Motor Vehicle Finance


AT ICR Financial Services we have access to a number of major Motor Vehicle lenders all of which finance Passenger and Light Commercial Vehicles up to 4.5 tonne GVM through their on line Motor Vehicle finance systems.


Motor Vehicle finance is no different to other forms of Equipment finance and offers

4 main finance products for businesses wishing to purchase a vehicle wholly or

predominantly for business use viz:


  • Chattel Mortgage

  • Commercial Hire Purchase

  • Finance orOperating Lease

  • Novated Lease


In addition to the above Motor Vehicle Finance can be sought by an individual for personal

use through the “Consumer Lease” product which is available through a select group of lenders.


Some lenders also provide “No Financials” finance to eligible borrowers for the Purchase of Motor Vehicles up to $100,000.. Conditions for this type of finance include:-


  • ABN registered for at least 2 years

  • Vehicle new or up to 3 years old

  • Purchased from a Recognised supplier only (no private sales)

  • Must be Property Owner

  • Clear Veda Credit file

  • One Credit reference


Similar to other types of Equipment finance the Purchaser may structure their loan to suit their cash flow/budget with terms from 2 to 5 years, equal monthly instalments (in advance or arrears) and they may or may not choose to have a Balloon/residual payment at the end depending on the product chosen..


Whether you wish to upgrade an existing vehicle or acquire a new vehicle our “On Line” processing tool enables us to provide you with a quick turnaround time in some cases as soon as 15 minutes.. We are available 24/7 so if you are walking around the dealership on Sunday and see a vehicle you like give me a call on 0417-210 110 


If you wish we can obtain “pre approval”. Just give us an idea of the Car you are looking at and the price range and we will obtain a conditional pre approval.