Car Finance Options

At Ubika Finance we provide car financing options for all purposes customised to fit your personal and business situation and circumstances. We have over 15 lending institute to navigate through to find a loan product which would cater to your needs. Our commitment is not only in providing you with the right loan product and structure but also in giving professional advice and guidance through the process. At Ubika Finance we can offer you with the following car loan options.

A Finance Lease (Car Lease) enables a business to have the use of a car or commercial vehicle and the benefits of ownership, while the financier retains actual ownership of the vehicle.

A commercial finance product where a business "hires" a car from the financier for a fixed monthly repayment over a term, and has the option to purchase the car at the end of the term.

A Chattel Mortgage is a commercial finance option under which a financier loans money to a business to purchase a car or commercial vehicle (chattel), and then secures the loan with a mortgage over the vehicle.

Novated Lease is a method of salary packaging a car, under which an employee leases a car and their employer pays the lease repayments from the employee's pre-tax income. Novated Leasing can be a tax-effective way for an employee to purchase a vehicle, and can also be a great way for employers to offer an extra incentive to their employees with little or no extra cost.

Fully Maintained Novated Lease is a method of salary packaging a car and its operating expenses, under which an employee leases a car and their employer pays the lease repayments and operating expenses from the employee's pre-tax income. Fully Maintained Novated Leasing can be a tax-effective way for an employee to purchase a vehicle, and also allows employers to offer an extra incentive to their employees at little-or-no extra cost.

Car Loan, or more specifically a secured Car Loan, is a type of loan where the financier lends money for the purchase of a vehicle and also takes security over the vehicle to protect the loan.

A Personal Loan is a type of unsecured car loan, whereby the financier lends you money but doesn't take any security over the vehicle.