If you're looking to buy a new or used vehicle, it's important to make sure that you deal with professionals who take the time to ensure that your transaction is a smooth, efficient and straightforward as possible.

That's why at Commonwealth Motors offer customers, through an association with St George Bank or Genesis credit corporation, competitive business and personal finance options for the purchase of your vehicle.

Our Business Managers (Grant Armstrong - 02 6121 2854 & Rhys Llewellyn - 02 6121 2800) can arrange on-the-spot finance to approved customers.

MOTOR VEHICLE LOAN
A motor vehicle loan is suitable when you use your vehicle wholly or predominantly for private purposes.

COMMERCIAL HIRE PURCHASE
Commercial Hire Purchase is suitable for business purposes.

FINANCE LEASE
A Financial Lease equips you with a tax-effective tool to meet your business needs. A Financial Lease enables your business to conserve cash flow and use the capital more productively.

CHATTEL MORTGAGE
A Chattel Mortgage enables individual businesses that trade on cash basis to claim back GST when they lodge their next Business Acitivity Statement (BAS).

NOVATED LEASE
Reap the benefits of including the motor vehicle as part of your salary package with our Novated Lease.

NOVATED LEASE
Our Novated Lease option lets you sacrifice a part of your gross salary every month for a new vehicle. It's an easy, affordable way to get the car you've always wanted.

The lease agreement is between you, your employer and St. George Automotive Finance. A Novate Lease can be either a Finance or Operating Lease where your employer makes repayments on your behalf for the duration of your employment.

Key Features:

• Fast application process
• Transferrable lease if agreed with your new employer
  
• Private use, offering greater flexibility than a company car
  
• Operating Lease provides the convenience to cover all vehicle expenses under one fixed payment.
  

CONSUMER FINANCE
If you intend to use your new vehicle maily for private reasons, St. George Consumer Finance is a convenient and affordable way to purchase your new vehicle today. 

Our online application system and competitve rates mean that if ou are approved, you can secure the car you want within minutes. We'll ask you to sign a Consumer Finance Fixed Rate Loan contract, after which you can be on your way in your new vehicle. It really is that simple.

Key Features of Consumer Finance:

• Fast application process
• Fixed interest rates
• Interest calculated daily
• Interest accrued monthly
• Finance insurance can be arranged, including Consumer Credit Insurance.

FINANCE LEASE, COMMERCIAL HIRE PURCHASE AND CHATTEL MORTGAGE
Now you have the opportunity to fund your vehicle purchase to suit your business usage and cash flow, with the flexibility to upgrade the vehicle regularly.

A fixed payment means you have the use of a new vehicle without committing capital to an outright purchase, which could free up funds to invest in your business. What's more, payments can be deducted from a nominated account, for even greater convenience.

Key Features include: 

• Line of credit available
  
• Fixed repayments may be tailored to your business cash flow, making budgeting simple
  
• Finance product options to suit your business
  
• Could free-up funds to invest in your business
  
• Potential tax advantages.*
  

*St. George and Genesis recommends you seek independent legal, tax or financial advice where appropriate.