FINANCE

A Chattel Mortgage is a very popular product with our customers allowing them to take ownership of the vehicle at the time of purchase. We provide competitive funding for the purchase of the vehicle and register a mortgage over the asset as security for the loan. Once the final payment is made and the loan contract is completed the mortgage is removed which gives the customer clear title to the equipment.

Deposits by way of cash or trade-in may be made and monthly payments can be tailored to suit your business requirements. In addition balloon payments (a larger final payment) may be incorporated into the repayment structure to reduce your monthly payments.

• Preserves working capital

• Fixed payments and interest rates for the term of the loan

• Accurate budgeting for your business - financing costs are known in advance

• Every payment builds equity in your vehicle and in your business

• Financing for 100% of vehicle cost including GST may be available

• Deposit by way of cash or trade-in to increase initial equity and reduce monthly payments

• Balloons (larger final payments) can be used to reduce monthly payments

• Structured / seasonal payment plans available to suit your business needs

• Interest and depreciation are tax deductable *subject to status

• GST refund (on asset purchase) may be reclaimed at start of contract

*subject to status

• No GST on monthly payments

• Scania Finance Chattel Mortgage provides a new credit line separate from your banking facilities

A hire purchase agreement gives you the benefits of ownership without the capital outlay. You select your vehicle and Scania Finance provides competitive funding for the purchase. We own the vehicle and hire it back to you over an agreed period of time, typically between 36 and 60 months. You have the use and control of the vehicle for the term of the contract and the vehicle becomes yours once all payments have been made.

• Preserves working capital

• Fixed payments and interest rates for the term of the loan

• Accurate budgeting for your business - financing costs are known in advance

• Every payments builds equity in your vehicle and in your business

• Financing for 100% of vehicle cost including GST may be available

• Deposit by way of cash or trade-in to increase initial equity and reduce

monthly payments and overall interest

• Balloons (larger final payments) can be used to reduce monthly payments

• Structured I seasonal payment plans available to suit your business needs

• Interest and depreciation are tax deductable *subject to status

• GST refund (on asset purchase) may be reclaimed at start of contract

*subject to status

• No GST on monthly payments

• Scania Finance HP provides a new credit line separate from your banking facilities

A Finance Lease is a contract where Scania Finance purchase the vehicle at your request and lease/rent it to you for an agreed period of time, usually between 36 and 60 months. We own the vehicle but you have right of use under the lease terms. Payments are usually one month in advance and there is a residual value included in the lease which lowers your monthly rental payment. The residual is agreed between us and set in accordance with guidelines issued by the ATO which are based on the useful life of the asset. We remain the legal owner until the end of the lease period when you can make an offer to purchase or release the vehicle. Alternatively we can assist you with an offer to buy a brand new Scania vehicle using any one of our finance products listed here.

• Preserves working capital

• Fixed payments and interest rates for the term of the loan

• Accurate budgeting for your business - financing costs are known in advance

• Financing for 100% of vehicle cost including GST

• No deposit required

• Residual (larger final payments) will be agreed and set in accordance with ATO guidelines - this gives you lower monthly rentals

• Structured / seasonal payment plans available to suit your business needs

• Rentals are tax deductable *subject to status

• GST on monthly payments

• Scania Finance vehicle lease provides a new credit line separate from your banking facilities

Operating Lease is a contract where Scania Finance purchase the vehicle at your request and lease/rent it to you for an agreed period of time, usually between 36 and 60 months. We own the vehicle but you have right of use under the lease terms. Payments are usually one month in advance and there is a residual value set by us and included in the lease. The rentals are calculated on the cost of the vehicle including finance less the residual value.Consequently, you benefit from much lower monthly rentals as a result of us taking into account the expected future value of the vehicle.

At the end of the lease period you have no vehicle disposal worries or risk. That's all handled by us. You simply return the vehicle to us and providing it meets the return conditions agreed at the outset there is nothing more for you to do or pay.

• Preserves working capital

• Fixed repayments

• Accurate budgeting for your business - leasing costs are known in advance

• Financing for 100% of vehicle cost including GST

• No deposit required

• Residual value set by us will result in lower monthly payments

• Structured / seasonal payment plans available to suit your business needs

• Rentals are tax deductable *subject to status

• GST on monthly payments

• No disposal risk or administration at the end of the lease

• Scania Finance Operating Lease provides a new credit line separate from your banking facilities

Contract Hire represents the very best way to fix the majority of your vehicles funding and operating costs. Put simply Contract Hire combines the benefits of an Operating Lease with a Scania vehicle maintenance & repair contract - all within one easily managed monthly payment. At the end of the lease period you have no vehicle disposal worries or risk. That's all handled by us. You simply return the vehicle to us and providing it meets the return conditions agreed at the outset there is nothing more for you to do or pay.

• Preserves working capital

• Fixed payments including maintenance and repair for the term of the lease

• Accurate budgeting for your business - leasing costs and agreed maintenance costs are known in advance

• Financing for 100% of vehicle cost including GST

• No deposit required

• Residual value set by us will result in lower monthly payments

• Structured / seasonal payment plans available to suit your business needs

• Rentals are tax deductable *subject to status

• GST on monthly payments

• No disposal risk or administration at the end of the lease

• Scania Finance Contract Hire provides a new credit line separate from your banking facilities