Motor Vehicle Finance

If you’re purchasing a vehicle for personal use, we can help you structure a loan that fits your lifestyle and budget.

Options may include:

• Fixed rate loans (repayment certainty) 
• Flexible loan terms 
• Balloon payments (if appropriate)

Know your budget before you start shopping

Just like a home loan, you can get pre-approval for a car loan before you step foot into a dealership.

This means you’ll know exactly:

• How much you can borrow 
• What your repayments will look like 
• Which loan structure suits you best

Why this matters

Walking into a dealership without pre-approval can put you on the back foot. With pre-approval, you’re in control.

Solstice Insight

Pre-approval puts you in the same position as a “cash buyer”—you choose the car, not the finance.

For business use

If the vehicle is for business purposes, there are additional options and potential benefits. The right structure depends on how the vehicle is used—this is where tailored advice really matters.

We can help with:

Chattel mortgage

• You own the vehicle 
• The lender takes security over it 
• Common for business vehicles 
• Potential tax benefits (speak to your accountant)

Special options for greener choices

If you’re considering an electric or hybrid vehicle, there may be additional finance benefits available.

Many lenders now offer specialised “green” car loan products, which can include:

• Lower interest rates 
• Reduced fees 
• More favourable lending policies

Why lenders offer this

As demand for environmentally friendly vehicles continues to grow, lenders are actively encouraging the transition by offering more competitive finance options for eligible vehicles.

How we help

We’ll:

• Identify lenders offering green vehicle incentives 
• Compare options alongside standard loans 

Ensure you’re getting the best structure and rate available

(What most people aren’t told)

Dealer finance can seem convenient—but it’s not always as straightforward as it appears.

The interest rate isn’t always the full picture

The rate quoted at the dealership may not reflect the true cost of the loan.

There can often be:

• Origination or establishment fees 
• Monthly account-keeping fees 
• Commission built into the rate 
• Balloon structures that increase total cost

When comparing car loans, it’s important to look at:

• Monthly repayment 
• Total cost over the life of the loan 
• Fees and charges 
• Loan flexibility ‍
• Suitability for your situation

We help you compare like-for-like, so you can make a confident decision.

• Break down the true cost of each option 
• Compare multiple lenders (not just one) 
• Structure the loan to suit your needs 
• Ensure there are no hidden surprises 

Why clients choose Solstice Finance

• Bound by Best Interests Duty (for consumer lending) 
• Clear, honest advice (no hidden surprises) 
• Access to multiple lenders 
• Personalised loan structuring 
• Support for both personal and business finance 
• Ongoing support and reviews

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