Finance

With forty years experience in the Financial Motor Vehicle Industry, we an offer you the most affordable finance, given your needs and capacity. At Bay City Autos, we understand that when it comes to purchasing your next vehicle you want the process to be as uncomplicated and efficient as possible.

No problem! We can arrange same day finance for your next purchase be it new or used.

The process couldn’t be easier... simply choose the car that’s right for you, negotiate your deal with one of our helpful, experienced sales staff and you will be able to drive the car of your choice home the same day.

We can tailor a car loan to suit your requirements, be it for business or personal use. At Bay City Autos, our friendly team treat you as an individual and not a number. To arrange a personal, confidential appointment, please do not hesitate to contact us and arrange a suitable time to discuss your needs.

T.A.P. and time permitting

Motor Vehicle Loan

If your car is mainly for personal or business use and you eventually want to own it outright, the Motor Vehicle Loan could be all you need.

Features:

• Loan terms of between 1 - 7 years to allow repayments to suit your budget.
• Standard loan may include loan protection that will cover your repayments in case of unemployment, disability and death.
• Ability to make repayments fortnightly or monthly.
• Repayments can be made via direct debit from a nominated bank account, B’pay or via a coupon book.
• No deposit finance.
• Consolidation of loans available.

Benefits:

• Fast approval.
• Apply over the phone.
• First month repayment is due one month after contract settles.
• Repayments fixed for the term of the contract.
• Interest calculated daily on current balance.
• Interest rate lower than standard unsecured personal loan as we hold security over vehicle.

Motor Vehicle Novated Lease

Typically for employees who wish to choose their own company car then salary sacrifice the monthly payments. Novated Leases are usually three-party arrangements in which we buy the vehicle, and the employer pays the employee’s monthly rental payments in pre-tax dollars.

Features:

• Your employer will pay your payments as negotiated in your salary package.
• Payments are made from your pre-tax salary.
• You can take your car with you when moving between employers.
• Loans start from as low as $5,000
• 100% finance.
• Repayments can be made via direct debit from a nominated bank account, B’pay or via coupon book.

Benefits:

• Fast approval.
• Apply over the phone.
• You are able to choose your own vehicle.
• Novated leases are portable and can be easily transferred to a new employer.
• Repayments fixed for the term of contract enabling you to budget your expenditure.
• Potential FBT and income tax benefits.