Tailored Car Finance Solutions

Ideal for individual buyers, a secured car loan offers competitive interest rates with the vehicle itself serving as security for the loan. This option typically allows for lower rates and flexible repayment terms, making it a popular choice for those purchasing new or used vehicles.

For those who prefer not to use their vehicle as collateral or are buying an older vehicle that may not qualify for a secured loan, our unsecured personal loans provide a flexible alternative. Though the interest rates might be slightly higher, this option offers freedom and flexibility in vehicle choice.

A tax-effective car financing option for employees, a novated lease involves a three-way agreement between the employee, employer, and financier. The lease payments are made from the employee's pre-tax income, potentially offering tax benefits while allowing employees to drive the vehicle of their choice.

 Tailored for businesses, a chattel mortgage involves the business purchasing the vehicle while the financier secures the loan against the vehicle. This option offers potential tax advantages, such as claiming the GST on the vehicle's purchase price and interest charges on the repayments.

Suitable for businesses, CHP allows a business to hire a vehicle from the financier for a fixed monthly repayment over a set period. At the end of the term, after all, repayments and the final purchase price instalment have been made, ownership of the vehicle transfers to the business.

A finance lease is another business-focused option where the financier purchases the vehicle and leases it back to the business for a fixed monthly lease payment. At the end of the lease term, the business has the option to purchase the vehicle, trade it in, or extend the lease.

Perfect for businesses that prefer not to have their vehicles on the balance sheet, an operating lease or fleet leasing provides the use of the vehicle or fleet without the risks associated with ownership, such as depreciation. At the end of the lease term, the business can simply return the vehicles, avoiding the hassle of resale.

Understanding the importance of safeguarding your investment and financial well-being, Seeking Finance offers an extensive range of loan protection and insurance options tailored to your car finance needs. Our comprehensive coverage ensures that in the event of unforeseen circumstances such as accidents, theft, or loss of income, you and your investment are protected.

Guarantor Loans for Car Finance: Ideal for first-time buyers or those with limited credit history, our Guarantor Loan allows a family member or friend to guarantee your loan, potentially leading to better terms and lower interest rates. This supportive approach can make car ownership more accessible, with Seeking Finance ensuring a transparent and secure process for both the borrower and guarantor.