Buying Made Easy

Most Australians prefer to own their vehicles outright — but not everyone can pay the full amount upfront. That’s where financing options like car loans or leasing come into play.

With a car loan, you take ownership of the vehicle immediately. You then make fixed repayments over a set term — typically 3 to 5 years. Once the loan is repaid in full, the car is yours.

Leasing: Use the Vehicle Without Owning It

Leasing allows you to use the vehicle over an agreed term without taking ownership. There are two main types of leases:

• Operating Lease: Similar to a rental. You use the vehicle for a set period, then return it with no further obligations.

• Finance Lease: You lease the vehicle with the option to purchase it at the end of the term via a lump sum. Alternatively, you can upgrade to a new vehicle and continue leasing. This option is especially popular for businesses looking to provide vehicles to employees without large upfront costs.

Time to Upgrade? We’re Here to Help
At SW Global Finance, we work with a panel of specialist vehicle lenders and offer a range of flexible finance options for:

• Cars

• Motorcycles

• Boats

• Vans

• Commercial equipment

Let us guide you through the lease vs buy decision and help secure the right solution for your needs — personal or business.

Competitive Rates. Clear Advice.
Car Loans Made Simple — Buy or Lease with Confidence

While many Australians prefer to own their vehicles outright, not everyone can afford to pay upfront. That’s where the decision between leasing and buying comes in — and SW Global Finance is here to help you make the right call.

We partner with a wide range of specialist vehicle lenders and offer flexible finance options for your next car, motorcycle, van, boat, or equipment purchase.

Buying with a Car Loan

When you take out a car loan, you own the vehicle from day one. You’ll make regular repayments over a set term — usually three to five years — and once the loan is fully repaid, the vehicle is yours with no further obligations.

Leasing a Vehicle

Leasing gives you access to a vehicle without the upfront cost or long-term commitment of ownership. There are two main types:

• Operating Lease
  Works like a rental. You return the vehicle at the end of the lease term, with no further payments or ownership.

• Finance Lease
  Offers the option to purchase the vehicle at the end of the term with a lump sum, or to upgrade and continue leasing. This option is especially useful for businesses needing vehicles for staff without tying up capital.

What About Novated Leasing?

A novated lease is a form of finance lease where your employer makes the repayments from your pre-tax salary — reducing your taxable income and potentially saving you money. However, if you leave your job, responsibility for the lease may transfer to you, and your new employer might not agree to take over the payments.

Need Help Choosing?
Whether you’re buying, leasing, or exploring novated lease options, our expert brokers can help you compare, structure, and secure the right loan for your needs.

Talk to SW Global Finance today to explore your vehicle finance options with confidence.