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Chatswood

02 8817 4499

Alto Škoda North Shore

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Alto Škoda North Shore

Pb Business Finance
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Get your business moving with a Škoda

Arrange business vehicle finance with Alto Škoda North Shore. Our team can discuss your vehicle requirements, budget and preferred repayment structure, then guide you through the application process.

Approved customers may access up to 100% finance, helping spread the purchase cost while keeping funds available for other business expenses. Lending criteria, fees and conditions apply.

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Compare your finance options

A vehicle loan and a lease offer different approaches to ownership and payments. Our team can explain Chattel Mortgage and Finance Lease options, including their terms and end-of-contract commitments. Your accountant can help assess the tax treatment for your business.

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A Chattel Mortgage – allows your business to purchase a vehicle using a loan secured against it. You own the vehicle from the outset, while the lender holds a security interest until the loan is repaid.

A Finance lease lets your business use a vehicle for an agreed term while the finance provider retains ownership. Your agreement sets out the repayments, residual value and end-of-term obligations. Returning the vehicle does not automatically remove your responsibility for any residual shortfall.

Chattel Mortgage

• Pay an upfront deposit to reduce the amount borrowed.

• Discuss an optional balloon payment, with a lump sum due at the end.

• Depreciation and interest may be tax deductible, depending on your circumstances.

• GST applies to the vehicle purchase; eligibility for credits depends on your business.

Finance Lease

• Make regular payments to use the vehicle over an agreed term.

• Plan for the residual value and your obligations when the lease ends.

• Lease payments may be tax deductible, depending on your circumstances.

• GST applies to lease payments.

Tax outcomes depend on your business use and applicable laws. Confirm the treatment with your accountant before choosing a product.

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The benefits of choosing Škoda finance

  • No annual or account-keeping fees. Other fees and charges may apply.
  • Include eligible registration, CTP, comprehensive insurance and on-road costs in your finance, subject to approval.
  • Reduce regular loan repayments with an upfront deposit or optional balloon payment. A balloon leaves a lump sum due at the end; refinancing is subject to approval.
  • Choose weekly, fortnightly or monthly payments to suit your cash flow. Direct debit and BPAY are available; payment-method fees may apply.
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Fleet finance solutions

Plan your next fleet purchase with Škoda fleet finance. Talk to our team about the vehicles your staff need, your replacement schedule and your budget. We can help you explore the available financing arrangements for your business.

Explore Fleet Finance
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More solutions, fewer worries

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Škoda Choice

Škoda Choice³² offers a Guaranteed Future Value on eligible vehicles and loans, with options to trade in, retain or return the vehicle at the end of the term. Final payment obligations and return conditions apply. Fleet buyers are excluded, so ask our team to confirm eligibility.

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Škoda Insurance

Explore cover designed for Škoda vehicles, with benefits such as genuine manufacturer parts, subject to policy conditions. Check that the policy covers your intended business use and review the Product Disclosure Statement for inclusions, exclusions and limits before deciding.

Frequently Asked Questions

Requirements depend on your circumstances. Self-employed applicants may need recent annual financial statements and tax returns, along with identification and details of income, expenses, assets and existing debts. Our team can confirm what’s needed for your application.

Yes, but if it’s financed through Škoda Financial Services, the loan must be paid out in full when the vehicle is sold. Request a current payout quote before arranging the sale so you know the amount required to settle the finance.

You can request an early payout. Volkswagen Financial Services states that its Commercial Loans do not attract an early termination fee, but some interest remains payable after an interest rebate is applied. Request a payout quote to confirm the amount for your contract.

Škoda Financial Services customers can use the myFinance Portal to check repayments and loan balances, download statements, update contact details and change direct debit information. You can also request a copy of your contract.

Škoda Choice can be added to an eligible Chattel Mortgage on selected vehicles, subject to approval. However, fleet, government, rental, hire car and chauffeur buyers are excluded. Our team can check eligibility for your business and chosen vehicle.

Enquire Now

To get a no obligation, competitive finance and insurance quote, please contact us on 02 8817 4499 or email us using the form below:

Finance

³²Škoda Choice has a Guaranteed Future Value (GFV) which is the minimum value of your vehicle at the end of your finance contract as determined by Škoda Financial Services (SFS) ABN 20 097 071 460, Australian Credit Licence 389 344. If you decide to return your vehicle to SFS at the end of your term, SFS will pay you the agreed GFV, which will be put against your final payment subject to fair wear and tear conditions and agreed kilometres being met. At the end of your term, you can elect to (1) trade-in; (2) return; or (3) retain the vehicle by paying the GFV owed to SFS at the end of the loan term after all repayments have been made. You will be liable for any loan contract deficit and additional charges apply if you exceed the nominated kilometre allowance and/or the vehicle is not in an acceptable condition. Available on new, demonstrator or Certified Pre-Owned vehicles for selected Škoda models. Contact your nearest Škoda dealer to check eligible vehicles for this program. To see if this product is right for you, please see our Target Market Determination on our website and/or seek independent advice. *Subject to a credit assessment and SFS lending criteria. Fleet, government, rental buyers, hire car and chauffeur companies excluded.

Škoda Financial Services (SFS) ABN 20 097 071 460, Australian Credit Licence 389344. View the Target Market Determination for our Financial Services products here.