Used 2003 Ford Falcon XR6T BA Sedan for sale in Chermside, QLD – $9,999.00

Details

• Vehicle 2003 FORD Falcon XR6T BA
• Price $9,999.00 DriveAway
• Condition Used
• Year 2003
• Odometer 198000 KM
• Registration 152KMV
• Transmission M
• Colour Red
• Body Style Sedan

Description/Comments

XR 6 Turbo in a manual !!! This one owner is stock standard, has black leather with red stitching and looks mint ! Comes with current QLD rego, current road worthy certificate (RWC), all on roads Govt. charges and stamp duty included in this great price!! Fast & easy finance available. Drop in today for a test drive.

Registration Number: 152KMV

VIN Number: TBA.

$9,999.00 Drive Away

(price correct as at 9-Feb-2016)

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Features

• Dual Airbag Package
• Anti-lock Braking
• Air Conditioning
• 17 Inch Alloy Wheels
• Body Kit
• Cruise Control
• Central Locking Remote Control
• Driving Lights
• Engine Immobiliser
• Limited Slip Differential
• Leather Steering Wheel
• Power front seat Driver
• Power Mirrors
• Power Steering
• Power Windows
• Radio CD with 4 Speakers
• Rear Spoiler
• Seatbelts – Pre-tensioners Front Seats
• Sport Seats
• Sports Suspension
• Trip Computer
• Traction Control System
• 17 Inch Alloy Wheels
• Air Conditioning
• Anti-Lock Braking
• Body Kit
• Central Locking Remote Control
• Cruise Control
• Driving Lights
• Dual Airbag Package
• Engine Immobiliser
• Leather Steering Wheel
• Limited Slip Differential
• Power Front Seat Driver
• Power Mirrors
• Power Steering
• Power Windows
• Radio CD with 4 Speakers
• Rear Spoiler
• Seatbelts – Pre-Tensioners Front Seats
• Sport Seats
• Sports Suspension
• Traction Control System
• Trip Computer

 

Aussie Loans have been operating since 1999 and are 100% Australian owned. Our experienced staff are committed to providing fast friendly service, helpful advice, flexible options and great deals.

Contact Aussie Loans today on 1300 256 267 or via email info@aussieloans.com.au.

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Aussie Loans

Car Loans – Tips for Fast Car Loans Approval

Car Loan approvals can be complicated in the process if you are not prepared for them. However, there are things you can do that can put you into a better position to deal with this. Be as prepared as you can be and have any other borrowers going on the loan prepared as well. Knowing what is required with the lending system means you will be able to be provide all the upfront paperwork at the start which will mean you will encounter less problems and get a quicker response which will allow accessing your car loans money more quickly and easily.

Your car loan can be approved both before and after you choose your car. The basic guide for a fast loan application process is as follows:

1: Firstly prepare your documentation including proof of ID, evidence of income and confirmation of address.

Proof of ID

Applying for a car loan is a serious financial and legal commitment. Your identity must be confirmed to ensure that legal requirements are met and that the loan is secured by a person who is able to face the repayments. There is one exception to this rule and that is if you are securing an additional loan from a financial institution that you have already secured one from.

For all car loans, you need to provide 100 points of ID to the lender. Legitimate options include a drivers license, medicare card, bank card, utility bills, bank statements or other documents that have your current address and/or signature.

Evidence of income or employment

A loan is given based on the applicant’s income, living expenses and any outstanding debts. You must provide evidence to show the amount of income you make in a period of time. It should also include the type of work for e.g. full-time, part-time or self-employed. Applicable documents include:

-copies of each applicant’s most recent payslips

-a letter from an employer stating income and length of employment

-a tax return no more than 18months old

-self-employed will need profit and loss statements and/or tax assessments

2. Assets that will contribute to your financial circumstance

Because Car loans are awarded based on your financial circumstances it is important that you paint an accurate picture for the creditor. A list of your assets can increase the amount you can be loaned and or support your ability to repay a loan amount. Example assets to declare for car Loans  include:

-bank account statements

-share portfolio

-property or land registry documents

-Motor vehicles, boats or other personal effects owned

 

3. Debts to declare for Car Loans

Debts also need to be declared as they will be used to assess your financial viability. Loans or debts that should be disclosed include:

-Credit card debt

-Personal loans

-Mortgage

-Study loans

 

4 Vehicle details for the Car Loans

The choice of vehicle depends on several factors that will inform your decision. Such things you need to consider are budget, purpose and age of vehicle. The more decisions you can make before the loan application process the more smoothly it will run.

Once you have chosen a vehicle that meets your needs your lender will require a dealer invoice, copies of the registration and proof of the insurance cover.

Keep the process in mind from the outset. Obtain your documentation at the same time you are looking for a vehicle. The two will go hand in hand in securing a loan smoothly and without major complications or delays.

 

Aussie Loans

Car Finance Broker versus Dealer Finance

car finance broker dealer finance

You have been looking for a vehicle of your dreams or for your business and you have found the car you want. What about finance? There is a chance you could get carried away with your find and lock yourself into a financial agreement that does not suit your lifestyle options or does not adequately take into consideration your repayment ability.

Ideally you will look into financing before you look at making a vehicle choice. However, sometimes it may require you to search for appropriate vehicles first to establish a suitable budget. So, at times, the two can go hand in hand. There are many finance options and choosing wrongly or quickly can cause major headaches as time goes on.

Let’s have a look at the two most obvious types of vehicle finance: Car Finance Broker versus Dealer Finance.

Car Finance Broker

This financial service is an independent lender outside of any particular market such as motor vehicles, boats or real estate. Their focus is on the terms, agreement and the credit amount being offered. They have an obligation to assess a debtors circumstances before offering any amount for lending.

Here are the benefits of using a car finance broker

*They offer a range of car loans for both personal and business including:

-Secured

-Unsecured

-Novated Lease

-Finance Lease

-Commercial Hire Purchase

-Chattel Mortgage

*Links to multiple lenders and partners to obtain credit – chosen by the broker and customer together

*Offer multiple finance terms to suit customer circumstance

*Professional and registered financial lenders

 

Disadvantages of Car Finance Brokers

*Co-ordinate the offers from multiple lenders they may prioritise particular lenders

*They offer multiple loans and may not have extensive expertise with car loans compared with Car Dealer Finance

*They do not have direct access to vehicle purchasing

 

Dealer Finance

This financial service is directly related to the car dealer and offers a financial service in order to sell the vehicles on their lot. As such using dealer finance means you are subject to the vehicles available to them. They are aware of financial competition and do work with the customer to find appealing financial agreements to suit their needs.

Here are the benefits of using Car Dealer Finance

*They are well educated in the value of vehicles for purchase

*They specialise in car loans and finance and are aware of potential issues and advantages

*Interest rates available through other institutions are matched by car dealers

*Convenience of obtaining finance at the venue for purchase

 

Disadvantages of using Car Dealer Finance

* Harder to negotiate on the purchase price of the car – potential to pay hundreds of dollars or even a few thousand dollars more than using non dealer finance.

*Limited lines of credit available which means less flexibility in rates and repayment schedules

*Inflated loan establishment fees

*Monthly loan account fees

*Penalties for paying loan off early

 

Overall any financial choices should be done with research and preparedness. This is a serious commitment that you must be sure you can fulfil. Seek advice from both car dealers and financial brokers to determine the deal which best suits your needs.

Aussie Loans

Car Finance – What is a Novated Lease?

car finance novated leaseIf you are looking for Business Car Finance there are multiple options at your fingertips. Before you choose an option you should take some time to look at the options available to you and choose one that best suits your needs. A Novated Lease can be a beneficial way to secure financing that has advantages for both employees and employers.

What is it?

A Novated Lease is arrangement co-ordinated by a financier and made possible by the salary sacrificing options available. Firstly it is established that an employee needs a vehicle for business purposes and to circumvent big outlays by either the employee or employer a third party is involved: a creditor.

The employee secured a finance lease with the creditor whilst the employer agrees to take on the financial obligations outlined for the worker in the lease agreement. This means that the employer pays the monthly lease repayments on behalf of the employee using salary sacrificing which in turn gives them greater flexibility in their offer of a remuneration package to the worker.

If employment discontinues or the novation ends the financial obligations revert back to the employee and that is all that happens.

Who is it meant for?

This type of business finance will suit employees who are looking to include a vehicle as part of their package. If the employer offers salary sacrifice then it is an option for an employee.

Using a Novated Lease means that both the creditor and the debtor (employee) are able to claim an Input Tax Credit (ITC) for the GST attributed to the purchase of the vehicle and to the monthly lease payments themselves. This essentially makes the Novated Lease agreement GST-free. The exception occurs in two cases: at the end and early conclusion where GST is added to the residual value of the lease, usually both payable by the employee dur to ownership change.

Fringe Benefits Tax (FBT) a repayment benefit made normally to the employee based on the number of kilometres travelled. The more kilometres travelled the less FBT. This can also be offset through employee contributions to the maintenance of the vehicle and is worked out based on the Employee Contribution Method (ECM). The benefits will be being phased out by the Federal Government over the next three years and as such you should always seek professional financial advice as to the suitability of such lease agreements for your particular needs.

Benefits Explained

The benefits of a Novated Lease are different depending on whether you are the employee or the employer.

For Employees:

*You are able to influence the type of vehicle purchased to suit needs and purpose

*If employment changes you are able to take the car with you

*Car maintenance and care is under your control

*Repayments to the lease are done out of your pre-tax income, which could mean smaller running costs of the vehicle

*Equity is retained by you

For Employers:

*Ability to offer a more flexible and appealing remuneration package to an employee

*Residual risk is eliminated

*Superfluous vehicles are avoided if an employee leaves

*Administration for lease agreement is avoided due to Aussie Loans help and direction with the loan

*You save on Payroll Tax and WorkCover premiums