending on your needs and the age of the asset you want to purchase.
  • Safe: loan may include loan protection that will cover repayments in case of unemployment, disability and death. We also offer shortfall protection and comprehensive motor vehicle insurance.
  • Personalised: either fortnightly or monthly repayments.
  • Convenient: repayments can be made via direct debit or BPAY.
  • Fast approval.
  • First month repayment not due until a month after contract settles.
  • Repayments fixed for the term of the contract.
  • Interest calculated daily on current balance.
  • Lower interest than standard unsecured personal loan.
  • Interest is calculated from the settlement date of the fixed rate loan.  Finance is offered by St.George Bank – A division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. Finance available to approved applicants only.  Credit criteria, fees and charges apply.

Vehicle Novated Lease
Need to use a car for your work? Want to be able to choose the car and take it with you if you leave the job? Then a Novated Lease may be for you.

This loan is designed primarily for people who wish to choose their own company car then salary-sacrifice the monthly loan repayments – which may offer tax advantages. Novated Leases are typically three-party arrangements: the employee chooses the vehicle; St George buys the vehicle; the employer pays St George the monthly rental payments out of your pre-tax salary dollars.

Features

  • Flexible: payments are negotiated in your salary package and are organised by employers.
  • Economical: payments are made from your pre-tax salary.
  • Portable: you can take your car with you when moving between employers.
  • Extensive: loans start from as low as $5,000.
  • Comprehensive: 100% finance.
  • Convenient: repayments can be made via direct debit or BPAY.
  • You can choose your own vehicle.
  • Fast approval.
  • Novated leases are easy to transfer to a new employer.
  • Fixed repayments mean it’s simple to budget.
  • Potential FBT and income tax benefits.
  • Finance is offered by St.George Bank – A division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. Finance available to approved applicants only.  Credit criteria, fees and charges apply.

Vehicle Asset Purchase
Need a car for business? Want flexible payments so that you can own the vehicle? Asset Purchase (sometimes called Hire Purchase or Term Purchase) might be for you.

The main difference between Asset Purchase and leasing is that you are gaining equity in the vehicle with each rental payment. At the end of the rental term you’ll have 100% ownership. So if you use your car for business and want flexible payments to suit your cash flow, then Asset Purchase could be the best option for you.

In most cases you can choose to either finance the whole purchase or pay a deposit up front. You can also choose to include balloon payments up to any amount at any time during the rental period, so you can own the car sooner. Asset Purchase is sometimes referred to as Hire Purchase or Term Purchase.

Features

  • Flexible: terms of between 1 – 5 years with an option of a balloon repayment at end of contract to allow repayments to suit your budget.
  • Extensive: loans start from as low as $5,000.
  • Personalised: repayments are fixed for term of contract and can be structured to suit you.
  • Comprehensive: 100% finance or with an optional deposit / trade.
  • Convenient: repayments can be made via direct debit and BPAY.
  • Fast approval.
  • This product may offer tax advantages. Speak to your accountant for further information.
  • Structure repayments to suit seasonal cash flow.
  • Repayments fixed for the term of contract which means you can easily budget your monthly expenditure.
  • Finance is offered by St.George Bank – A division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. Finance available to approved applicants only.  Credit criteria, fees and charges apply.

Terms and conditions apply.

Vehicle Finance Lease
Use a car for your business? Want lower monthly payments AND the option to upgrade your car at the end of the term? Then this is a plan that might suit you.

People who clock up a lot of kilometres, or who need the latest and best models, often choose this plan. It’s useful if you drive for business and want lower monthly repayments plus the option to upgrade your car at the end of the loan.

Features

  • Flexible: terms between 1 – 5 years with a residual value at the end of the contract so you can make repayments to suit your budget.
  • Extensive: plans start from as low as $5,000.
  • Personalised: repayments are fixed for term of contract and can be structured to suit you.
  • Comprehensive: 100% finance.
  • Convenient: repayments can be made via direct debit and BPAY.
  • Fast approval.
  • This product may offer tax advantages. Rental payments are generally fully tax deductible, speak to your accountant for further information.
  • Seasonal cash flow issues can be structured into repayments.
  • Easy to budget because repayments can be fixed for the term of contract.
  • Finance is offered by St.George Bank – A division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. Finance available to approved applicants only.  Credit criteria, fees and charges apply.

Vehicle Chattel Mortgage
Need a car for business? Want flexible payments? Would you like ownership the vehicle now, rather than after it’s paid off? Chattel Mortgage might be for you.

The main difference between Motor Vehicle Chattel Mortgage and Asset Purchase or leasing is that you have 100% ownership from day 1 rather than gaining equity in the vehicle with each rental payment and not owning the asset till the loan is paid off. This product may be of benefit to business customers who utilise a cash accounting system (we recommend you speak with your accountant for further advice). So if you use your car for business and want flexible payments to suit your cash flow, would like immediate ownership of the asset and the option of claiming back the full input tax credit then Motor Vehicle Chattel Mortgage could be the best option for you.

In most cases you can choose to either finance the whole purchase or pay a deposit up front. You can also choose to include balloon payments up to any amount at any time during the rental period, so you can own the car sooner.

Features

  • Flexible: terms of between 1 – 5 years with an option of a balloon repayment at end of contract to allow repayments to suit your budget.
  • Extensive: loans start from as low as $5,000.
  • Personalised: repayments are fixed for term of contract and can be structured to suit you.
  • Comprehensive: 100% finance or with an optional deposit / trade.
  • Convenient: repayments can be made via direct debit and BPAY.
  • Fast approval.
  • This product may offer tax advantages. Speak to your accountant for further information.
  • Structure repayments to suit seasonal cash flow.
  • Repayments fixed for the term of contract which means you can easily budget your monthly expenditure.
  • Finance is offered by St.George Bank – A division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. Finance available to approved applicants only.  Credit criteria, fees and charges apply.

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