How it works
Our scheme is designed to be simple, flexible, and practical — helping you drive a newer car without locking you into long, restrictive finance agreements.
Step 1: Application & Approval
Everything starts with a short application. This allows us to understand:
• what you can comfortably afford,
• the type of car you need,
• and the deposit you have available.
Once approved, you can select a car — or, if you’re an existing member, we can source one for you.
Step 2: The Contract
Your contract runs for two years, much like a mobile phone contract.
Each contract includes:
• a 20% deposit,
• fortnightly payments every 14 days (we do not offer monthly repayments),
• and a deferred lump sum set at the end of the contract.
There is significant care and experience put into setting this future value. It’s designed to protect you and us — giving flexibility without risk.
Step 3: During the Contract
Payments are made easily through your mobile banking app.
The structure is designed to:
• keep you moving forward into newer cars,
• avoid being stuck in older vehicles with rising maintenance costs,
• and prevent long-term 3–5 year commitments.
Step 4: Your Choice at the End
At the end of the two years, you have three clear options:
• Upgrade to a newer car and start a new contract,
• Buy out the car and own it outright,
• or hand the car back.
Many customers choose to upgrade and avoid paying the lump sum altogether.
Built Around You
Every contract is crafted around your affordability and cash flow, based on the information provided at application stage. This is why the process fits together smoothly and works so effectively in practice.
The Simple Way to Start
If you’re wondering:
• How much can I afford?
• What type of car suits me?
• What’s the newest car I could realistically be driving?
The quickest and easiest way to find out is simply to pick up the phone and talk to us.
A short conversation will give you far more clarity than any website ever could.
Everything starts with a short application. This allows us to understand:
• what you can comfortably afford,
• the type of car you need,
• and the deposit you have available.
Once approved, you can select a car — or, if you’re an existing member, we can source one for you.
Step 2: The Contract
Your contract runs for two years, much like a mobile phone contract.
Each contract includes:
• a 20% deposit,
• fortnightly payments every 14 days (we do not offer monthly repayments),
• and a deferred lump sum set at the end of the contract.
There is significant care and experience put into setting this future value. It’s designed to protect you and us — giving flexibility without risk.
Step 3: During the Contract
Payments are made easily through your mobile banking app.
The structure is designed to:
• keep you moving forward into newer cars,
• avoid being stuck in older vehicles with rising maintenance costs,
• and prevent long-term 3–5 year commitments.
Step 4: Your Choice at the End
At the end of the two years, you have three clear options:
• Upgrade to a newer car and start a new contract,
• Buy out the car and own it outright,
• or hand the car back.
Many customers choose to upgrade and avoid paying the lump sum altogether.
Built Around You
Every contract is crafted around your affordability and cash flow, based on the information provided at application stage. This is why the process fits together smoothly and works so effectively in practice.
The Simple Way to Start
If you’re wondering:
• How much can I afford?
• What type of car suits me?
• What’s the newest car I could realistically be driving?
The quickest and easiest way to find out is simply to pick up the phone and talk to us.
A short conversation will give you far more clarity than any website ever could.