over 5,000 happy customers and counting
save thousands on your car loan with fingo finance
Most people think about getting the best finance deal at the start of the loan. We believe that too! But we also believe in saving you money in the event you want to terminate your loan.
That's why we offer products where no retained interest is charged, this means you save on excessive payout penalties.
no payout penalties
Other companies may charge you retained interest for terminating a loan early, potentially costing you thousands of dollars. This is also known as a payout penalty.
tax break
Taxbreak is Fingo's newest car finance product that is specifically designed to manage and maximise tax savings for business use customers. This is a package that can be fully maintained taking into account all your monthly running costs, and adding them along with your finance payment. We then provide access to monthly tax deductions for you but helping you claim back depreciation, interest and your business use running costs.
wider range of lenders
We have an extensive panel of specialist lenders that we can take you to. We specialise in products for ABN holders, no-doc and low-doc loans, and customers with financials not up to date.
optimum vehicle replacement policy
If you want the flexibility to change your car before the term ends, we’ll keep you updated on when you can replace your vehicle without any out of pocket costs. We manage your cars ideal time to be replaced and offer timely advice on when to trade or sell your car.
the fingo difference, unparalleled buying power
get a bonus 5-15% discount off retail pricing on new cars
pay less for your car
We work with fleet departments of every car manufacturer, and have access to fleet discounts above and beyond the regular retail discount available.
car quote comparisons
Keep the dealer honest by getting a comparison quote on your car. The most common trap in the market is to only go get one price. Our dedicated fleet team has the experience to deal with all the common dealer traps and ensure you get the best price available on your new car.
access to fleet discounts
Even if you are purchasing a single car, we have exclusive access to better rates with our national purchasing power from purchasing thousands of vehicles every year.
best new price guarantee
We promise to get the best price on your new car or we’ll provide you with free window tinting at $495.00 when we order the vehicle.
our own LMCT & trade Services
We have our own LMCT & inhouse trade team to provide free trade valuations on your current vehicle, and even provide you with market leading trade prices on your current car.
expert negotiators working for you
20 years industry experience goes into our negotiating with dealers. We don’t settle until we receive the best possible discount & trade in price for you.
car finance, whatever your situation
individual
John's a full time sales person for a real estate agency. He travels for work, and uses his car for more than 50% business use. John has a car allowance of $10,000 per year which he utilises to pay for his loan payment as well as all his running costs. John brought a brand new Mazda CX5 GT and was able to claim depreciation on the vehicle as well as 50% of his running costs.
sole trader
Ben runs his own painting business. He is self-employed, trading under his own name and wants to buy a ute for work. He’s registered for GST and makes $90k PA but he doesn’t have his tax return up to date, but was still able to get approved under our low doc product. Ben was able to buy a brand new Toyota Hilux, with all the extras he wanted at a discounted price.
company
Sharon has her own IT consulting business. Her company is a PTY LTD and she is looking at buying a car under her company name for her to drive. Her company is looking at maximising the taxation benefits from this car purchase, and under our taxsmart product we were able to show he how to get tax savings of $3500 per year by claiming depreciation, GST, interest and her running costs.
customer praise
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helped me save thousands
"I rang in asking for a personal car loan for a car and fingo’s consultant’s extensive product knowledge on finance helped me save thousands of dollars by explaining the benefits of salary packaging a car instead of the car loan I applied for. My employer now uses fingo for the employees’ leases"
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Friendly and professional
"Thanks to Paris and the friendly and professional team at fingo. It made the purchase of my third vehicle and setup of my first novated lease that simple."
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quick and seamless
"I loved the quick and seamless process that took place that enabled me to drive away in my new car within days. Much faster than my previous novated lease through another salary packaging company."
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would not hesitate to lease through fingo again
"Thanks Kim. The car is working out really well, and the fingo fuel car is so handy for service and maintenance At this stage we do not have any questions but we really appreciate all the after sales follow up. Your customer service during the leasing process was outstanding, as it was last time, we would not hesitate to lease through fingo again when our lease is up. I believe two of my colleagues are now leasing through fingo."
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fingo have been fantastic to deal with
"I've been a customer of fingo for over six years. In. that time, I’ve both extended a lease and commenced an entirely new lease. Throughput each lease, fingo have been fantastic to deal with. Their customer service is responsive, the monthly statement that they provide are easy to read, and they ramp up contact with in time leading to end-of-lease to ensure you have the time to prepare; I didn’t consider changing lease provider for even a moment.
When it came time to find a new vehicle, they went well above and beyond what I would expect – Frazer, my agent, hunted down exactly what I was looking for, at a great price, and kept my exposure to car dealers at a bare minimum."