I’m interested!

I Want The Best Rates

  • This field is for validation purposes and should be left unchanged.

Smarter Finance and Loans Services

We can help you make sense of finance rates with different features and options so that you can get the best financing plan in place! Finance deals and rates, car loans and perhaps insurance and warranties too, you can find them all here with The Smarter Finance Company.

Get A Free Quote

Finance Your Car the Smarter Way!

Finance Smarter

Chattel Mortgages

A Chattel Mortgage is a commercial finance product where the customer takes ownership of the vehicle (chattel) at the time of purchase, while the vehicle serves as collateral for the mortgage just as well.

Chattel Mortgage

With a Chattel Mortgage, we are able to offer you fixed interest rates and monthly payments so that you can predict your costs for the future right now. Because we are using the vehicle as “Chattel”, you can have the peace of mind that and get you one step closer to owning your own vehicle!

Commercial Hire Purchase

A Commercial Hire Purchase (CHP) is a commercial finance product where the customer hires the vehicle from the financier for a fixed monthly repayment over a set period of time.

Commercial Hire Purchase

A Hire-Purchase agreement works well for our customers because payment for the “hire” of the vehicle is typically spread over a number of months. So instead of having to pay upfront for the car, the costs can be slowly repaid over time. The ownership of the car still belongs to the financing institution and at the end of the term, the financing institution can choose to retain the car themselves. This means that you’re technically only paying for the period that you use the car! Talk about Savings!

Novated Lease

When it comes to taking out a financial plan for your new or used car with your company, a novated loan helps your company and your employees both to save money on taxes and can definitely add value to your working life.

Novated Lease

When you’re financing your car, chances are that you’re using your salary to pay for the repayments every month, so why not use a Novated Lease to maximise the benefits of that and linking the repayments directly to your salary before tax! You and your employers can receive the tax deductions as well as foster a good relationship when a relationship like this is created over your car so it’s really a win-win situation!
Finance Smarter

Fixed Rates

Our financial partners love customers with excellent credit ratings because we know that they can be trusted when it comes to repayments. When you have a good credit history, even more options can be available to you such as our Flexible Loan schemes!

Fixed Rates

Fixed rate loans can be a huge boon for you and by facilitating your financial planning, you can budget for monthly payments well and meet them, even over a long tenure period. With that kind of predictability, you won’t have to worry about not being able to make payments and your car getting repossessed!

Consumer Car Finance

With a consumer loan, your car is used as security, and that means more confidence to the institution providing you the financing. That means lower interest rates and cheaper costs when it comes to the car of your dreams!

Consumer Car Finance

Consumer Loans can help you get the cash up front for the car of your dreams. Let The Smarter Finance Company help you calculate the best arrangement for your new acquisition so that you can have the peace of mind that you have the right financing tool working for you!

Flexible Rates

The Smarter Finance Company is able to provide you with quicker results and more detailed comparisons when you choose a financial plan under a flexible capacity; tailor-make your loan to your own terms!

Flexible Rates

If you’re looking for lower interest rates from your basic personal loan, then a secured loan may be the answer you’re looking for. Our consultants will pull out the most competitive rates in the market so that you can get the approvals on the double for your new or used car!

Why Choose Us?

Interest Rate Options

Find a scheme that works the best for you and your budget!

Interest Rate Options

Whatever your budget may be, know that there is a way to fit a repayment plan in! The Smarter Finance Company will help you to work out the necessary parameters to manage a financing schedule for your new or used car, so you don’t have to worry about the affordability of it all! Contact us with your requirements and let us do the work of finding the best match to your needs.

Dedicated Service

Our advisors are committed to a quick resolution and also your satisfaction!

Dedicated Service

Whether you are applying for a personal loan or a business loan to finance your vehicle, you can expect speedy replies from everyone at The Smarter Finance Company! We know that you’re eager to bring back your new or used car, so we will try our best to ensure that you will have the paperwork and funds ready when you need it! Call us today and let us take care of things right away!

Simple Document Requirements

Complicated verification processes are not necessary if you have the experience that we do with administration!

Simple Document Requirements

The Smarter Finance Company knows that getting a car may be difficult in other places if your financial circumstances are different from others. But we also know that you are in good standing for the loan that you need, so we make it a point to help you get it! With our connections, we can help you get a loan with low document requirements so that getting closer to your car will be as stress-free as possible!

  • Get Your Free Finance Quote Today

    Provide us with your details, so we can contact you to compare offers and find the best finance deal for you.

  • Please enter a value between 1 and 7.

Car Loan Calculator