Next to buying a home, purchasing a car is one of the biggest financial decisions Australians make. Choosing the right car finance is crucial. At uFinance, we offer a wide range of low-interest car loan options to suit any budget. From competitive rates to our vehicle locator service, we’re here to help you find and finance your ideal car.

Consumer Loan

Perfect for personal use, our car finance options offer flexible terms from 24 to 84 months with fixed repayments. Add a balloon payment to reduce monthly costs, with a lump sum due at the end. You keep ownership while the financier holds security. Once fully repaid, the financier releases interest, giving you clear title to your vehicle.

Chattel Mortgage Car

For business use, we offer flexible terms from 12 to 60 months, with balloon options to suit cash flow. You own the vehicle while the financier registers a charge with ASIC. Once repaid, you receive clear title. GST-registered customers may claim GST credits, and tax deductions could apply if the car is used for business.

Car Finance Lease

This allows you to lease a vehicle from the financier for an agreed term and rental amount, typically 12 to 60 months. At the end of the lease, you can choose to buy the vehicle by paying out the remaining balance or extend the lease. It’s a flexible solution for ongoing vehicle access and control.

Novated Lease

A Novated Lease is a popular car finance option in Australia, included as part of an employee’s salary package. It’s a three-way agreement between the employee, employer, and financier. The employer makes repayments from the employee’s pre-tax salary. Lease terms range from 12 to 60 months, offering tax advantages and flexibility for employees looking to finance a vehicle of their choice.

Car Insurance

Even the safest drivers can experience accidents. With car finance in Australia, it’s important to protect your investment. We can assist you in arranging comprehensive car insurance through our trusted insurance partners. Enjoy peace of mind knowing your vehicle is safeguarded, no matter what the road throws your way.

Purchase Price Protection

Purchase Price Protection helps cover the gap if your vehicle is written off due to theft or accident. It refunds the depreciation plus the insurance payout, helping you recover the full amount you originally paid. This ensures you’re not left out of pocket and can replace your car without financial stress.