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Vehicle Finance

Pure Capital drives car loans further

We have helped thousands of Australians save tens of thousands of dollars on their car loan. We're linked to over 25 of Australia's top lenders fighting for your business. This means you save more because we compare more.

Our expert car loan consultants are with you every step of the way.. We give each and every customer personalised service so you can rest knowing you've secured a great car loan deal suiting your budget and needs.

Think car loans, think Pure Capital

Get more car loan options. Whether you’re buying used, certified used, or from a private seller or dealer, we can help secure the best rates and most flexible terms. If you’re in business, we speak your language. We help businesses secure commercial chattel mortgages and hire purchases that keeps cash flowing.

Do you have bad credit? We fight hard for bad credit customers to get the fairest treatments on car finance. Our consultants can help you, no matter your circumstances.

Helpful information on car loans

Read some of the helpful information on car loans to help you make a right decision

Buying New or Used – What’s the best for you?

Buying new is more expensive, buying used is cheaper. But is it so cut and dry? Often buying new means massive (and instant) depreciation. Buying used may only drive you so far until you need repairs and replacement parts. What is best for your situation? If you are buying new and you’re planning for a family, buying something larger may suit you well for five or even ten years. A comparable used car may have a much shorter lifespan.

When Zero doesn’t equal “nothing” – 0% loans

Chances are you’ve seen car dealers offer “zero percent” loans on TV or radio. These may sound enticing, but are not all they are cracked up to be.

 

Dealers offering “zero” percent loans may add hidden fees, penalties and force you to buy older models at the retail price. That might mean paying more for last year’s model. Buying a retail car loan from a reputable broker or lender while negotiating a better price is a better option that will save you money in the long run.

Car loan repayments and your budget

Buying a car with finance means monthly repayments. It makes financial sense to budget for your repayments so you never run into trouble. But does it give you the full picture of how much you’ll be paying? Budgeting for repayments is a good first step, but you must also consider consumables and other expenses. Insurance, fuel, servicing and incidentals such as cleaning may play into your bottom line.

Buying private vs dealer purchase – what’s best?

In the car buying world the age-old debate of buying private and buying from a dealer rages on. What is best? It depends on your objectives. If you want to save money and don’t mind the inconvenience of travel, no-shows and checking documents and VINs online, buying private is the way to go. Dealer sales are almost always more expensive, but you get warranties, protection under consumer law and after-sales support. What is more important? Price, convenience or added safety?

Pure Capital Finance Benefits

  • Get funding fast

  • The equipment acts as security for the loan

  • Free up working capital

  • Get equipment without paying for it upfront

  • Manage your cash flow with fixed instalments

  • You can claim tax deductions

  • Options are available for bad credit

  • Start a new contract with the latest technology at the end of your current contract

Vehicle Finance

  • Maximum loan:

    Up to 100% of Car Value

  • Loan term:

    1 to 7 years

  • Interest rates:

    Starting at 4.09%

  • Time to fund:

    As little as one day

How does Vehicle Finance work?

Getting vehicle finance for a car loan or lease can be a short, streamlined way to finance up to 100% of the value of any equipment you need.

It comes in many options including leases, hire purchase, loans and chattel mortgages, for example:

Equipment Loan

A standard equipment loan allows you to borrow up to 100% of the cost of equipment with fixed repayments. The equipment is generally the only security required for the loan.

Finance Leases

A finance lease is a form of a rental agreement because the lessor owns the asset. At the end of the lease you have the option of purchasing the asset (for a residual amount agreed upfront), trading in the asset for new equipment or simply terminating the lease.

There is a risk that at the end of the lease the asset will be worth less than the residual value. One of the advantages of a finance lease is that the lender pays the GST component; this makes your payments lower.

Operating Leases

This type of lease is ideal for equipment such as technology equipment that needs regular replacement. It is similar to a finance lease but the risk of the market value being lower than the residual value is with the lender, not with you.

At the end of the lease period, you simply return the goods to the financier. In this type of lease, the equipment is not listed as an asset on your balance sheet and therefore you cannot claim depreciation. You can, however, claim the lease payments as a tax deduction.

Chattel Mortgage

A “chattel” is a moveable asset (i.e. it’s anything other than real estate). With a chattel mortgage you own the equipment from the beginning of the term of the lease. With a chattel mortgage, only the interest component of the lease payments are tax deductible – but you can also claim a deduction for the depreciation of the asset. In addition, you can claim a credit for the GST component on your BAS statement.

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Finance

Pure Capital Finance will find a finance deal that's right for you and combine all your sign and storage needs into one easy payment plan

SIGN WRITING

If you want to advertise your business on the vehicle. Our partners will provide sign writing, window decals and other branding on your vehicle before collection

STORAGE

Caddy Storage can fit out your new vehicle with a storage system to suit your business and have it installed before collection

Let's Talk

Pure Capital is committed to helping meet your asset finance needs. We want to be your trusted business advisor and hope to build a partnership for life. We work hard to ensure that you receive great service and a bespoke package to suit your unique needs and financial requirements.

We offer different loans to suit different situations. Whatever yours is, we’ve got you covered:

  • Fast Approvals

  • No age limit on assets

  • Credit impaired Approvals

  • Low doc finance up to 500k

  • Same day funding

  • Dealer or Private sale

  • Access to over 20 lenders

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Pure Capital Pty Ltd (ABN) 87 628 391 757 are acting as an authorised credit representative (ACL) 389328, Australian Credit Rep no. 512764. Under s65(1) of the National Consumer Credit Protection Act 2009. All offers are “subject to lender criteria & acceptance” & the 0% * application fee is “to approved applicants only”. 0% Application Fee Offer Terms & Conditions: Offer subject to lender criteria & acceptance, fees and charges apply. The 0.00% * application fee offer applies to applications lodged by 10th January 2019. Trademark/ Copyright Disclaimer- No affiliation. Any product names, logos, brands, and other registered® trademarks™ or images featured or referred to within www.purecapital.com.au website are the property of their respective trademark holders. Use of them does not imply any affiliation with or endorsement by them. We work with Alphera financial services under a referral basis only. None of the examples, and/or pictures are affiliated, endorsed or sponsored by the manufacturer. Or of the trademark or corporation We declare no affiliation, sponsorship, nor any partnerships with any registered trademarks ,manufacturers or company names. We stand independently as the sole operators of Pure Capital Pty Ltd. We are proud of the fact that we do not need any sponsorship, or any partnerships with any other companies to provide our service and/or product.

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