A 4WD is rarely just the vehicle. Your 4x4 finance can cover the car on its own, the touring build, or both under one loan and one repayment, where the lender allows it. That means the canopy, tray, suspension and accessories can sit in the same finance as the 4WD itself.
Most people sort the vehicle first and worry about the build later. The catch is two repayments at two different rates, which usually costs more across the term. Folding the setup into the one loan keeps it simple, saves you on fee's, and protects your credit score form multiple enquiries.
That is where a panel matters. Our team compare over 50 different lenders and 100's of options to find the best deals that meet your needs and save you money. So you can make your weekend rig or work ute come together quick, easy and stress-free.
We can arrange finance for 4WD's that are new and used, for dealer purchases and private sales, for personal or business use, for vehicles with higher kilometres and extensive modifications, and for buyers who want pre-approval before they start negotiating.
Getting pre-approved first means you walk in knowing your number, so you can negotiate on price instead of scrambling for finance after you've found the car. Regardless of the vehicles details, whether you;ve found the car or not, and whether you're financing the 4WD on it's own, or the build and accessories too, the application and the steps to approval are the same.
In many cases, yes. Where a lender accepts it, the build can be financed alongside the 4WD, so a tray, canopy, suspension or accessories go into the same loan rather than onto a credit card or a second personal loan. A serious touring build can run well past $20,000, so this matters.
Depending on the lender and your situation, finance can cover upgrades such as:
• Suspension and GVM upgrades
• Trays and canopies
• Bull bars and winches
• Wheels and tyres
• Roof racks, rooftop tents and awnings
• Storage and drawer systems
• Dual battery and electrical systems
• Lighting and towing upgrades
• Trade fit-outs and touring setups
You can include the build when you buy the vehicle, after your loan has settled and even if you've picked up the car, or fund a build on a 4WD you already own. Not every lender funds the full build, and some want the work done by an approved fitter, so it pays to check the details before you commit.
That's where our team can assist you. We help people to finance their 4x4's and builds everyday, so can do the heavy lifting and leg work to compare options and find the right lender and option for your situation.
The thing most buyers miss is looking past the headline rate. Fees, the loan term, early payout conditions, a balloon, and whether the build can be included all change what the finance actually costs you. Our job is to make that side clear and suited to how you'll use the 4WD.
Some of the things we consider when doing comparisons for you include:
• Interest rates and the comparison rate
• Loan terms and repayment options
• Deposit requirements
• Balloon or residual options, where suitable
• Personal or business finance structures
• Vehicle-plus-accessory finance, or build-only finance
• The ability to make extra repayments and payout early
You won't have to figure any of this out alone. You'll have your own dedicated lending specialist to walk you through the structure, the repayments and the detail, so the finance works for how you actually use the vehicle.
Take a recent example. A customer wanted an older LandCruiser and a full touring build. Most lenders would have hit the vehicle's age with a higher rate or a shorter term, which pushes repayments up. We arranged a secured personal loan, with the car as security, so the age mattered less, and we built the accessory funds in on top of the purchase price.
They bought the 4x4 and had it kitted out, ready to travel, in the same week.
Low Rate Secured Car Loan Specialists
A secured car loan is a type of loan used to purchase a vehicle where the loan is secured against the car itself. This means that the lender holds the car as collateral until the loan is fully repaid.
The car being purchased is used as security for the loan, which means that if the borrower defaults on the loan, the lender has the right to repossess the vehicle to recover the outstanding debt. Because the loan is secured, the interest rates on a secured car loan are generally lower than those for an unsecured loan.
Apply for a car loan
Get the Best Business Car Finance
A business car loan is a facility used to fund the purchase of a vehicle for business purposes. The type of vehicle can vary in make and model, depending on the type of business it will be operating for. This product can best suit business owners, self-employed applicants with a valid ABN, or company managers and directors. There are several options available in this category of loans including Low Doc Car Loans, No Doc Car Loans, Truck Loans, Transport & Equipment Loans and more.
At Fox Finance Group, we’re committed to providing outstanding customer service and treating each customer with respect and integrity. We understand that finding a business car loan can be time consuming, which is why we’ll do all of the legwork for you. We can help you find business car finance that fits your budget and enables you to get the business vehicle you need.
Apply for a business car loan
Let us Help You Get the Best Classic Car Finance Today!
We’re the Classic Car Finance experts! We get your passion for old school! We have been helping our clients with low rate classic car finance since 2006. The knowledge and expertise that we have gained over the years allows us to fully understand your passion and just about every model car thrown our way. We can also help you finance your new pride and joy whether you are buying from a classic car dealer, or a private seller.
Apply for a classic car loan
Bad Credit Car Loans Made Simple
Fox Finance Group takes pride in our extensive knowledge of lending to all varieties of client profiles. We understand that people experience unexpected events that may affect their credit score. Through our strong product knowledge, and relationships we have built with lenders, we have the ability to negotiate and compare the best options suited to your profile. If you’d like to know how much you qualify for before proceeding, we can discuss obtaining a pre-approval for you, which will entail all details of your loan before you commit to settlement. This is an obligation free service that we provide our customers.
Apply for a bad credit car loan
Private Sale Car Loans Made Simple
If you have just found your next sedan, 4WD, ute, hatch, or any other vehicle privately and you need some finance to purchase it, we’d love to help. Our knowledge and expertise in private sale car loans is demonstrated through our streamlined customer process. We make all arrangements for you with the private seller, all you’ll have to do is negotiate a price! This is an obligation free service that we provide our customers.
Apply for a private sale car loanLow Rate Secured Car Loan Specialists
A secured car loan is a type of loan used to purchase a vehicle where the loan is secured against the car itself. This means that the lender holds the car as collateral until the loan is fully repaid.
The car being purchased is used as security for the loan, which means that if the borrower defaults on the loan, the lender has the right to repossess the vehicle to recover the outstanding debt. Because the loan is secured, the interest rates on a secured car loan are generally lower than those for an unsecured loan.
Apply for a car loanGet the Best Business Car Finance
A business car loan is a facility used to fund the purchase of a vehicle for business purposes. The type of vehicle can vary in make and model, depending on the type of business it will be operating for. This product can best suit business owners, self-employed applicants with a valid ABN, or company managers and directors. There are several options available in this category of loans including Low Doc Car Loans, No Doc Car Loans, Truck Loans, Transport & Equipment Loans and more.
At Fox Finance Group, we’re committed to providing outstanding customer service and treating each customer with respect and integrity. We understand that finding a business car loan can be time consuming, which is why we’ll do all of the legwork for you. We can help you find business car finance that fits your budget and enables you to get the business vehicle you need.
Apply for a business car loanLet us Help You Get the Best Classic Car Finance Today!
We’re the Classic Car Finance experts! We get your passion for old school! We have been helping our clients with low rate classic car finance since 2006. The knowledge and expertise that we have gained over the years allows us to fully understand your passion and just about every model car thrown our way. We can also help you finance your new pride and joy whether you are buying from a classic car dealer, or a private seller.
Apply for a classic car loanBad Credit Car Loans Made Simple
Fox Finance Group takes pride in our extensive knowledge of lending to all varieties of client profiles. We understand that people experience unexpected events that may affect their credit score. Through our strong product knowledge, and relationships we have built with lenders, we have the ability to negotiate and compare the best options suited to your profile. If you’d like to know how much you qualify for before proceeding, we can discuss obtaining a pre-approval for you, which will entail all details of your loan before you commit to settlement. This is an obligation free service that we provide our customers.
Apply for a bad credit car loanPrivate Sale Car Loans Made Simple
If you have just found your next sedan, 4WD, ute, hatch, or any other vehicle privately and you need some finance to purchase it, we’d love to help. Our knowledge and expertise in private sale car loans is demonstrated through our streamlined customer process. We make all arrangements for you with the private seller, all you’ll have to do is negotiate a price! This is an obligation free service that we provide our customers.
Apply for a private sale car loan
Provide some details about yourself, your loan objectives, and the car you want to buy.
Our car loan Lending Specialists will run through all of the finer details to get your vehicle finance underway.
We'll get you approved with the lender best suited to your individual profile. You'll be able to go car shopping, knowing exactly what you can purchase!
Once everything is verified, we'll walk you through a simple contract signing process.
We'll communicate with your lender through the entire settlement process. You'll know exactly when you can pick up the new car!
Provide some details about yourself, your loan objectives, and the car you want to buy.
Our car loan Lending Specialists will run through all of the finer details to get your vehicle finance underway.
We'll get you approved with the lender best suited to your individual profile. You'll be able to go car shopping, knowing exactly what you can purchase!
Once everything is verified, we'll walk you through a simple contract signing process.
We'll communicate with your lender through the entire settlement process. You'll know exactly when you can pick up the new car!
4WD Car finance is when a vehicle finance company lends you the money to buy an off-road vehicle and they will hold security over that vehicle for the duration of the loan. 4WD Car finance can be used for personal use (a consumer car loan) or commercial use (business vehicle loan). We’ve assisted thousands of customers with 4WD finance approvals, this is what we do all day every day. Give us a call for an obligation free chat on 1300 665 906.
Yes, we are finding more people are now preferring to find their next off-roader from a private seller. We can also help with dealer and auction purchases as well. Some used 4-wheel drive vehicles may require a vehicle inspection prior to payment – please discuss with our team prior to purchase. Speak with one of our private sale car finance specialists on 1300 665 906 or apply now – it’s obligation free.
No! Our interest rates will only vary based on the assessment of your individual credit history, income, and banking conduct. It’s our mission to find you the best 4WD finance deal available for your personal circumstances. Speak with one of our 4WD finance specialists today, obligation free on 1300 665 906.
The good news is that some of our financiers don’t have any early termination fees. Fox Finance Group can arrange many different loans with many different financiers. However, some lenders do have an early payout penalty so it’s best to talk to one of our team about all your options. As part of our process, your 4WD Lending Specialist will explain these and all other terms with you prior to you accepting our loan offer. Speak with one of our 4WD car loan specialists on 1300 665 906 or apply now – its obligation free.
Our pre-approval process costs you nothing and commits you to nothing. You are in control of the process the whole way. It is important to note that there is No Fee if Fox Finance Group isn’t able get a suitable approval for you or you decide not to proceed with our loan approval offer. Once approved, there is a once off brokerage fee to cover the costs involved with our services including the set-up, approval and/or establishment of your loan. Most clients opt to have this cost financed as part of their overall loan, which means that you have no initial cost prior to your first repayment. This fee varies based on the complexity and amount of the loan so please feel free to contact us to get an exact quote for your scenario. Many of our loans have no monthly or ongoing account keeping fees.
There is No Fee if Fox Finance Group isn’t able get an approval for you, or you decide not to proceed with our 4×4 finance approval. Apply now.
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