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Have you been thinking about buying a new car? Whether your searching for your first car, updating the family SUV, need to add another vehicle to your business or buying a classic; Whatever your reasons are, you’ll likely need car finance for your investment. iCREDIT have been helping Australian’s find low cost car finance for over 12 years through our panel of banks and car finance companies. Your dedicated finance specialist can help you with car loan comparisons to find a solution suitable to your budget and needs.
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Car Finance Options Available
Secured Car Loans
Secured car loans offer the most competitive interest rates with loan terms ranging from 1 – 7 years. Secured car loans are available for new and used cars, for dealer sale, private and auction purchases. The vehicle is used as security for the loan which lowers the overall loan risk to the bank. The benefit is lower interest rates for the borrower.
Unsecured Car Loans
Unsecured car loans offer flexibility with loan terms ranging from 1 – 7 years. Unsecured car loans can also be known as personal loans and can be used to purchase older model vehicles or if you want the flexibility to sell your vehicle without having to pay out the loan contract.
These loans may have higher interest rates.
Business Car Loans
Business car loans are used predominately for commercial use and can offer taxation benefits of claiming against GST, repayments or loan interest. Loan terms can range from 1 – 7 years with balloon or structured repayments options. These loans offer flexible repayment terms to suit the business structure or cash flow.
Novated Leasing is available if your employer offers a car allowance or salary packaging deduction. Repayments for Novated Leasing are paid by your employer directly to the bank under an agreement from your pre-tax salary. This can reduce your taxable income.
Stand alone or fully novated lease available.
We Offer Comprehensive Financing Solutions
We’re 100% online, so no need to book an appointment.
We’ll find out exactly what your car finance requirements and needs are, whether it be for personal of business use. We’ll discuss the various options available on car finance and what avenues are available to you. We can also assist you with finding your car through our vehicle search facility which may help you gain further discounts.
Your car finance consultant will spend as much time as you need to ensure you understand each car financing option you qualify for so that you can choose the one that is best suited for you.
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Why Choose Us?
Choosing vehicle finance is not as daunting as it could be when you have iCREDIT in your corner. Whatever your requirements and whatever your financial situation, we’re on your side. We’re backed by national buying power, which means that we’re in the best position possible to negotiate better, more affordable finance rates for you. Going through us is simpler, more affordable and more rewarding than going to banks directly for financing.
Whether you’re buying a new or used car, have your eye on a classic or import vehicle or just need someone to give you a go with second chance car finance; Make the smart choice by talking to one of our dedicated finance consultants today and you’ll be well on your way to securing the car of your dreams. We do all the heavy lifting for you, as at iCREDIT, we’re your one-stop vehicle financing solution.
We’ve helped thousands of Australians find their loan
Protect Your Investment
We offer a range of optional insurance covers to provide protection for you and your vehicle.
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iCREDIT Car Finance available throughout the Gold Coast, Palm Beach, Burleigh Heads, Tweed Heads, Brisbane, Ipswich, Sunshine Coast, and Queensland Today!
*Finance subject to approval, including the application of applicable lending criteria. Terms and Conditions apply. Fees and Charges are payable. Credit assistance provided by iCREDIT Australian credit licence 499023. ^Comparison rate for Secured Loan is calculated on a loan amount of $30,000 secured over a term of 5 years based on monthly repayments. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. **. Interest Rate: 5.49% Comparison Rate: 6.71%
* You should however take into consideration that an online car loan calculator is to be used as a Guide Only and may not include all fees and charges. Every effort has been made to ensure the accuracy of the calculator, however use and results are at your own risk. Banks and vehicle financiers will base their final decision on the vehicle age, the amount borrowed and the overall profile of the customer. When using an online car loan calculator include the following as these are generally not shown in the monthly repayments. Lender Establishment Fees, Origination Fees, Personal Property Security Register Fees, any ongoing fees. To obtain more accurate repayments based on your profile, the age of the vehicle and loan amount please call 1300 350 118 for an obligation free quote.