Miss Moneypenny Finance Brokers
Car Loan Specialists
Car Finance Made Easy
- Fast Approvals
- Competitive Rates
- Personalised Service
- Tailored Packages
About Us
At Miss Moneypenny, we specialise in financial solutions for motor vehicles, leisure vehicles and commercial equipment for a divese range of clients, including international students. We are able to offer a variety of lenders at competitive rates to achieve our customer's specific needs. In addition, we also source the vehicle or asset for you.
UNDERSTAND
ASSESS
APPLY
UNDERSTAND
ASSESS
APPLY
Our brokers work to understand the customer, their budget, asset requirement and lending profile. We then apply our expert knowledge of asset finance and the lending criteria of our panel of lenders to determine the customer's tailored rate.
Our Services
CAR FIND SERVICES
Car Find Services
In addition to financial assistance, we utilise our vast network of wholesalers and car dealers to source the perfect vehicle for you within your price range. Miss Moneypenny handles the entire process including the roadworthy certificate, vehicle transfers and motor vehicle insurance on your behalf.
INTERNATIONAL STUDENTS
International Student Loans
It can be extremely difficult to borrow money from the banks for a car while you are studying. Miss Moneypenny offers options through other lenders at competitive rates for your car loan. If you have a Victorian licence (including learner permit) and have employment, WE CAN HELP.
CARS & UTES
Cars & Utes
Whether you are purchasing your first car, upgrading to a family SUV or trading up to a grunty 4x4, we can find the best rate finance solutions from a panel of leading Australian bank and non-bank lenders.
SECURED LOAN
Also known as a consumer loan or a car loan, you'll borrow the money from the lender who will then hold security over the vehicle. This can be beneficial as you will often get a lower rate. Ownership is taken at the time of purchase and the lender takes an interest in the vehicle as security for the loan. Once your contract is completed you'll own the vehicle outright. Note that should you not be unable to make your repayments, the lender may be able to repossess your vehicle.
PERSONAL LOAN
Also known as a consumer loan or a car loan, you'll borrow the money from the lender who will then hold security over the vehicle. This can be beneficial as you will often get a lower rate. Ownership is taken at the time of purchase and the lender takes an interest in the vehicle as security for the loan. Once your contract is completed you'll own the vehicle outright. Note that should you not be unable to make your repayments, the lender may be able to repossess your vehicle.
NOVATED LEASE
A novated lease is an agreement between your employer, a finance company and yourself. When you choose the car you want, you then enter into a finance agreement in your own name. Then you, your employer and the finance company all sign a novation agreement. Your employer will make the monthly lease payments to the finance company, and you can use the vehicle as part of a salary packaging arrangement. With that agreement, most of the lease, running costs of the vehicle and fringe benefits tax (FBT) are deducted from your pre-tax salary. Your income tax is then calculated on your reduced salary, which can increase your net disposable income.
CHATTEL MORTGAGE
A chattel mortgage is a commercial finance product which is the same as a secured car loan, only for assets that being used more than 50% of the time for business purposes. for business. If you are using your car for business purposes more than 50% of the time. Much like a secured car loan, the lender will provide the funds for you to purchase the vehicle and you’ll take ownership at the time of purchase. The lender takes a ‘mortgage’ over the vehicle as security for the loan. Once the contract is completed you’ll own the vehicle outright.
LEISURE LOANS
Leisure Loans
Enjoy your leisure time doing the things you love. Be it boating or jet skiing, hitting the highways looking for adventure in a caravan or cruising on a motor bike we can offer you finance solutions
MOTOR BIKE
PERSONAL LOAN
Also known as a consumer loan or a car loan, you'll borrow the money from the lender who will then hold security over the vehicle. This can be beneficial as you will often get a lower rate. Ownership is taken at the time of purchase and the lender takes an interest in the vehicle as security for the loan. Once your contract is completed you'll own the vehicle outright. Note that should you not be unable to make your repayments, the lender may be able to repossess your vehicle.
SECURED LOAN
Also known as a consumer loan or a car loan, you'll borrow the money from the lender who will then hold security over the vehicle. This can be beneficial as you will often get a lower rate. Ownership is taken at the time of purchase and the lender takes an interest in the vehicle as security for the loan. Once your contract is completed you'll own the vehicle outright. Note that should you not be unable to make your repayments, the lender may be able to repossess your vehicle.
CARAVAN
PERSONAL LOAN
Also known as a consumer loan or a car loan, you'll borrow the money from the lender who will then hold security over the vehicle. This can be beneficial as you will often get a lower rate. Ownership is taken at the time of purchase and the lender takes an interest in the vehicle as security for the loan. Once your contract is completed you'll own the vehicle outright. Note that should you not be unable to make your repayments, the lender may be able to repossess your vehicle.
SECURED LOAN
Also known as a consumer loan or a car loan, you'll borrow the money from the lender who will then hold security over the vehicle. This can be beneficial as you will often get a lower rate. Ownership is taken at the time of purchase and the lender takes an interest in the vehicle as security for the loan. Once your contract is completed you'll own the vehicle outright. Note that should you not be unable to make your repayments, the lender may be able to repossess your vehicle.
BOAT
PERSONAL LOAN
Also known as a consumer loan or a car loan, you'll borrow the money from the lender who will then hold security over the vehicle. This can be beneficial as you will often get a lower rate. Ownership is taken at the time of purchase and the lender takes an interest in the vehicle as security for the loan. Once your contract is completed you'll own the vehicle outright. Note that should you not be unable to make your repayments, the lender may be able to repossess your vehicle.
SECURED LOAN
Also known as a consumer loan or a car loan, you'll borrow the money from the lender who will then hold security over the vehicle. This can be beneficial as you will often get a lower rate. Ownership is taken at the time of purchase and the lender takes an interest in the vehicle as security for the loan. Once your contract is completed you'll own the vehicle outright. Note that should you not be unable to make your repayments, the lender may be able to repossess your vehicle.
CHATTEL MORTGAGE
A chattel mortgage is a commercial finance product which is the same as a secured car loan, only for assets that being used more than 50% of the time for business purposes. for business. If you are using your car for business purposes more than 50% of the time. Much like a secured car loan, the lender will provide the funds for you to purchase the vehicle and you’ll take ownership at the time of purchase. The lender takes a ‘mortgage’ over the vehicle as security for the loan. Once the contract is completed you’ll own the vehicle outright.
* If the intention is to use your boat for business 50% of the time then a chattel mortgage is a great option to get into on the water.
EQUIPMENT LOANS
Equipment Loans
If you are looking to invest in machinery, heavy-duty vehicles or equipment we can help tailor a finance solution to suit your needs
ASSET FINANCE
The financier purchases the equipment on behalf of the customer. The customer then pays the financier a fixed monthly lease rental for the term of the lease. When the lease is over the customer has the option to pay a residual on the lease and take ownership of the equipment, sell the equipment or re-finance the residual and continue the lease.
EQUIPMENT RENTAL
The financier purchases the equipment on behalf of the customer and rents it to them for fixed payments over a fixed period. After completion of the contract the customer can hand back the equipment to the financier without any further cost, or continue the rental agreement. The customer can also buy the equipment outright at market value.
COMMERCIAL HIRE PURCHASE
The financier agrees to purchase the asset on behalf of the customer then hire it back to the customer over a set period of time. The customer has use of the asset for the term of the contract but it is not the owner until the total price of the asset and interest charge have been paid in full.
CHATTEL MORTGAGE
A chattel mortgage is a commercial finance product which is the same as a secured car loan, only for assets that being used more than 50% of the time for business purposes. for business. If you are using your car for business purposes more than 50% of the time. Much like a secured car loan, the lender will provide the funds for you to purchase the vehicle and you’ll take ownership at the time of purchase. The lender takes a ‘mortgage’ over the vehicle as security for the loan. Once the contract is completed you’ll own the vehicle outright.
Contact
We would love to hear from you
Email:
mharvey@missmoneypennybrokers.com.au
Phone:
0433 298 937