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FINANCE AT MIKE RALEIGH MOTORS
Mike Raleigh Motors is proud to be able to offer on site finance through Capital Finance Australia for customers looking to purchase a new or used car from our dealership.
Our Customer Care Manager, Brionny Clark, has been extensively trained so she can offer clients a range of loans, leases, mortgages and insurance policies to suit their needs.
WHO IS CAPITAL FINANCE?
Capital Finance is backed by one of the world’s largest and most successful financial services companies and through Mike Raleigh Motors are able to offer a variety of products and services.
Capital Finance was established in Australia in 1995 and with an extensive product range including vehicle loans, commercial financing and insurance, it is more than likely that through Mike Raleigh Motors the right solution for your needs can be found quickly and easily.
Capital Finance and Mike Raleigh Motors has a commitment to continually improve our products and services – which has led us to develop simple leasing and finance products that offer you the freedom of a whole range of options. Suitable for both Personal and Business purchasers, these products and services are highly competitive and tailored to your needs.
Let us help you to put you behind the wheel of your new vehicle as quickly and as easy as possible. We offer a wide range of flexible financing and leasing plans that are easy to understand and can be adjusted to exactly fit your individual budget –
TO PURCHASE YOUR NEXT VEHICLE USING CAPITAL FINANCE PLEASE SPEAK TO THE TEAM AT MIKE RALEIGH MOTORS:
You can apply for a loan through Mike Raleigh Motors direct on-line system, which takes around 15 minutes to complete and submit.
All you need to bring with you is:
FINANCE Q & A
Q – How are payments made? A – Payments are made via Direct Debit or B-Pay on an allocated day. This allows you to manage your budget effectively knowing when and how much is being withdrawn from your nominated account
Q – Will a change in interest rates affect my payment? A – As you know interest rates fluctuate continually so at Capital Finance and Mike Raleigh Motors we will fix the interest rate for the term of the contract.
Q – Are the terms flexible? A – Yes, you can choose a period of one to seven years to make your repayments depending on the age of the vehicle being purchased. Also, consider a residual or balloon to bring your monthly cost down.
Q – What is a balloon payment? A – The term ‘balloon payment’ is a large payment at the end of your contract that you are obliged to pay. It is based on a percentage of the vehicle value being purchased: For example: A $20,000 car could have a 20% balloon = 20% of $20,000 equals $4,000 = a final payment of 20% of the vehicle purchase value ($4,000) which in turn brings down your monthly repayments during the course of the loan * conditions apply. Once the balloon payment has been paid, you own the vehicle outright.
Q – What amount can I borrow? A – You can borrow the full amount of the car price, plus optional extras including insurance and registration once we review your application (subject to approval). Each application is assessed on it’s merits and is subject to your income and ability to repay.
Q – Can I make additional repayments at any time? A – Yes. If you suddenly decide you want to pay a lump sum payment or additional monthly payments just contact Brionny at Mike Raleigh Motors on 8682 3106 and she can assist you in arranging the payments. This will have the added benefit of finalising your loan earlier.
Q – What if the payout on my trade in is more than the car is worth? (for example a trade in is valued at $7,000, however the finance company payout is $8,500, leaving a shortfall of $1500) A – In certain circumstances we can incorporate the shortfall between trade in value and the payout figure on the existing loan into the new loan you will be taking out.
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Finance
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