Car Loans

Whether you’re purchasing your first car, upgrading to a family car or trading in your older model, we can help you find the right loan.

At Ugo finances, we have access to over 45 lenders, including major banks and non-bank lenders. So, why not let us help you find a low rate, flexible car loan solution.

Explore which car option is suitable for you:

Secured Car Loans

Secured car loans are provided for the specific purpose of purchasing a new, near new or used car. Often secured car loans have the most competitive rates. A secured loan is a great option if you are wanting to buy a car within a set monthly repayment budget.

Unsecured Car Loans

Unsecured car loans can be provided to purchase a new, near-new or used car without the car being held as security in the unlikely event of payment default. Unsecured car loans offer a greater level of flexibility than other loan types, however as the lenders risk is higher by not having any security over the loan, interest rates can be higher.

Unsecured car loans are ideal for purchasing older, niche or unique cars or if you simply want the freedom to sell your car down the track without impacting on your finance arrangements.

Novated Leasing

Novated Leasing can be a tax-effective solution for purchasing a vehicle, particularly if you use your vehicle for work purposes. Novated Leases are an agreement between you, your employer and your lender. When you purchase a vehicle, the finance agreement is between you and the finance lender, via the agreement. Your employer is then responsible to make the finance payments on your behalf from your pre-tax salary (reducing your taxable income).

Contact Us

If you’re ready to purchase your first car or upgrade from your current vehicle, contact our team on 02 8026 0775 to talk about your loan options.