Whether you're purchasing a business vehicle, refinancing a balloon payment, or upgrading your personal car — GPS Finance Group structures your application the way lenders want to see it, not just the way it looks on paper.
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Car loans are one of the most commonly mishandled finance products. The difference between a well-structured application and a poorly submitted one isn't just approval — it's the rate, the term, the residual, and the tax treatment.
GPS Finance Group assesses your full profile before selecting a lender, matching your income structure, credit conduct, and vehicle type to the lender most likely to approve at the best terms available to you.
For business clients, we structure around your tax position — chattel mortgage, finance lease, or novated lease — so the facility works financially, not just logistically.
Chattel Mortgage — Business ownership of the vehicle from day one. GST claimed upfront. Balloon payment option.
Finance Lease — Lender owns the asset, business has use. Lower payments, residual at end of term. Off-balance-sheet option.
Consumer Car Loan — Personal vehicle purchase. Fixed rate, fixed term, clear repayment schedule.
Balloon Refinance — Existing balloon payment coming due? We refinance into a new facility or structure a payout.
Utes, vans, SUVs, or company cars for directors and staff. Structured around your tax position and vehicle use — with the right facility type to maximise deductibility.
A balloon or residual payment is coming due and you're not ready to pay it out. We refinance the remaining balance into a new term or structure a payout option.
Trading up to a newer vehicle. We handle the payout of your existing loan, any equity position, and structure the new facility in a single coordinated transaction.
Private individuals purchasing a new or used vehicle. Fixed rate and term, clear repayment structure, matched to a lender whose policy fits your income and credit profile.
Understanding the lender's assessment criteria is what separates a well-prepared submission from one that comes back with questions, delays, or worse terms.
Lenders look at employment type (PAYG vs. self-employed), income consistency, and whether your net income supports the proposed repayments after all existing obligations are met.
Your credit history — particularly any missed payments, defaults, or dishonours in the past 12–24 months — directly affects which lenders will look at your application and at what rate.
Lenders have specific policies on vehicle age, make, model, and kilometres. Some lenders won't finance vehicles over 10–12 years old. We match you to a lender whose policy fits your asset.
Loan-to-value ratio matters — particularly for older or specialised vehicles. A deposit or equity position can open access to lenders and rates that aren't available at 100% LVR.
Use our car loan calculator to estimate your monthly repayments, total interest, and total cost — then speak to a specialist to structure the right facility for your situation.
