With the exception of purchasing a home, a car is generally the biggest purchase most people will make. It is vital that you choose the right car finance to suit your needs. When dealing with uFinance, you have the advantage of utilising a vast range of products offered by our panel of lenders. Whatever the budget, whatever the plan, we can help! Competitive rates and providing the right loan is all part of our service. We can also provide a vehicle locator service to help you find your ideal car.


Consumer Loan

Suitable when you use your vehicle for private purposes. Finance can be tailored to suit your budget, with fixed repayments and loan terms from 24 to 84 months. A final balloon payment can be applied to your loan and will reduce your monthly repayments. A balloon means that over the life of a loan, the borrower will only repay part of the principal and as a result, at the end of the loan term will owe the financier a lump sum. Ownership of the vehicle remains with the customer, however the financier takes an interest in the vehicle as security for the loan. Once the loan is finalised the financier will lift their interest in the vehicle handing the customer clear title.


Chattel Mortgage Car

A commercial finance product where the vehicle is wholly or predominantly used for business purposes. In this situation the financier funds the customer to purchase a vehicle. Flexible contract terms from 12 to 60 months and a balloon value can be applied to tailor your monthly repayments. Ownership of the vehicle remains with the customer and the financier registers a fixed and floating charge with ASIC. Once the loan is finalised the financier will remove the charge and hand clear title to the customer. A tax deduction may be available if the vehicle is used for business purposes and a customer who is registered for GST may claim a portion of the GST contained in the vehicle price.


Car Finance Lease

A rental agreement where the financier owns the vehicle and the customer then leases it for an agreed term and rental amount. Lease terms range from 12 to 60 months. At the end of the lease term the customer has the opportunity to buy the vehicle and payout the lease or extend the lease for a further term.


Novated Lease

A popular way of offering employees an opportunity to choose car finance for a motor vehicle of their choice as part of their remuneration package. A Novated Lease is a three way agreement between an employer, employee and the finance company. The employer makes the monthly repayments on behalf of the employee from their salary. Lease terms are from 12 to 60 months.


Car Insurance

We know that accidents may occur, no matter how careful you are on the road. We provide cover with a range of features and benefits designed with you in mind. Comprehensive coverage also protects you against vehicle damages not caused by a collision.


Purchase Price Protection

Provides protection in the event your vehicle is deemed a total loss by your comprehensive insurer through theft or accident. Purchase Price Protection can refund the depreciation amount together with the write off amount so you can get back what you paid for the car originally.


Consumer Loan

Suitable when you use your vehicle for private purposes. Finance can be tailored to suit your budget, with fixed repayments and loan terms from 24 to 84 months. A final balloon payment can be applied to your loan and will reduce your monthly repayments. A balloon means that over the life of a loan, the borrower will only repay part of the principal and as a result, at the end of the loan term will owe the financier a lump sum. Ownership of the vehicle remains with the customer, however the financier takes an interest in the vehicle as security for the loan. Once the loan is finalised the financier will lift their interest in the vehicle handing the customer clear title.


Chattel Mortgage

A commercial finance product where the vehicle is wholly or predominantly used for business purposes. Flexible contract terms from 12 to 60 months and a balloon value can be applied to tailor your monthly repayments. Ownership of the vehicle remains with the customer and the financier registers a fixed and floating charge with ASIC. Once the loan is finalised the financier will remove the charge and hand clear title to the customer.


Finance Lease

A rental agreement where the financier owns the vehicle and the customer then leases it for an agreed term and rental amount. Lease terms range from 12 to 60 months. At the end of the lease term the customer has the opportunity to buy the vehicle and payout the lease or extend the lease for a further term.


Novated Lease

A popular way of offering employees an opportunity to finance a motor vehicle of their choice as part of their remuneration package. A Novated Lease is a three way agreement between an employer, employee and the finance company. The employer makes the monthly repayments on behalf of the employee from their salary. Lease terms are from 12 to 60 months.

Car Insurance

We know that accidents may occur, no matter how careful you are on the road. We provide cover with a range of features and benefits designed with you in mind. Comprehensive coverage also protects you against vehicle damages not caused by a collision.

Purchase Price Protection

Provides protection in the event your vehicle is deemed a total loss by your comprehensive insurer through theft or accident. Purchase Price Protection can refund the depreciation amount together with the write off amount so you can get back what you paid for the car originally.

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