Personal and asset finance
Finance for vehicles, equipment and the purchases that keep life or business moving.
SPECK Finance helps clients compare suitable personal and asset finance options, understand the total cost and choose a structure that fits the purchase and repayment goals.
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Vehicle finance
Finance may be available for new or used cars and other eligible vehicles. The suitable structure can depend on the asset, its age, purchase source, intended use, deposit and your financial position.
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Business equipment and assets
Asset finance can help eligible businesses acquire vehicles, machinery and equipment without paying the entire purchase price upfront. Available products, terms and documentation requirements vary between lenders.
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Personal loans
An unsecured personal loan may be considered for an eligible personal purpose when asset-secured finance is not appropriate. Interest rates, fees, repayment flexibility and early payout conditions should be compared as part of the overall cost.
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What we compare
- Interest rate, fees and total amount repayable
- Loan term and repayment frequency
- Secured and unsecured structures
- Extra repayment and early payout conditions
- Balloon or residual payments where applicable
- Lender eligibility and asset requirements
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A clear application process
We explain the documents required, prepare and submit the application, respond to lender questions and keep you updated. Approval is subject to lender assessment, verification and the asset being acceptable.
FAQ
Questions people often ask
Can SPECK Finance help with a car loan?
Yes. SPECK Finance can compare suitable vehicle finance options, subject to your circumstances, lender criteria and the vehicle being acceptable.
Can I make extra repayments?
This depends on the lender and product. We can compare extra repayment and early payout conditions before you proceed.
Do you arrange business asset finance?
Yes. Eligible business vehicles, machinery and equipment may be financed through suitable asset finance products.
Ready when you are
Let’s talk about your next step.
No pressure and no silly questions—just a clear conversation about your position and what may be possible.