Tradie Car Loans

Loan Wize personal car loans is a simple financial product for individuals whereby, we (finance company) lend the money directly to you (customer) for a low-interest rate as the loan is secured by a financial interest in the vehicle (car, tradie car, bus, van, truck, caravan, jet ski, motor, etc) that you are going to purchase. The car loans have flexible payment options to cater to your financial situation. The interest rate payable might depend on a range of factors, including your credit history and other financial obligations. With our personal car loan, we customise repayment scheme that’s convenient for you.

Benefits of Tradie Car Loan, UTE Loans / Chattel Mortgage

  • Flexible contract terms ranging from 24 to 60 months (two to five years)
  • A residual value (balloon) can be applied to the contract enabling the monthly repayments to be tailored to a budget
  • Fixed interest rates
  • Monthly repayments are fixed
  • Costs are known in advance
  • Deposit (either cash or trade-in) may be used
  • A tax deduction is available when the vehicle is used for business purposes
  • A customer who is registered for GST can claim the GST contained in the vehicle price as an input credit on their next Business Activity Statement (BAS)
  • No GST is charged on the monthly repayment or the contract balloon amount
  • The finance is secured against the vehicle, allowing lower interest rates

Truck Finance

Loan Wize Truck Loan financing is designed specifically for truck drivers and owners in across the country who want to expand or update their truck fleet. With a strong track record in all types of vehicle cars loans and business finance, and over 48 years of combined finance industry experience, we are specialists in all types of vehicle finance, including trucks and we can help you get the lowest finance rates to suit your truck purchase.

Our truck loans are designed to help customise repayment plans so to minimise the risk of them becoming a heavy burden to you. We have the business experience to help you choose the best type of loan and repayment plan to fit your business goals and budget.

Our financial consultants understand what is required to provide the right solution for you.

We Offer Loans for all types of trucks

  • Car Carrier
  • Semi Trailers
  • Concrete Truck
  • Crane Truck
  • Livestock Truck
  • Pantec Truck
  • Prime Mover
  • Refrigerated Truck
  • Tilt Tray Truck
  • Tip Truck
  • Water Truck
  • other Trucks

Why choose Loan Wize for your truck finance?

  • Compare hundreds of truck finance options with one call
  • 24-Hour pre-approval
  • No deposit
  • No application fees
  • No account keeping fees
  • Less Paperwork
  • Low and Reasonable Loan payment amount
  • Members of the professional broker association, MFAA
  • Holds Certificate IV in Mortgage Broking.

Car Leasing

Car leasing products fall into two (2) categories as either a finance lease or operating lease. They differ in the way they treat ownership, disposal and residual risk on the vehicle. Commercial Hire purchase options are available and function in a similar fashion to a loan to purchase an asset.

In order to decide on the most appropriate type of finance you first need to consider the following:-

  • Do you wish to own the asset at the end of the lease period?
  • Do you use the asset for business purposes more than 50% of the time?
  • Are you looking to finance the vehicle only, or do you also want a range of fleet management services?
  • How long do you intend to keep the vehicle and how many kilometres will you travel?
  • Do you want or need to show the asset on the company balance sheet?

Finance Lease

A finance lease (e.g. finance lease car) is a form of rental agreement under which you lease an asset for an agreed period and rental. A residual value is set up front to reflect the asset’s value at the end of the term. This accounted for on the balance sheet.

Under the conditions of most finance leases, you have no option or right to purchase the asset. However, it is common practice that most financiers will consider an offer from you to purchase the asset at the end of the term for the residual value. Alternatively, you may trade it in for a replacement, return it to the financier paying the difference between the residual and market value (residual risk) or even extend the lease for a further term.

Operating/Maintained Lease

A fully maintained operating lease offers an organisation the benefits of a hassle free method of vehicle usage. It is finance not shown on the balance sheet and in one monthly payment takes care of all costs associated with the vehicle i.e., all costs in relation to maintenance, insurance, finance are included. Once you decide on the motor vehicle required you simply decide on the length of the lease required and calculate how many kilometres you will travel in each year. Based on this the financier will calculate a monthly repayment. At the end of the lease term, you hand the vehicle back to the lender with no residuals or balloon payments required.

Fast Equipment Finance

Over the years, we at Loan Wize have built a strong reputation for securing equipment finance for our clients. For private clients, this includes equipment loans for all types of leisure, such as boating loans, caravan loans and jet ski finance.

Our business equipment loans can finance purchases such as cars, computer equipment, machinery finance such as truck loans and more. We specialise in helping small businesses such as tradies get on the road with new utes and trailers, or loans for vans and delivery vehicles.

Options for business owners include traditional equipment finance, leasing options, line of credit loans and more.

Equipment Loans Australia Wide

We provide equipment finance Sunshine Coast residents trust, but also offer help to find low rate equipment finance for private and business clients across Australia. All you have to do is call 1300 LOAN WIZE to start the process.

Once we understand what your loan is for and your current financial situation, we can then go to work to find the right loan to meet your needs.

Expanding a business or buying some fun new items for your leisure time is exciting. But often the paperwork of funding it efficiently can be difficult. So, leave it to the experts at Loan Wize. Contact us and get a fast, free quote on the equipment finance you want, and experienced advice that could help you save more.

Boat Loans

Don't be daunted by the prospect of Buying your first home

We provide low rate boat finance for our clients on the Sunshine Coast, Brisbane and across the country. Over the years, Loan Wize has become a trusted name when it comes to equipment, car and boat loans. We love the outdoors and specialise in finding the right loan to help Australians across the country enjoy the boating lifestyle.

Our team has the experience necessary to match you with the right boat loan, depending on your current financial situation. Everyone is different and the way you live your life will affect which boat loan is best for you. Let us do the hard yards and provide you with a fast, free boat finance quote.

When you take out finance for a boat, it can include other items too, such as a boat trailer and insurance for example. Just let us know what you are planning to buy, and we can package a loan that will is easy to understand and can be approved quickly.

“It does not matter whether you are buying a boat from a private seller or a dealer, new or second hand”

Along with private boat loans, we can also help secure business boat finance for our clients. This can be difficult to secure if you don’t know how to apply for it correctly. We have helped many businesses get the boat loans they need for a river cruise, sunset tour, and fishing charters.

It does not matter whether you are buying a boat from a private seller, or a dealer. The boat can be new or second hand. We can get the fast approval you need to avoid the disappointment of someone else buying the boat you want while you try to get a loan.

Boat Finance Sunshine Coast

We don’t just offer low rate boat loans Sunshine Coast residents can take advantage of. Our finance experts can help people get the boat finance on the Sunshine Coast or Australia wide. With so many opportunities and settings in Australia for you to enjoy operating your own vessel, it’s probably time you considered taking a boat loan to help you secure this one small dream of yours.

“A successful boat loan is not just one that gets approved easily, but one that won’t cost you an arm and a leg to pay off.”

A boat loan doesn’t only just help you find your sea legs or take the family out for a cruise. Who knows what other opportunities could be realised with a boat financing, especially if you live in a place that’s suited for the running of a boat hire service? There could be plenty of opportunities for you to pursue through a boat loan if any of these fit your idea of that next pursuit in life.

A successful boat loan is not just one that gets approved easily, but one that won’t cost you an arm and a leg to pay off. There’s plenty of reasons to believe why this could make for an impulsive decision, but with careful thought and planning, there’s no reason why you shouldn’t seriously consider how a boat loan could help bring you closer to your dreams and desires.

Experienced Sunshine Coast Lenders

Working with our team of experienced professionals, we can help you navigate the possibility of paying off your boat loan in a reasonable and achievable timeframe. So why put your dreams off for any longer when there are low rate boat loans available to help you get what you want?
Enquire today about how a boat finance could work for you, whether you are interested in securing one for purposes of leisure or a business. You never know how one opportunity could lead to another, and get yourself started with a low-interest rate boat loan could very well be your ticket to having some of your greater dreams fulfilled.

Jet Ski Loans

Low Rate Jet Ski Finance

If you are looking for a great deal on a jet ski loan, contact us at Loan Wize for a quote. We can offer you many options to suit your needs, with flexible terms and repayment options.

We are lucky to live in a country with such a great climate as Australia. In Queensland in particular, it is possible to enjoy the outdoors and ocean, lakes and rivers pretty much all year. If you are excited about getting on the water on your own jet ski, but just need the finance to make it happen, then we will offer you jet ski loans with the low rates you are looking for.

Why would you consider mortgage refinancing ?

Loan Wize are the Sunshine Coasts equipment, car and boat finance experts. This includes jet ski finance too. We are experienced at helping clients finance their jet skis in the best way to suit their own financial situation.

Whether you are buying a jet ski from a personal seller or from a jet ski dealer, we can help you afford it. Our team can arrange fast jet ski loans, so you don’t miss out on the deal. Our rates are very competitive and there is a good chance it will be a lower rate offered by jet ski retailers. Our loans can also be extended to include your trailers and other marine equipment that might be required as part of your purchase.

Caravan Finance

Low Rate Caravan Loans Australia

At Loanwize, we help our clients through all stages of their lives to obtain finance for the assets they want or need. We specialise in getting low rate loans for all sorts of items, from homes, to jet skis and boats, of course cars and even business loans. Along with this we can also help our valued clients get low rate caravan loans Australia wide.

Caravan finance is often required when people buy a caravan or campervan. Yes, there is the thrill of setting off on the open road, but first, there is the choice of how you are going to pay for it.
Our team is very experienced when it comes to caravan loans. Many caravan dealers cannot provide such finance for their customers and refer to Loanwize, as a trusted finance provider. This shows how reliable we must be as not caravan salesperson wants to miss a sale because their customers finance falls through.
When it comes to caravan finance, there are around twenty-five lenders we compare. Those with specialty caravan rates will usually have a better offer than those with just a personal loan.

Same Day Caravan Finance

For those who apply for a secured caravan loan and have their financials in order, we can offer get approval you need to buy your RV or caravan on the same day. Each application is different, however, so if you call us up and discuss your needs and where your finances are at, we will be able to offer an estimate on the time it will take for your caravan loan to be approved.

Testimonials

What our client says

Angus ferguson
Angus ferguson
September 19, 2020.
Verified
Jon and all the staff at Loan Wize have helped me and my family get the best home loan we could get on a number of occasions . As a military pensioner it’s not easy getting finance, Jon and his staff where Extremely professional and competent , I wouldn’t do my finance with anyone else.
Max Gray
Max Gray
September 16, 2020.
Verified
Excellent all round, fast and efficient. After being messed about by my own Bank for over 2 months for a small equity release to carry out renovations, dealing with Tammy and Julie was a breath of fresh air. We remortgaged in under 2 weeks with a better interest rate and terms.
Imogen Lunny
Imogen Lunny
July 19, 2020.
Verified
Awesome service - would highly recommend Tammy and the team
What A Day
What A Day
March 27, 2020.
Verified
All the staff at Loan wise are totally switched on always hunt for the best deals and are always friendly and have the time to listen to your needs and what you would like to achieve and accomplish This is the second lease I have done with them and I would have no hesitation recommending the to family or anyone else Always a Pleasure doing business with them Marcio
Sam Dixon
Sam Dixon
March 26, 2020.
Verified
Thankyou very much Jon and Haley from loan wise maroochydore. I bought my first house thanks to you guys, couldn't of done it with out you. Very professional service.
Blayde Hemmings
Blayde Hemmings
March 23, 2020.
Verified
Jon and Haley have been amazing to deal with throughout both of my house builds. Highly recommend Loan Wize.
Mark Hayman
Mark Hayman
February 11, 2020.
Verified
We have used Loanwize a few times and are always happy with the services. Will continue to recommend their services.
Epona Co. Beanbags
Epona Co. Beanbags
January 16, 2020.
Verified
The most hassle free loan application ever! The Loan Wize team was able to organise a car loan for our business with the least amount of paperwork and hassle we've ever experienced. Thanks guys. I look forward to working with you again!
Amit Gupta
Amit Gupta
December 25, 2019.
Verified
Jon and Haley are knowledgeable and easy to deal with, which made the whole experience a lot easier. By going to extra mile Jon helped us to obtain the best rate available. The communication we have had with Jon, Haley and Julie have been excellent with their constant phone calls and emails keeping us up to date. Excellent customer service provided by Loan Wize and I would highly recommend their services.
Andy Keeffe
Andy Keeffe
November 19, 2019.
Verified
The staff we're amazing to deal with and help through the whole process. Got me an amazing deal and got my finance super quickly.

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