The aim of A1 Car Loans is to provide you with the best car loan products available.

Do I need a car loan, a car lease, a hire purchase or a chattel mortgage?   A1 Car Loans will help you understand the jargon.

It is important to A1 Car Loans that we understand our clients and their needs. We pride ourselves on our personal and professional service. You will speak to a real person first time every time – there are no call centres!!

A1 Car Loans was set up to offer finance solutions to the individual and to business. The type of goods we can finance is virtually unlimited. Whether it is a car, truck, agricultural equipment or manufacturing goods you are after, let A1 Car Loans help you.

Please visit our finance calculators to help work out your loan repayment, or use our salary packaging calculator to see how a novated lease will affect your take home pay.

Our years of industry experience will assist you in understanding the features and benefits of a car lease, car loan, novated lease, and salary packaging.

Additionally, we can help you determine how to best set up your car allowance using a hire purchase, or how to best utilise a chattel mortgage to maximize your tax and GST claims.

Our equipment team will help you finance your next big ticket purchase, whether that be with a hire purchase, a finance lease or a chattel mortgage.

A1 Car Loans has its own in house fleet management service to help you manage your car or other asset expenses, and we have a car buying system to track down the best new car price for you.

At A1 Car Loans, it is vital that you get the right finance product tailored to suit your needs.  When you contact A1 Car Loans we will conduct a needs analysis with you to help us understand exactly what you are looking for.

There are a few different things you need to consider when seeking finance for your car or equipment finance.

Are you a sole trader, a company or are you involved in a partnership?

You may need to discuss with your accountant how your accounts are managed.  If you use cash accounting, there are 2 finance options you may consider.  These options include using a Finance Lease, or a Chattel Mortgage.

An alternative to cash accounting is accrual based accounting.  If this is how you run your books, then your should consider a Commercial Hire Purchase (CHP).

If you are an individual, you need to determine whether the car finance you are looking for will relate to a personal or a business use vehicle.

If your employer offers a car allowance as part of your salary, then there are 2 main types of finance for you to consider.  A Commercial Hire Purchase (CHP) and a Finance Lease are generally considered the best options if you are using a car for business purposes.

If your employer offers salary packaging, whereby you can use some pre-tax income to purchase a car, then you should consider a Novated Lease / Finance Lease.

If you are simply looking for a car and are not able to access salary packaging, then a Consumer Loan / Car loan  should be on your shopping list.