Esanda are one of Australia’s largest Asset-Based Finance Companies, with assets in excess of $10 Billion they have been looking after Australian for over half a Century.

As Australia’s leading provider of Vehicle and Finance Solutions, Esanda are constantly looking at their customers needs to find innovative Finance solutions.
As a wholly owned subsidiary of ANZ you can be assured that they will deliver the best possible products and services for both Business and Consumers.

Because of their extensive knowledge in the Finance Industry they can offer you an innovative and cost effective solution. Whether you are after Finance for a single asset or many, Esanda can help you an your Business survive in an increasingly competitive Business world.

Esanda offer a range of products to suit your car finance needs. Select from the list below to find out more.

Consumer Finance

Esanda's Consumer loan product is a convenient, affordable and flexible way for you to obtain finance for the New or Used Car of your choice. For personal use, Consumer Finance is a secured installment finance plan regulated by the UCCC where you gain immediate ownership and mortgage the vehicle to the financier.

Esanda offers you the peace of mind that comes with a fixed Interest rate and the additional benefit of Interest being calculated daily, enabling you to save interest by making additional payments. This allows you to budget for the repayments and have no surprises along the way. A balloon/residual is available which can reduce monthly payments to suit the individual budget. The vehicle must be predominantly for private use.

Finance Lease

Leasing is a rental agreement between you and Esanda where the rental payments can be tailred to meet your individual needs. The residual value is set in line with A.T.O. guidelines and represents the depreciated value of the vehicle at the end of the rental period. At the end of the Lease agreement you may, subject to Esanda's approval, offer to purchase the vehicle for the residual amount.

The vehicle must be predominantly for business use (greater than 51%).Deposits are not applicable on a lease however a 'variation' amount may be paid in advance by the customer and structured payments are available. Finance Lease is for the business user.

Corporate Hire Purchase

With a Hire Purchase agreement with Esanda, payments can be tailored to meet Business cashflow. For business use, the Corporate Hire Purchase facility offers you immediate ownership of the vehicle. Payments may be made in advance or arrears and structured payments are available. The vehicle must be predominantly for business use (greater than 51%) and can be approved in the name of an individual or company. The vehicle may be purchased form the Financier at any time during the life of the contract. As with all other Esanda Finance Products the contract term is generally between 12 and 60 months.

Novated Lease

A Novated Lease is a variation of a normal Finance Lease arrangement. The lease arrangement is between the employee, his/her employer and Esanda. The Novation Agreement passes all lease obligations (except the residual value) from the employee to the employer for the term of the lease, or the term of the employment. When the customer. The employer is not responsible for the lease arrangement if the employee leaves or is terminated. The lease obligations are then the responsibility of the employee (and their new employer if available).

Chattel Mortgage

A new, smarter approch to vehicle financing. The Chattel Mortgage is also a business finance product where you gain immediate ownership and mortgage the vehicle to the financier. Flexible payment plans are available to meet your Business needs including Structured payments and balloon/residual options. The vehicle must be predominantly for business use (greater than 51%). Interest is predetermined based on a fixed rate over a fixed term and if the contract is paid out early, a rebate of interest is provided.

Before entering into a Business Finance Contract Q Ford recommends you check your Individual requirements with your accountant as potential Tax benefits
may exist.