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    Simple Finance
    Group Australia
    Finance The Simple Way

    Simple Finance
    Group Australia
    Compare and Save With 30+ Lenders Guaranteed Low Rates Approvals Within 1 Hour We Protect Your Credit Score Our name says it all. We make getting finance simple.

      Get your free online quote







      Getting your rate here will not affect your credit score.

      Our details are protected by 256bit encryption

      Our Services

      Whether you’re looking for car, boat, caravan or equipment finance, our award winning team will help you compare loans from over 25 lenders.

      Simple Car Finance

      Looking to buy a new or used car? We finance Australia-wide for individuals and businesses.

      Simple Boat Finance

      Looking to get out on the water? We finance Australia-wide.

      Simple Caravan Finance

      Looking to get out on the great open road? we finance australia-widw for all types…

      Simple Equipment Finance

      Looking for new equipment for your business? We finance Australia-wide.

      Who We Are

      Simple Finance Group is a family owned business based in Newcastle NSW. We services clients Australia-wide. We help everyday Australians to buy cars, boats, caravans and business equipment. Our industry leading technology help us make the process simple for you.

      Why Work With Us

      Our team of licensed finance brokers take the hassle out of getting a loan. The Australian lending market is highly complex. There is a huge range of lenders and products available. It’s crucial to research the market and get the right loan for your needs. But it’s time-consuming and difficult to do that yourself. That’s where we can help. We manage the entire end to end process for you to make it simple.

      Our team of brokers fully understand the market and the lending criteria of different lenders. We’ll take the time to understand your needs before recommending a suitable loan and lender for you.

      We have access to over 20 lenders with interest rates often lower than advertised. Don’t settle for dealership finance when you purchase your next car, caravan, boat or business equipment.

      Repayment Calculator

      You DESERVE CHOICE

      Our award winning team will help you compare car loans from over 30 lenders.

      Whether you’re looking to finance a new or used car for personal or business use, we can help you.

      • Fast Approvals
      • Low Interest Rates Guaranteed
      • Panel Of Over 30 Lenders
      • We Protect Your Credit Score
      • Obligation Free Process

      Secured car loans

      • Use your new car or other asset as security to get a great interest rate!
      • Flexible loan terms of 1 to 7 years to suit your specific situation.

      Personal (unsecured) car loans

      • No security required!
      • An option for older or lower-value cars.
      • Flexible loan terms of 1 to 7 years to suit your specific situation.

      Novated car leases

      • A three-way arrangement between your employer, a finance company and you.
      • Pay no GST on your new car, saving you 10% on the purchase price.
      • Finance the purchase price and running costs of your car.
      • A great salary packaging option to pay less income tax each pay.
      • Flexible loan terms of 1 to 5 years to suit your specific situation.

      Car (finance) leases

      • Tax-deductible rental option for business vehicles.
      • Option to buy or take another lease at the end of your lease term.
      • Can lower your repayments by applying a residual payment.
      • Flexible loan terms of 1 to 5 years to suit your specific situation.

      Chattel mortgages

      • Secured loans for business vehicles.
      • Claim the 10% GST on the purchase price on your Business Activity Statement (BAS).
      • Tax-deductible repayments.
      • Can lower your repayments by applying a residual payment.
      • Flexible loan terms of 1 to 5 years to suit your specific situation.

      Commercial hire purchase

      • Hire purchase alternative to leasing business vehicles.
      • Full ownership at the end of the loan term.
      • Can lower your repayments by applying a residual payment.
      • Claim the 10% GST on the purchase price on your Business Activity Statement (BAS).
      • Flexible loan terms of 1 to 5 years to suit your specific situation.

      frequently asked questions

      Why do secured car loans have lower interest rates than personal (unsecured) car loans?

      A novated car lease is a three-way arrangement between your employer, a finance company and you. Your employer deducts the monthly lease payment (which includes the purchase price and running costs) from your pre-tax pay as part of a salary sacrificing arrangement. You therefore are using pre-tax dollars to pay for your car, and you pay less income tax.

      How does a novated car lease work?

      A novated car lease is a three-way arrangement between your employer, a finance company and you. Your employer deducts the monthly lease payment (which includes the purchase price and running costs) from your pre-tax pay as part of a salary sacrificing arrangement. You therefore are using pre-tax dollars to pay for your car, and you pay less income tax.

      How does a chattel mortgage work?

      A novated car lease is a three-way arrangement between your employer, a finance company and you. Your employer deducts the monthly lease payment (which includes the purchase price and running costs) from your pre-tax pay as part of a salary sacrificing arrangement. You therefore are using pre-tax dollars to pay for your car, and you pay less income tax.

      What is a residual (balloon) payment on a car loan?

      A novated car lease is a three-way arrangement between your employer, a finance company and you. Your employer deducts the monthly lease payment (which includes the purchase price and running costs) from your pre-tax pay as part of a salary sacrificing arrangement. You therefore are using pre-tax dollars to pay for your car, and you pay less income tax.

      Can you write off the cost of business vehicles under the instant assest write-off scheme?

      A novated car lease is a three-way arrangement between your employer, a finance company and you. Your employer deducts the monthly lease payment (which includes the purchase price and running costs) from your pre-tax pay as part of a salary sacrificing arrangement. You therefore are using pre-tax dollars to pay for your car, and you pay less income tax.

      Can I refinance my current loan?

      A novated car lease is a three-way arrangement between your employer, a finance company and you. Your employer deducts the monthly lease payment (which includes the purchase price and running costs) from your pre-tax pay as part of a salary sacrificing arrangement. You therefore are using pre-tax dollars to pay for your car, and you pay less income tax.

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      Simple Finance Group Australia