At Valley Ford we not only have the best range of new and quality used vehicles but we can also help with all your finance needs.
Our Finance Services Include:
- Corporate Lending
- Novated Leases
- Consumer Lending
- Extended Warranties
- Loan Payment Protection
Our Group Finance & Insurance Manager - Paul Edwards, has a great knowledge of all the above products and is always available to attend to your business and personal finance needs.
Choosing the right vehicle and finding the right financial package has never been easier. Whether you’re a private purchaser or you’re choosing your vehicle for business use, Valley Motor Group offers a wide range of flexible finance and lease products, tailored to make your life easier. After all, the right car needs the right financial package to complement your lifestyle.
A Personal Loan is designed to allow you to keep it simple and choose your repayment period (up to 7 years) and make regular monthly or fortnightly instalments with a fixed interest rate. You can repay your personal loan in full by equal payments over the chosen loan period, or you can defer part of the cost to the end of the loan with a larger final payment – therefore reducing your regular payments.
Personal Finance benefits
- Suitable for non-business customers
- Choose the deposit amount you wish to pay
- Choose the repayment period, up to 7 years
- Add flexibility by tailoring your final instalment
- Fixed interest rate so payments are locked in to meet your budget
- The ability to repay the loan early, or to make lump sum payments and save interest.
Finance Application Forms
For Companies Applications, please ring (03) 5173 3888 or email firstname.lastname@example.org for the appropriate forms
Business Finance Options
Commercial Hire Purchase offers business users some advantages that may assist with cash-flow. The business user can tailor the Hire Purchase by selecting a contract term (up to 5 years), include a deposit or trade-in and select a larger optional final instalment to lower the regular monthly payment to meet your budget. For business use vehicle, charges and depreciation on the vehicle may be tax deductible.
A Chattel Mortgage offers ABN registered customers tax effective advantages. Depending on your accounting method, you can claim the total GST for the vehicle on your next BAS return. Deposit, trade-in and lump sum final payment are all options that can assist with cash-flow.
Finance Lease. This offers business customers a tax effective way of utilising a vehicle without tying up capital. Lease terms can be up to 5 years and have a residual (lump sum) due at the end of the agreement as set out by ATO guidelines. GST is included in each lease rental and the residual, which may be deductible.
Novated Lease. This is designed as a cost effective solution to salary packaged employees. In conjunction with their employer, the employee has a Novated Lease for up to 5 years, with the residual set as per ATO guidelines. The monthly rentals, net of GST, are taken from the employee’s gross pay reducing taxable income. The employer pays the full monthly rental including GST to the financier and may be able to claim the taxation benefits of leasing a vehicle.
Disclaimer. It is recommended you consult your accountant for advice on which business finance option will best suit your needs. The information here is of a general nature only and not designed to cover a customer’s individual needs. It is subject to change without notice.
All finance is subject to meeting the financier’s normal lending policy.