Individuals have a range of options available when it comes to personal lending.

Speak to a lamb finance consultant to determine which product will suit you best.

Call us now on 1300 GO LAMB

Consumer Loan

A secured car loan typically uses your vehicle as security for the loan. The financier advances funds to the dealership or private seller of whom the individual chooses to purchase their car from. The individual makes repayments on the loan amount plus interest.

Some benefits of the car loan are as follows:

  • Fixed interest rate
  • Vehicle is secured against the loan
  • Residual Balance available
  • Flexible age of vehicle options
  • Deposit optional and flexible

Novated Lease

A novated lease is a form of salary packaging a car and all of its running expenses. The employee leases the vehicle through the financier and the employer take on the obligation to make repayment from the employee’s salary before tax or pre-tax salary. It is the most tax effective way for an individual using their vehicle for personal use to get GST savings on the purchase price of the car and income tax savings. Speak to one of our experienced LAMB finance novated lease consultants to discuss options for you.

Some benefits of novated lease are as follows:

  • No deposit required
  • Income tax savings
  • Upfront GST savings on drive away price
  • Motorpass card & fuel cards
  • Move jobs and take the lease with you

Regular Car Loan

  • Upfront GST Savings
  • Residual/Balloon Value Available
  • Private Use
  • Low Doc Loan
  • Car Allowance
  • Brand New Car Discounts
  • Trade Vehcile Allowed
  • Save Money On Tax
  • GST Claim On Finance Repayments
  • GST Claim On Car Price
  • No Deposit Required
  • Salary Packaging Tax Savings
  • Residual/Balloon Value Compulsary
  • Fleet Discounts On Brand New Cars
  • No Early Termination Charges
  • No Interest On Payout

Novated Lease

  • Upfront GST Savings
  • Residual/Balloon Value Available
  • Private Use
  • Low Doc Loan
  • Car Allowance
  • Brand New Car Discounts
  • Trade Vehcile Allowed
  • Save Money On Tax
  • GST Claim On Finance Repayments
  • GST Claim On Car Price
  • No Deposit Required
  • Salary Packaging Tax Savings
  • Residual/Balloon Value Compulsary
  • Fleet Discounts On Brand New Cars
  • No Early Termination Charges
  • No Interest On Payout

Personal Loan

  • Upfront GST Savings
  • Residual/Balloon Value Available
  • Private Use
  • Low Doc Loan
  • Car Allowance
  • Brand New Car Discounts
  • Trade Vehcile Allowed
  • Save Money On Tax
  • GST Claim On Finance Repayments
  • GST Claim On Car Price
  • No Deposit Required
  • Salary Packaging Tax Savings
  • Residual/Balloon Value Compulsary
  • Fleet Discounts On Brand New Cars
  • No Early Termination Charges
  • No Interest On Payout
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