With significant industry experience and expertise, Metro Ford's Finance and Insurance Department can save you time and money through a wide range of financing solutions. And because we work with most major lenders and finance companies, including St George Finance, Macquarie Leasing and Volkswagen Financial Services, you're assured of a competitive, quality finance solution for your new or used vehicle. We pride ourselves on providing flexible and innovative finance solutions that are easy to understand and can be tailored to suit your requirements.
Allianz insurance is one of the largest insurers in the world, providing more than 75 million people in 70 countries around the world the confidence they need in life's important moments. And in Australia, more than 2 million policy holders rely on Allianz for their insurance needs.
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* Metro Ford arranges insurance as agent of the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708. We do not provide advice on this insurance based on any consideration of your objectives, financial situation or needs. Policy terms, conditions, limits and exclusions apply. Before making a decision about insurance please consider the Product Disclosure Statement available from us. If you buy insurance from us we may receive a commission which is a percentage of the premium. Ask us for more details before we provide our services.
The Ford Consumer Loan is designed to allow you to keep it simple and choose your repayment period and make regular monthly instalments, with a fixed interest
rate. You can repay the Ford Consumer Loan in full by equal payments over your chosen loan period OR you can defer part of the cost of your Ford to the end of the Ford Consumer Loan with a larger final payment - this enables you to lower your regular monthly instalments.
You can also make additional payments throughout the lifetime of the loan that will lower the amount of interest you pay and shorten the term of the loan. In addition, you can choose to fully repay your Ford Consumer Loan early and own the vehicle sooner.
If you choose to have a larger final payment, then when it falls due you have three options:
Ford Consumer Loan benefits:
Allows the advantages of leasing for private customers, and is suitable when you use the vehicle for personal use. You can tailor your monthly payments by selecting the term (up to 5 years) and residual value, with payments in advance or arrears. This product has fixed monthly rental repayments and puts you in control of your financial budget.
Ford Personal Lease benefits:
For business customers MyFord FINANCE has developed a range of finance and lease products to lower the cost of funding by potentially providing tax efficiencies, and are responsive and adaptable.
This product is a Commercial Hire Purchase which offers business users advantages that assist with cash-flow. The business user can tailor Ford Commercial Plan by selecting the contract term (up to 5 years), include a deposit, and nominate a larger final instalment to lower the regular monthly instalments to suit your budget. If the vehicle is used for income generating purposes, the interest charges and depreciation on the vehicle may be tax deductible.
This is a Ford Chattel Mortgage, which potentially offers certain business customers tax efficiency advantages that assist with cash-flow. If you are a customer that is registered for Goods and Services Tax (GST) you may be entitled to input tax credits (ITC) with respect to your acquisition of the vehicle.
The vehicle is owned by you and you can tailor your payments by selecting the term (up to 5 years) and incorporating a larger final payment.
Other flexible arrangements to match your cash flow can be arranged, such as seasonal payments and/or any GST refund being paid into the loan to reduce your regular monthly repayments and interest charges. Interest rates are fixed for the life of the loan. If the vehicle is used for income generating purposes, the interest charges and depreciation on the vehicle may be tax deductible.
This finance lease product allows the business customer to utilise a vehicle without tying up capital. The lease can be tailored with rentals in advance or arrears, flexible terms up to 5 years and a residual value that is set to reflect the vehicle's usage and Australian Taxation Office (ATO) guidelines. GST is included in each rental and the residual value. If your business is registered for GST, you may be able to claim an ITC for this GST.
Where the vehicle is used solely for business purposes, a tax deduction for the full rental may be available.
This product enables employees to salary-package their vehicles. The employee selects their Ford and, in conjunction with their employer, signs a novated lease agreement for an agreed term (up to 5 years) with monthly rentals and a final residual payment which is based on the minimum according to ATO guidelines. The monthly lease rentals, net of GST, may be taken from the employee's pay reducing taxable income. The employer pays the full monthly rental including GST to myFord FINANCE and may be able to claim the GST as an ITC.