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Personal, Car and Equipment Loans

For planned and unplanned life events, access additional cash to help move life plans along - be it for persona reasons such as car, holidays and the like or for your business.

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Personal, Car and Equipment Loans

For planned and unplanned life events, access additional cash to help move life plans along - be it for persona reasons such as car, holidays and the like or for your business.

Competitive Rates on Car, Personal and Equipment Loans.

Experience all the benefits of having your own personal finance broker when it comes getting your next personal or car loan. A quick turn around, competitive rates and one person to deal with means you can plan your life with confidence when it comes to getting the funds to make dreams come true.

Our top 3 tips for getting a good deal on your car or personal loan.


  1. If the rate sounds too good to be true, it probably is. 0% interest rates on a loan don't exist in the sense that you would expect them to. You are paying somewhere else in the transaction. Guaranteed. 
  2. Get a pre-approval on your car loan. As with any purchase, you must know your budget before you go to make a purchase. The smell of new cars is an alluring temptation that you must resist. A pre-approval on a car loan gives you bargaining power and leaves you in charge of the transaction. 
  3. Beat the banks on their high credit card rates. You're over being stung by ridiculously high interest rates on credit cards. Roll all those cards in to one neat personal loan, with a far more reasonable interest rate and manage one repayment over a set period of time to get back on track with your finances.

Competitive Rates on Car, Personal and Equipment Loans.

Experience all the benefits of having your own personal finance broker when it comes getting your next personal or car loan. A quick turn around, competitive rates and one person to deal with means you can plan your life with confidence when it comes to getting the funds to make dreams come true.

Our top 3 tips for getting a good deal on your car or personal loan.


  1. If the rate sounds too good to be true, it probably is. 0% interest rates on a loan don't exist in the sense that you would expect them to. You are paying somewhere else in the transaction. Guaranteed. 
  2. Get a pre-approval on your car loan. As with any purchase, you must know your budget before you go to make a purchase. The smell of new cars is an alluring temptation that you must resist. A pre-approval on a car loan gives you bargaining power and leaves you in charge of the transaction. 
  3. Beat the banks on their high credit card rates. You're over being stung by ridiculously high interest rates on credit cards. Roll all those cards in to one neat personal loan, with a far more reasonable interest rate and manage one repayment over a set period of time to get back on track with your finances.

Car Loans

Save you money ✓ Fast Turn-around ✓ Reliable ✓ Trusted ✓ Vareity of Lenders ✓ HLCCo arranges Car Finance that checks all the boxes. Feel safe knowing that by getting your Broker to arrange competitive vehicle finance for you, you are protected by the same strict regulations imposed on Home Loan Lending.

Commercial and Business Loans

Experience the difference of just one contact to arrange all of your finances. Running a small business is time consuming enough without having to worry about financing future plans. If you're wanting to expand, upgrade or renovate your business premises, contact us for advice on business finance.

Personal Loans

A fabulous option to assist with future plans or to help you move plans along a little quicker. For both planned and unplanned life events such as weddings, furniture purchases, holidays, debt-consolidation, minor home improvements or education a personal loan can provide an injection of funds right when and where you need it.

 

Vehicle Finance

On the market for a new car? Whether it is a lifestyle choice, a luxury or a necessity for a growing family, we make it easy to get pre-approved competitive finance so you can hit the car yards with the confidence to negotiate your best deal.

Secured Car Loan

If your vehicle is for personal use, then you can look at a Secured Consumer Car Loan. The vehicle is owned by you with the finance company taking security over the vehicle to secure their loan to assist you with the purchase. Your car loan term can range from 1 year to 10 years, although most would go 5 to 7 years. Depending on the type of vehicle, you may be able to put a small residual or balloon payment on the end of the finance, which will help you reduce the repayments.

Depending on the lender, your secured car loan interest rate may be either fixed or variable.

Personal Loan / Unsecured Car Loan

This loan is very similar to the Secured Car Loan, but the lender may choose not to take security over the vehicle being purchased. Maybe the vehicle is older or is only very cheap. Loan terms can range from 1 year to 7 years, but because the loan is unsecured, lenders tend to want a shorter term. The unsecured car loan interest rate can be either fixed or variable depending on the lender.

Depending on the lender, your secured car loan interest rate may be either fixed or variable.

Novated Lease

A Novated Lease is used where your employer is providing you a Salary Package component of your income to use towards a vehicle. With a lease, although you chose the vehicle and negotiate the purchase, the finance company is technically the owner of the vehicle until the finance is paid off. Your employer essentially agrees to take on the responsibility of making repayments on your behalf through the Novation Agreement. Should you leave employment of that company, the Novation Agreement would revert to you being responsible for all future repayments.

You should obtain your own financial and tax advice when entering into a lease agreement.

Commercial/Business Finance


One business to contact. One experienced broker who understands small business. Dozens of choices. 

Chattel Mortgage

A Chattel Mortgage is a secured loan, taken when the vehicle you have purchased is to be used primarily for business use (more than 50% of the time).

The finance company takes security over the vehicle, which is owned by you, to secure their loan. The interest rate will be fixed for the term of the loan. Loan terms are between 1 and 5 years. Depending on the vehicle, you may be eligible to have a residual or balloon payment at the end of the loan. This enables you to have lower repayments for the term of the loan, however you will need to pay a lump sum or refinance the balloon (residual balance) at the end of the loan term.

Finance Lease

A finance lease is a secured loan, used when the vehicle is solely for business. Although you are able to choose the vehicle to purchase, the vehicle is technically owned by the leasing company until the finance contract is finished.

The loan contract terms are between 1 and 5 years, with a fixed interest rate and repayments. You will need to have a small residual or balloon payment at the end of the contract, which if you choose to retain the vehicle, you can refinance or pay out and take ownership. You should obtain your own financial and tax advice when entering into a lease agreement.

Novated Lease

Your employer is provides a Salary Package component of your income to use towards a vehicle. With a lease, although you chose the vehicle and negotiate the purchase, the finance company is technically the owner of the vehicle until the finance is paid off. You, your employer and the finance company would all be required to sign lease documents. Your employer essentially agrees to take on the responsibility of making repayments on your behalf through the Novation Agreement. Should you leave employment of that company, the Novation Agreement would revert to you being responsible for all future repayments. The loan contract terms are between 1 and 5 years, with a fixed interest rate and repayments. Contact us for more details.

You should obtain your own financial and tax advice when entering into a lease agreement.

Personal Finance


 

Life does not wait for anyone. Take the family holiday, do the renovation, buy the car. Personal Finance can help you tick items off the bucket list and cover necessary expenses right when you need to.

You can rest assured The Home Loan Comparison Co. has several options available so you can benefit from  market leading rates. The interest rates can be either variable or fixed, with a loan term between 1 and 8 years, depending on the purpose. Most loan terms would be over 5 years. Personal Loans are available for just about any legal purpose. These include (but are not limited to);

  • Purchase furniture
  • Holiday
  • Wedding and/or honeymoon
  • Home Improvements
  • Debt consolidation
  • Covering study costs
  • Medical or Veterinary bills
  • School Fees

The benefits of a personal loan for finance

  • Personal Loans are cheaper than most credit cards.
  • Having one Personal Loan rather than several credit or store cards makes it easier to budget.
  • Using a Personal Loan instead of increasing your Home Loan means you clear the debt quicker and you don’t use your home equity that you may be able to use to invest or for home improvements.

With just one number to contact, no waiting time, the experience to really understand small business, contact HLCCo to start the ball rolling on your Personal Loan.

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