Low Rate Car Finance

With a rate as low as: 3.9%
Comparison rate of 5.34%
  • Low Fixed Rate
  • Fast Approval
  • Easy Application
  • New, Used, Dealer, Private Sales

Low Rate Car Finance

Have you been thinking about buying a new car ?. Maybe searching for your very first car, upgrading the family SUV, Require another vehicle for your business. Whatever the reason you most likely will require finance to fund the investment. Southern Cross Finance and leasing have been helping customers for more than 10 years find the right solution. Through our panel of lenders your finance specialist can assist with comparing options and find a solution to suit your budget.

At SCFL we offer finance with

  • No depositloans
  • Private sales, Dealer sales, Auctions, New and Used Cars

Who can apply?

You can apply if you are:

  • Aged 18 years or over
  • Eligible to work in Australia
  • An individual, Sole trader, Partnership, Trust, Pty ltd,¬† Director of your company.

And your business has:

  • A registered ABN Eligible to work in Australia
  • Financing equipment that will be used by a business (mostly or entirely for business purposes)
  • A satisfactory credit rating

Car Loan options

I agree and accept the Terms & Conditions

Secured Car Loan

  • Lower rates
  • Larger loan limits
  • 1-7 year terms

A secured car loan is finance provided for the specific purpose of purchasing a new, near new or used car.

Secured loans offer the most competitive rates and repayments compared to other loan types by using the car as security for the loan. With the car as security, our panel of lenders can offer you lower interest rates as their risk is lowered in the unlikely event of default on the loan. A secured car loan is a great option if you are wanting to buy a car within a set monthly repayment budget.


Benefits Of Unsecured Car Loan

  • More flexibility
  • Ideal for older or unique cars
  • No age restriction on car
  • 1-7 year loan term

An unsecured car loan is finance that is offered for New or used cars without the car being held as security.

Also known as a Personal Loan unsecured personal loans offer greater flexibility.This type of loan is great for buying older cars or unique cars  with the freedom of selling the vehicle down the track and not impacting the finance agreement with the lender.

Business Car Finance

  • Lowest rates
  • Tax benefits
  • Low doc available
  • 1-7 year terms

A business/commercial car loan is used for the specific purpose of purchasing a vehicle for business use.

Very competitive rates which can provide a tax benefit and allow you to claim GST and depreciation

Talk to one of our team more about this product.