Automotive Lease Packaging simplifies car loans and car leasing.

Find out how we are providing clients with a professional and informative service on their vehicle finance requirements.

Find more information on how we tailor individual car finance packages to individual needs taking into consideration taxation benefits, cost effectiveness and the most suitable vehicle requirements.

Automotive Lease Packaging will help you find the most suitable car for your car finance package using our car finding service Car Broker. Car Broker will give you access to our fleet discount buying power which will save you money on you next car purchase.

Automotive Lease Packaging will show you how to choose the best finance products, whether it be a Novated Lease, Commercial Hire Purchase, Finance Lease, Operating Lease, Chattel Mortgage or Car Loan.

Whether you are a professional looking to maximise your car allowance or an individual wanting to save thousands on your next car loan or lease, Automotive Lease Packaging can guide you through the myriad of vehicle finance options available to you.

If you wish to know what your car loan repayments would be use our finance car loan calculator in this website.

Let our Car Loans and leasing specialist show you how to save time and money on your next car finance and car sourcing needs.

A short phone consultation will provide answers to all your questions.

To find out more, call 1300 309 343 now!

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The director's of Automotive Lease Packaging have been involved in vehicle leasing / finance, vehicle procurement and salary packaging for over ten years.

Automotive Lease Packaging provides clients with a professional and informative service. We tailor individual finance packages to individual needs taking into consideration taxation benefits, cost effectiveness and the most suitable vehicle requirements.

A short phone consultation will provide you with our extensive product knowledge and guide you through the myriad of vehicle financing options available to you.

Automotive Lease Packaging is happy to announce that we are a division of Platinum Direct Finance.

Having commenced business in 1990 as Melbourne Finance Broking, Platinum Direct Finance Pty Ltd is considered to be the largest independent finance broking firm in Australia. They have access to over 30 major finance institutions that include car finance products with no establishment fees, no ongoing fees and importantly no payout penalties.

The Company has grown rapidly and offers financial services for motor vehicles, marine, plant and equipment, office and factory fit outs. Their volume of business has increased to over $ 500 million per annum.

What will change?

The affiliation means Automotive Lease Packaging can now offer the best finance products in Australia, along with great rates due to the large volume buying power of Platinum Direct.

So if you are in the market for finance, give an experienced finance consultant a call on 1300 309 343.

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The concept of novated leasing is central to salary packaging arrangements between an employee and an employer. Under a salary packaging arrangement, an employee agrees to forego a portion of their salary or wages in return for vehicle benefits equal to that amount.

A Novated Lease is a three-way agreement between the Financier, the Employee and the Employer. The Employee leases the vehicle directly from Financier, the Employer agrees to make all payments via a Novated Deed through the Employee's salary packaging.

A fully maintained Novated Lease is an agreement where all of the operating costs (such as lease rental, servicing and maintenance, registration, tyres and insurance) of the motor vehicle are covered by a single monthly payment made by the lessee.

Under a Non-Maintained Novated Lease the lessee is responsible for all maintenance and other running costs of the motor vehicle.

Employee's benefits:

• Allows employee to salary package
• Choice of vehicles
• Choice of terms 12- 60 months
• Enables use of their pre-tax income for vehicle lease and operating expense
• Option to purchase vehicle at end of lease

Employer's benefits:

• Fleet is off the balance sheet
• Increased borrowing ratio
• No vehicle liability if employee leaves
• Taxation benefits on tax deductible expenses
• Value added incentive for employee retention

Novated lease and running costs of the motor vehicle, and fringe benefits tax (if applicable) are deducted from the employee's pre-tax salary, and PAYG is calculated on the reduced salary or wages.

The tax benefit of a novated lease arises from the concessional fringe benefits tax treatment on the vehicle. Depending on the employee's individual financial circumstances, salary packaging a motor vehicle under a novated lease can have the effect of increasing an employee's net disposal income.

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Leasing is a sensible approach for any business or individual if the Vehicle is used predominantly for business purposes. A Finance Lease gives you immediate use of the Vehicle without having to arrange a large deposit. Rentals are fixed for the term of the lease, providing security for your financial planning. For added flexibility at the end of the term you have the option to refinance, sell or purchase the Vehicle for the residual value.

Consider these benefits:

• Where the Vehicle is used for business purposes, the lease rental will be tax deductible, the extent of the tax deductibility will depend on the percentage of business use.
• Lease payment is made from pre-tax income.
• Fixed lease payments make budgeting easier.
• Monthly payments are based on the original cost less the residual value of the Vehicle
• Terms are from 12 months to 60 months to meet your individual requirements.
• No or little capital outlay

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This option provides several advantages, particularly for public companies, schools and government bodies. An operating lease is a type of lease in which the financier retains ownership of the leased equipment. Under an operating lease there is no predetermined "residual" value to pay as ownership does not automatically pass to the customer at the end of the term.

Operating leases are not listed on the company's balance sheet. Being "off balance sheet" is considered a major advantage over finance leases, particularly for public companies, which may have borrowing restrictions.

By not having to list the operating lease on the balance sheet the company's debt to equity ratios are not adversely affected by using the equipment for a set period of time.

For high technology equipment, which usually becomes obsolete over the term of the lease, the risk of ownership is removed as the customer can hand back the equipment and upgrade.

Under the operating lease/rental option, the customer has more flexibility at the end of the term, as they may:

• hand back the equipment and upgrade
• continue to rent the equipment
• offer to purchase the equipment at fair market value

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Commercial Hire Purchase is a sensible approach for any business or individual that needs to either upgrade or acquire a new or used Vehicle. Regular payments are made over the term you choose. Full ownership of the Vehicle is transferred to you when all the payments have been made.

Flexibility is an attractive feature of Commercial Hire Purchase. You can choose to finance the total purchase price, use a deposit or trade-in or add a final lump sum balloon payment to reduce the loan repayments.

Under a Commercial Hire Purchase agreement you do not become owner of the Vehicle until all monies owed under the agreement are paid. However, you can still claim a tax deduction for the depreciation on the Vehicle as well as the interest component of the loan repayments where the Vehicle is used for business related purposes. In addition, GST is not payable on the Commercial Hire Purchase repayments.

Consider these benefits:

• The repayments are fixed over the term of the Commercial Hire Purchase
• You can structure the repayments with or without a balloon
• Minimum capital outlay
• Repayments are flexible
• The repayments are exempt from GST
• Flexible terms from 12 months to 60 months to match your individual requirements

You can finance any Vehicle new or used vehicle, plant and equipment of reasonable age and condition. The amount financed can also include your on-road charges and Insurance.

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Chattel Mortgage is a sensible approach for any business or individual that needs to either upgrade or acquire a new or used Vehicle. This is a fixed loan that provides for the purchase of an Vehicle in exchange for a series of payments. The Vehicle is used for security.

Flexibility is an attractive feature of a chattel mortgage. You can choose to finance the total purchase price, use a deposit or trade-in or add a final lump sum balloon payment to reduce the loan repayments. You can even use the GST refund to contribute towards paying off the loan, thereby reducing the amount financed and the interest paid over the term of the loan.

By choosing a chattel mortgage, you become owner of the Vehicle while the financier secures a charge over the Vehicle. As you are the owner you may claim a tax deduction for the depreciation on the Vehicle as well as the interest component of the loan repayments

Consider these benefits:

• Minimum capital outlay
• Title is always with client
• Repayments are flexible
• Balloon payments available
• The repayments are exempt from GST
• Flexible terms from 12 months to 60 months to match your individual requirements

You can finance any new or used vehicle, plant and equipment of reasonable age and condition. The amount financed can also include your on-road charges and Insurance.

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A Consumer Loan is designed for individuals who want to use their car mainly for private purposes, and for whom private ownership is important, Automotive Lease Packaging offers loans with or without balloon payments.

By utilising a balloon value you can reduce your payments considerably and improve your cash flow.

You can structure the monthly installments to suit individual budgetary requirements. By opting to place a deposit, or by nominating a final lump sum payment at the end of the finance term, you can conveniently decrease your monthly repayments, giving you greater security when managing your budget and planning your financial commitments.

Ownership is transferred to you as soon as the first payment is made, in exchange for security over the vehicle. This is discharged upon payment of the final installment.

You may also be given the opportunity to re-finance your final lump sum payment at the end of the contract term

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Financing your car is only part of the process. Automotive Lease Packaging can tailor a fleet management program for a single car or an entire vehicle fleet. Automotive Lease Packaging will calculate, and fully itemise your vehicle budgets, and will put a program in place for all servicing, tyre, fuel and registration.

Automotive Lease Packaging has access to national service networks and offers you the convenience of managing your fleet with a single card.

• Maintenance: Automotive Lease Packaging pre-authorise and negotiate all vehicle expenditure through its accredited network of repairers and suppliers which includes various Motor vehicle dealerships, tyre suppliers, windscreen repairers, and other general service providers.
• Acquisition and Delivery: Automotive Lease Packaging source and negotiate discounted purchase prices on vehicles and arrange the vehicle delivery for our customers.
• Fuel: Automotive Lease Packaging manage the ordering, cancellation and delivery of fuel cards from a selection of fuel suppliers and pass on negotiated fuel discounts to our customers. In addition, Automotive Lease Packaging will provide fuel reporting that will identify potential improvements to current arrangement.
• Accident: Automotive Lease Packaging provide an accident and insurance claims management service on a 24/7 basis for drivers via a 1300 number.
• FBT Reporting: Automotive Lease Packaging makes FBT management reports available in the customer web portal that shows the FBT liability for the year to date by vehicle. The report also brings the user's attention to vehicles with annualised kilometres that are close to a lower statutory percentage bracket.
• Comprehensive Insurance: Automotive Lease Packaging can manage the insurance renewal process, provide a vehicle list of current market values and maintain insurance details to allow effective accident management, including expiry dates. If required, Automotive Lease Packaging can offer a variety of approved insurance products directly to our customers.
• Management Reporting: Automotive Lease Packaging provides our customers with web portal access to fleet data and a range of useful reports including exceptions and trends. The user has the ability to update fleet information, request actions and download fleet data.
• Single Monthly Invoice: Automotive Lease Packaging provides our customers with a single monthly invoice for ease of accounting.

• Alleviation of time consuming fleet administrative tasks
• Fleet discounts are available on most cars
• Ease of budgeting by including maintenance, registration costs and other expenses within a fixed monthly amount.
• Immediate access to fuel discount
• Adhoc & Online access to vehicle analysis reports to assist with fleet decision making and managing statutory requirements

To find out more, call 1300 309 343 now!

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Automotive Lease Packaging has a panel of specialists who can assist you with a broad range of finance options, tailored to meet your specific business needs and objectives.

We can finance most types of equipment, office furniture and fit out, commercial vehicles, marine vessels, heavy plant and rural machinery.

Arrangements can be made for any size business, with payment structures to suit your financial and business position.

• Commercial Hire Purchase (CHP)
• Chattel Mortgage
• Finance Lease
• Operating Lease