Bespoke Vehicle Finance
Driving Dreams Financing Realities
We help Australians get approved for car finance, whether they have excellent credit, limited history, past defaults, or are rebuilding.
Why Centra Finance?
Bespoke Vehicle Finance
Fixed rates, no deposit, and optional balloon payments offer clarity and control — with terms up to 7 years.
Bespoke Services
Fixed-rate certainty and tailored loan architecture ensure clarity from start to finish. From enquiry to delivery, every step is handled seamlessly online for speed and convenience. Choose repayment schedules and loan lengths that fit your financial strategy, with optional balloon payments. Guaranteed Future Value programs provide lower repayments and multiple choices at the end of your term.
Centra Finance Vehicle Solutions
Consumer Loan
Centra Finance Consumer Loans make acquiring your next prestige vehicle seamless and secure. With fixed interest rates, no deposit requirements, and flexible repayment schedules, this option provides clarity and control throughout the life of the loan. Loan terms range from 2 to 7 years, and eligible customers can opt for a balloon payment at the end of a loan term up to 5 years, reducing regular repayments while retaining certainty. Repayments can be made fortnightly or monthly, giving you the flexibility to align with your financial planning.
Key Features:
- Personal use financing for new or used vehicles
- Competitive fixed interest rates
- Flexible repayment schedules (monthly or fortnightly)
- Loan terms from 2 to 7 years
- No deposit requirement
- Optional balloon payment for terms up to 5 years
Chattel Mortgage
Centra Finance Chattel Mortgages are tailored for ABN holders acquiring vehicles predominantly for business purposes. This option allows you to retain capital for other business needs while securing your vehicle with fixed monthly repayments and no deposit requirement. Loan terms range from 2 to 7 years, with optional balloon payments available for terms up to 5 years, helping to reduce regular repayments while maintaining certainty for your cash flow.
Key Features:
- Business-use financing for ABN holders
- Competitive fixed interest rates
- Fixed monthly repayments
- Loan terms from 2 to 7 years
- No deposit requirement
- Optional balloon payment for terms up to 5 years
Guaranteed Future Value (GFV)
Centra Finance’s Guaranteed Future Value (GFV) agreement offers peace of mind by guaranteeing the minimum return value of your vehicle at the end of the loan term. This ensures that the final amount due is covered when trading in your vehicle, provided it meets agreed kilometre usage and the Fair Wear and Tear Guide. GFV is available to eligible customers purchasing selected new vehicles only.
This option is ideal for those who prefer to upgrade vehicles regularly, as it can lower monthly repayments and provide multiple end-of-term choices. At the conclusion of your loan, you can trade in your vehicle for a new one, return it, or retain it for yourself.
Key Features:
- Guaranteed minimum trade-in value at loan end
- Lower monthly repayments
- Flexibility to upgrade vehicles regularly
- Multiple end-of-term options: trade, return, or retain
- Available for selected new vehicles only
Centra Finance Commitment
Across Consumer Loans, Chattel Mortgages, and GFV agreements, Centra Finance delivers tailored solutions that combine flexibility, certainty, and peace of mind. Every product is designed to simplify the journey to vehicle ownership while maintaining the precision and reliability expected of a premium finance partner.