What documents will I need?
1. Drivers Licence
2. Proof of where you live. - Lease, letter from landlord (if boarding) etc
3. Proof of Income for 1 month - payslips, centrelink statement etc
4. Bank Statements for 2 months
5. Credit File - (if necessary we can supply a copy for $25)
6. $100 - The $100 dollars is an application fee and is refundable if the finance isn't approved
Do I need a Deposit?
We now have a quality range of cars from NO DEPOSIT to $2000 deposit, depending on what car it is you are looking at. We are also able to fit around you with the ability to hold the car for up to 2 weeks, so you can get the rest of the deposit together!
What if I want to Trade my Old Car?
We do look after trade-ins for you. It is as simple as bringing the car with you when you come to the yard and we'll and give you a great price which will come off the deposit!
What about Warranty?
All of our cars come with a comprehensive 1000km warranty and if you need more, we can also put a 12 month unlimited KM warranty (with roadside assist!) on the loan for you, so you get extra protection with no extra upfront cost!
What about registration?
Your new quality car from Cars on Terms will include 6 months registration that is applied to your car on the DAY that you pick it up, instead of getting the left-overs of whatever is left on there! We also transfer the registration into your name within 14 days of purchase so you own the car, we don't retain possession while you pay it off!! On top of this, pensioners can claim their concession registration through us, so you can get everything you're entitled to with no fuss.
What are the Car Prices?
All of our prices are able to be viewed on our website.
All of the listed prices on the site include a full 6 months registration, all government Stamp Duty and Transfer Fees, a thorough and legitimate Roadworthy Certificate and the Comprehensive Warranty! Everything you need to get on the road now!!
What if I have an impaired credit history?
We specializes in approving applications based on your current and future financial positions, unlike others who may penalise you for past mistakes. *
What happens if I miss a payment?
We understand things happen. All we ask is that you keep us informed. We are always here to help.
Will this help me obtaining Credit in the future?
Cars on Terms is Licensed under the National Consumer Credit Code. We are also a Credit Reference Provider. So getting finance through us may assist you apply for credit in the future *
- Frequently Asked Questions
How do I Apply
To apply, it is as easy as coming down to the yard, having a chat to us, picking a car you like and making an application.
How Long does Approval take?
Once we have the documentation we need, we are usually able to give you an answer within 1 working day!
Is it easy to get approved?
See our "Testimonials" page for people we've approved
See our "Apply Now" page for the information we will need to get things happening for you.
Is it a lease/Rental?
No, it is not a lease or a Rental. You own the car immediately
Do we own the car immediately?
Yes ! You are the legal owner of the vehicle from the minute of pickup, not just when the loan is finalized.
Australian Credit License: 391299