Finance
Flexible Finance for Your Automotive Journey.
At Inchcape, we know that financing a vehicle is an important part of your ownership journey, and it should feel flexible, confident, and convenient. That’s why our finance solutions from each of our brand partners are built around you, offering support at every step whether you’re choosing a new or used vehicle across Subaru, PEUGEOT, DEEPAL or FOTON.
Our aim is simple: make your car-buying experience faster, easier, and more transparent
Financial Services*
Financial specialists
Our team brings expertise across personal and commercial lending, including secured loans, and structured finance solutions.
We use that experience to provide clear explanations, transparent comparisons and practical, jargon-free guidance. With the basics covered properly, you can make a decision with confidence.
Multiple finance options
Our finance offering includes secured loans, commercial lending and tailored finance plans.
Each product is explained clearly so you know exactly how it works and what to expect.
Complete convenience
A dedicated Finance Specialist guides you through the process from start to finish.
With one specialist managing your application, you gain a clear understanding of each step and a more efficient, comfortable experience overall.
Explore Finance Options For Your Next Vehicle
Personalised Pricing
Each of our brands’ Financial Services programs offer personalised pricing based on a rate that's specific to you.
Your rate is determined by factors such as your personal circumstances and the structure of your loan.
The rates we offer are fixed for the term of your loan providing certainty and predictability.
To get started, contact our team today for a quote so we can help you get the keys to your new vehicle sooner.
Fixed Rate Consumer Loan
This is the typical loan to help you get the keys to your dream vehicle- available for new and used cars if the vehicle is for personal use. The maximum allowable age of a used vehicle at the end of the loan is up to 12 years depending on your eligibility criteria.
Eligible customers can also opt for a balloon payment at the end of their loan.
Repayments and interest rates are fixed, providing certainty over the course of your loan. Repayments can be made in fortnightly or monthly instalments, giving you the flexibility to manage your payment schedule.
Fixed Rate Chattel Mortgage
This is the typical vehicle loan option when you are acquiring a vehicle for your business.
This is available to ABN holders, provided the vehicle is to be used predominantly for business purposes.
Like a Consumer Loan, eligible customers can opt for a balloon payment at the end of their loan.
Repayments and interest rates are fixed, providing certainty over the course of your loan.
Repayments can be made in monthly instalments.
Guaranteed Future Value
Guaranteed Future Value is available on selected brands and to eligible customers.
Guaranteed Future Value gives you the peace of mind of securing a pre-determined trade-in value at the end of your loan term (provided the vehicle meets fair wear-and-tear and kilometre conditions).
A loan with a Guaranteed Future Value may offer lower repayments and provides multiple options at the end of the loan term:
- Upgrade your vehicle
- Retain your vehicle
- Return your vehicle
Loan Product Options
Fixed Rate Consumer Loan
This is the typical loan to help you get the keys to your dream vehicle — available for new and used cars if the vehicle is for personal use.
The maximum allowable age of a used vehicle at the end of the loan is up to 12 years (subject to eligibility criteria).
Eligible customers can also opt for a balloon payment at the end of their loan.
Repayments and interest rates are fixed, providing certainty over the course of your loan.
Repayments can be made in fortnightly or monthly instalments, giving you flexibility in managing your payment schedule.
*Credit criteria, fees, charges and terms and conditions apply. Approved applicants only. Finance is provided by IFSA Pty Ltd ABN 39 651 319 774 trading as Subaru Financial Services, PEUGEOT Financial Services, DEEPAL Financial Services and FOTON Financial Services, managed by Allied Retail Finance Pty Ltd ABN 31 609 859 985. Australian credit licence 483211. Available at participating Subaru Financial Services retailers only.
^The Guaranteed Future Value (GFV) is the minimum future value of your vehicle as determined by Subaru Financial Services (SFS), PEUGEOT Financial Services(PFS) and set out in your contract. At the end of the term, you can select from three options: (1) sell or trade-in the vehicle and repay your loan balance; (2) return the vehicle to us; or (3) retain the vehicle by paying the GFV amount, which is a lump sum amount owed to us at the end of the loan term. Total interest payable on the loan will be higher than a fixed rate loan if you select the GFV option. Monthly repayments will be lower compared to a similar loan term with no GFV or equivalent balloon final payment. Available on new and demonstrator Subaru or PEUGEOT vehicles for selected models only. Vehicle eligibility is subject to change. If you decide to return your car at the end of your term, SFS or PFS, or another person or entity with SFS's or PFS's agreement will purchase the vehicle from you for the GFV, which will be applied to reduce your outstanding loan amount. However, you will need to pay us an additional amount if the vehicle is damaged or you have travelled excess kilometres. Credit criteria, fees, charges and terms and conditions apply. Approved applicants only. Finance is provided by IFSA Pty Ltd ABN 39 651 319 774 trading as Subaru Financial Services and PEUGEOT Financial Services managed by Allied Retail Finance Pty Ltd ABN 31 609 859 985 Australian credit licence 483211.