Simply amazing Car Loan deals, fast approval and dedicated customer service to back it up

“It is our mission to get you into your new car for less”

CAR LOAN CALCULATOR

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ACCOUNTABLE

Industry Leading Finance Company

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LARGE RANGE OF LENDERS

Over 17 lenders to choose from

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QUICK APPROVAL

Get your keys in 24-48 hours

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AMAZING DEALS

Very attractive car loan rates. Dare to compare

Check our our current car loan deals

SPA Car Loans have a great relationship with car dealers and multiple financiers. This means sweet car loan deals for you. Please note, we can do a great finance deal on any car, please compare.

FROM $90 PER WEEK

2017 Mazda 3 Neo Manual Hatch

5 year term (60 monthly Payments)

No residual or balloon payment

We take care of the rest

Salary Packaging Australia - Mazda CX5

FROM $140 PER WEEK

2017 Mazda CX5 Maxx FWD Auto

5 year term (60 monthly Payments)

No residual or balloon payment

We take care of the rest

toyota prado diesel on a novated lease

FROM $271 PER WEEK

Toyota Prado GXL T/D Auto

5 year term (60 monthly Payments)

No residual or balloon payment

We take care of the rest

Let us show you how

Simply fill in a few details below for an instant quote. Like what you see? Hit the Enquire Now button and an experienced consultant will talk you through it.

The rates listed below are simply a market estimate, SPA will endeavour to get the best package to suit your situation that takes into account your individual circumstances

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Car Loan Details

WHY CHOOSE SPA FOR A CAR LOAN

  • Amazing Car Loan Deals. Just compare our rates!
  • Huge selection of lenders to choose from. We make sure you get the right deal
  • The process is generally quick and easy with a 24-48 hour turnaround in most cases before getting the keys
  • You get a dedicated Loan Consultant, so you deal with the same experienced person each time you call
  • We do not facilitate or practice the “hard sell” like many brokers, dealers and call centres. We are simply outcome focused, that focus is to make you a happy client that will refer other friends and family to us
  • SPA are members of the FBAA and are NCCP compliant. This means that we are held to rigorous standards, not just be the lender, but by industry regulators. We do not run under “point of sale exemption” like a car dealer.

FAQ

What do I need to do to get a car loan?

A typical loan application process has a number of easy steps that we, at Salary Packaging Australia, can help you out with.

• Firstly, use our calculator tool to find out how much you would like to borrow and how much you can save using SPA.
• Ensure you have the right documentation (see below).
• Obtain a credit check for us to assess your ability to service a loan
• Find your car – we can help with that!
• Send us a signed copy of the signed vehicle contract of sale
• And we will take it from there!

How quickly can I get an approval?

Depending on your personal circumstances, we can get you approved anywhere between 1 to 6 hours! As long as you submit all the right documentation (see below) there should be no reason why it can’t be as quick and easy as possible.

What do all those loan terms mean?

We know that reading all these terms can be pretty confusing, so listed below are a few terms defined which we think will make understanding all this much easier.

• Establishment fee: The cost initially incurred to start setting up the loan.
• Extra loan repayments: Additional payments that are more than the agreed loan repayment amounts specified in your contract.
• Fixed interest rate: An interest rate that stays the same over time. This means that the repayment amount will be fixed and not change throughout the life of the loan.
• Loan contract: The formal contract between the borrower (that’s us!) and the lender (that’s you!) that sets out the terms and conditions of the loan.
• Loan repayment: The agreed amount to be paid in the amount of time specified in your contract.
• Loan term: How long you have to pay back the loan, for example, five years.
• Ongoing fees: A fee that may be payable intermittently, for example, a $12 fee to be paid monthly over the term of the loan.
• Pre-approval: The process which occurs prior to the approval and confirmation of the loan. This will indicate how much you are able to borrow based on your individual circumstances and information provided to us.
• Secured loan: If you have a secured loan and default on your repayments, the lender (us) has the right to seize your car.
• Unsecured loan: When there are no assets involved to secure the loan.

Can I make additional loan repayments?

Absolutely! Additional payments will place your contract into advancement, however early termination fees will still apply if you pay out your contract earlier than planned.

What documents do I need to provide?

  • Driver’s licence (or other ID such as a passport)
  • A utility bill
  • Payslips or proof of income
  • If you are self-employed, you will also need to submit a tax return from the last 18 months i.e. 2014/2015 or 2015/2016 financial year tax returns.

How do I apply for a loan?

Call us on 1300 786 664 or email to enquiries@salpacaus.com.au to speak with one of our experienced and helpful staff.

THE PROCESS

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Choose a car

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Get an Instant Quote

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Let Us Take Care of The Rest

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Hit the road in your sweet new car

Terms & Conditions

(a) $90 (b) $140 (c) $271 per week is available to approved personal applicants to finance the purchase of (a) 2017 Mazda 3 Neo Manual Hatch (b) 2017 Mazda CX5 Maxx Auto FWD (c) Toyota Prado GXL T/D Auto. Driveaway price of (a)$19998 (b) $30998 (c) $60400 with 60 monthly payments in arrears. Based on an annual percentage rate of 5.95 %. Terms, conditions, fees and charges apply. Offer valid until 31/07/2017. Comparison Rate of 6.48% is based on a 5 year secured consumer fixed rate loan of $30,000. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Salary Packaging Australia is a representative of Connective Credit Services Pty Ltd, Australian Credit Licence 389328 CRN 480205. Drive away price shown includes 12 months registration, 12 months compulsory third party insurance (CTP), a maximum dealer delivery charge and stamp duty and is based on supply in SEQLD. Offer ends 31st July 2017. Information such as interest rates quoted and default figures used in the assumptions are subject to change. Subject to lending credit criteria, terms and conditions, fees and charges apply and your full financial situation would need to be reviewed prior to acceptance of any offer or product.

View our other options for cost-saving finance

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NOVATED LEASING

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REMOTE AREA BENEFIT

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SALARY PACKAGING

Salary Packaging Australia (SPA) does not provide financial or taxation advice. SPA recommends to you seek independent financial/taxation advice prior to entering into any salary packaging arrangement. This quote may be subject to change even after acceptance.

The results from this calculator should be used as an indication only. Results do not represent either quotes or pre-qualifications for the product. Individual institutions apply different formulas. Information such as interest rates quoted and default figures used in the assumptions are subject to change. Subject to lending credit criteria, terms and conditions, fees and charges apply and your full financial situation would need to be reviewed prior to acceptance of any offer or product.