Finance Solutions

Welcome to the Finance Department at Peninsula Suzuki. We know that purchasing a vehicle outright is right out of reach for many people so finding a Finance solution that works for you can be just as important as finding the right vehicle.

At Peninsula Suzuki, we have a range of Finance options to suit every budget. Why not explore what we can do for you and take home the right vehicle, right now!

Please feel free to use our online Finance Enquiry Form to get a quick and accurate response on financing your next vehicle.

 

Suzuki Consumer Loan

The Suzuki Consumer Loan is designed to allow you to keep it simple and choose your repayment period and make regular monthly instalments, with a fixed interestrate. You can repay the Suzuki Consumer Loan in full by equal payments over your chosen loan period OR you can defer part of the cost of your Suzuki to the end of the Suzuki Consumer Loan with a larger final payment – this enables you to lower your regular monthly instalments.

You can also make additional payments throughout the lifetime of the loan that will lower the amount of interest you pay and shorten the term of the loan. In addition, you can choose to fully repay your Suzuki Consumer Loan early and own the vehicle sooner.

 

If you choose to have a larger final payment, then when it falls due you have three options:

1. Buy a New Suzuki

Trade in your existing vehicle and use its value to pay the final payment and enter into a new Suzuki Consumer Loan.

2. Keep your Suzuki

Pay the final payment or refinance the final payment for up to 3 more years.

3. Sell your Suzuki

Pay the final payment and sell your vehicle.

  • Suitable for non-business customers
  • Choose from a range of deposits
  • Choose your repayment period, up to 5 years
  • Add flexibility by tailoring your final instalment
  • Regular fixed monthly instalments
  • Fixed interest rate
  • At the end of the Suzuki Consumer Loan, you have 3 options

Allows the advantages of leasing for private customers, and is suitable when you use the vehicle for personal use. You can tailor your monthly payments by selecting the term (up to 5 years) and residual value, with payments in advance or arrears. This product has fixed monthly rental repayments and puts you in control of your financial budget.

  • Suitable for non-business customers
  • Choose a range of deposits
  • Choose your repayment period, up to 5 years
  • Add flexibility by tailoring the residual value
  • Regular fixed monthly rental instalments

Suzuki Business Loan

The Suzuki Consumer Loan is designed to allow you to keep it simple and choose your repayment period and make regular monthly instalments, with a fixed interestrate. You can repay the Suzuki Consumer Loan in full by equal payments over your chosen loan period OR you can defer part of the cost of your Suzuki to the end of the Suzuki Consumer Loan with a larger final payment – this enables you to lower your regular monthly instalments.

This product is a Commercial Hire Purchase which offers business users advantages that assist with cash-flow. The business user can tailor Suzuki Commercial Plan by selecting the contract term (up to 5 years), include a deposit, and nominate a larger final instalment to lower the regular monthly instalments to suit your budget. If the vehicle is used for income generating purposes, the interest charges and depreciation on the vehicle may be tax deductible.

This is a Suzuki Chattel Mortgage, which potentially offers business customers tax efficiency advantages that assist with cash-flow. If you are a customer that is registered for GST you may be entitled to input tax credits (ITC) with respect to your acquisition of the vehicle. The vehicle is owned by you and you can tailor your payments by selecting the term (up to 5 years) and incorporating a larger final payment. Other flexible arrangements to match your cash flow can be arranged, such as seasonal payments and/or any GST refund being paid into the loan to reduce your regular monthly repayments and interest charges. Interest rates are fixed for the life of the loan. If the vehicle is used for income generating purposes, the interest charges and depreciation on the vehicle may be tax deductible.

This finance lease product allows the business customer to utilise a vehicle without tying up capital. The lease can be tailored with rentals in advance or arrears, flexible terms up to 5 years and a residual value that is set to reflect the vehicle’s usage and ATO guidelines. GST is included in each rental and the residual value. If your business is registered for GST, you may be able to claim an ITC for this GST. Where the vehicle is used solely for business purposes, a tax deduction for the full rental may be available.

This product enables employees to salary-package their vehicles. The employee selects their Suzuki and, in conjunction with their employer, signs a novated lease agreement for an agreed term (up to 5 years) with monthly rentals and a final residual payment which is based on the minimum according to ATO guidelines. The monthly lease rentals, net of GST, may be taken from the employee’s pay reducing taxable income. The employer pays the full monthly rental including GST to Suzuki Automotive Finance and may be able to claim the GST as an ITC.

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