Personal vehicle
Explore the considerations for an individual purchase.
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Choose the vehicle. Plan the ownership.
Consider a new or pre-owned vehicle with a budget that includes the deposit, instalment and everyday cost of keeping it on the road.
Discuss your vehicle
The ownership picture
A monthly payment is part of the cost.
Compare the purchase with your continuing personal or business expenses. A lower instalment should be considered alongside the term and the total amount repaid.
Explore the monthly estimate01
At purchase
Deposit, registration and the confirmed vehicle price.
02
Every month
Financing instalment, fuel, parking and routine running costs.
03
Over time
Insurance renewal, servicing, repairs and depreciation.
The right conversation
Personal use. Business requirements.
For a personal vehicle, review household affordability and existing commitments. For a business purchase, explain the vehicle’s use, expected utilisation and contribution to operations.
Commercial equipment
Review productive vehicle and equipment investment.
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What to prepare
Start with a quotation. Bring the wider picture.
The vehicle
Quotation, age, condition, intended use and deposit contribution.
The applicant
Income or business financial position, current obligations and a realistic repayment plan.
Vehicle eligibility, valuation, security and terms depend on assessment. An enquiry does not confirm approval or a particular financing rate.
Personal attention. Professional assessment.
Put a clear plan behind your next vehicle.
Tell us the vehicle type, approximate price and intended use.