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Vehicle Finance

At Capital City Motors, we make it easy to take home your next vehicle. Whether you are a business or individual, we can provide you with a range of flexible finance options that are designed to make your purchase as simple and affordable as possible.


Our experienced Business Managers are on-site 7 days a week and are here to discuss your finance options with you. They can provide you with a no-obligation repayment quote that best suits you and your lifestyle. Benefits of financing your next vehicle with Capital City Motors include:

  • You choose the repayment frequency (weekly, fortnightly or monthly)
  • You choose the term (12 - 60 months)
  • Often no deposit is required
  • Competitive interest rates (often better than the bank)
  • Fast approvals
  • Deferred, structured and balloon payments 

Our lending rates vary between 8.95% and 12.95% p.a. Normal lending and credit criteria applies. 

Credit agreement

A credit agreement is the most common form of financing a new or used vehicle. Credit agreements can range from 12 to 60 months with repayments made at a frequency of your choosing (weekly, fortnightly or monthly). You can choose the level of deposit to include, and your existing vehicle can be traded in and included in the agreement. Deferred, structured and balloon (larger final payment) payments are also possible with a credit agreement. Normal lending and credit criteria apply. 

Finance lease

Often referred to as 'lease to own', finance lease is a preferred method of financing for businesses and GST registered individuals. This allows purchasing the vehicle of your choice without diverting valuable working capital from your business. Lease terms can vary between 12 and 60 months and residual values and monthly rentals are negotiable.

Operating lease

Operating Lease is a popular choice for corporates and businesses. At the end of the lease you simply return the vehicle and drive away in a new model. There is no residual liability (other than fair wear and tear) and monthly rentals are often 100% tax deductible. You can also have the option of a full maintenance package built into your monthly rental. 

Consumer Finance Terms and Conditions:

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