Alto Ford offers its customers a flexible, convenient, and reassuring way to drive away in a new or used Ford from Alto today. Our experienced Business Managers are specialists in automotive finance and can provide you with a finance package tailored to suit your needs.

Alto Ford customers can enjoy:

• Competitive rates
• Flexible repayment options

For a quick and easy finance estimate, our finance calculator provides you with the ideal starting point when looking to trade-up to your new Ford. By calculating a monthly payment amount and total loan cost using the information you supply, our finance calculator gets you one step closer to your new Ford.

While these amounts are calculated accurately based on your information, the results displayed are for general information purposes only and do not represent an official quote or finance offer from Alto Ford.

To find out more, and to discuss the many finance options available to you, use the link below to Email our Business Manager today.

Email our Business ManagerValue your car for Trade-in

Alto's Consumer Loan product is a convenient and flexible way for you to obtain finance for the New or Used car of your choice.

The vehicle is used as security for the loan, however you have ownership from the beginning of the contract. Upon the final payment you get clear title to the vehicle. A Consumer Loan is regulated under the terms of the Consumer Credit Code.

Features

• Terms range from 12 to 60 months
• Interest Rate is fixed for the term of the loan as are your repayments.
• You can pay your loan via the convenient method of Direct Debit or BPay
• You can make a deposit to the transaction of any amount.
• Payments can be made as often as you like (ie Weekly, Fortnightly) via the Bpay method.
• Other costs associated with the purchase can be financed on the contract (like, Comprehensive Insurance, registration and on-road costs)
• You can specify a larger final payment (known as a balloon)

Benefits

• Payments can be structured to suit you individual needs, with your budget and cashflow taken into consideration.
• With a fixed interest rate you are protected against the market fluctuations
• More frequent payments reduce your interest charges and the term of your loan.
• By financing other costs and insurance you can preserve your cash for other purposes.
• A deposit will reduce your repayments and your interest charges by reducing the amount borrowed.
• A balloon payment has the effect of lowering your regular monthly payments and making your car more affordable.

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Description of Product
With a Hire Purchase agreement, payments can be tailored to meet business cash flow. You also have the option of purchasing the vehicle at any time during the life of the contract. This type of financing is traditionally for the business user and can be approved in the name of an individual or company.

Features

• Terms range from 12 to 60 months
• Interest Rate is fixed for the term of the hire purchase agreement as are your rentals.
• You can pay your rentals via the convenient method of Direct Debit or BPay
• Other costs associated with the purchase can be financed on the contract (like, Comprehensive Insurance, registration and on-road costs)
• Subject to credit approval, Alto will finance 100 % of the purchase price.
• You can have a larger final payment (balloon), the amount requested is subject to approval guidelines.

Benefits

• Payments can be structured to suit you individual needs, with your budget and cash flow taken into consideration.
• With a fixed interest rate you are protected against the market fluctuations.
• By financing other costs and insurance you can preserve your cash for other purposes.
• Interest and depreciation are generally tax deductible.
• A Balloon payment will lower your regular monthly rentals and this not only improves your cash flow, but makes your vehicle more affordable.
• Ownership automatically transfers to you with the final payment.

GST and other Stamp Duty
Rentals on a Hire Purchase agreement are not subject to GST nor is the balloon payment. GST may be payable on the purchase price of the vehicle and other components of the transaction.

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Description of Product
A Novated Lease product is a three-way agreement between the finance company, you and your employer. As the employee , you have responsibility for the vehicle and your employer arranges for the monthly payments to be made out of your pre-tax income.

Features

• Terms range from 12 to 60 months
• Residuals are set according to the Australian Tax Office life and depreciation guidelines.
• Interest Rate is fixed for the term of the lease as are your rentals.
• You can pay your lease via the convenient method of Direct Debit or BPay
• Other costs associated with the purchase can be financed on the contract (like, Comprehensive Insurance, registration and on-road costs)

Benefits to the employee

• Payments can be structured to suit you individual needs, with your budget and cash flow taken into consideration.
• With fixed rentals you are protected against market fluctuations
• Tax effective as payments are made from pre-tax earnings.
• Can be portable should you change employers.

Benefits to the employer

• If the employee leaves the company, the car is no longer your responsibility.
• Payments can be made easily via Direct Debit or Bpay
• Can claim a tax deduction for the lease rentals.
• Low administration, responsibility extends to making the monthly payments.

GST and Stamp Duty
Novated Lease rentals are subject to GST as is the Residual Value. Rentals are also subject to Stamp Duty and (if applicable) Financial Institutions Duty.

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