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Paying Cash vs Financing a Car

We’re all diverse in terms of our desires, needs, and financial circumstances. When it comes to buying a car, there are several key elements that appeal to us depending on the type of driving we’ll be performing. Whether you’re driving the family, going to work, or hauling a trailer, this will make you think about …

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Mistakes people make with car loans

It’s a lot of fun shopping for a new car. Researching all the possibilities and test driving each of the potential models, then choosing on the one that’s ideal for you and slipping into the driver’s seat of your gleaming vehicle, breathing the indescribable new car scent… There aren’t many feelings that can compare to …

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Used Equipment Loans

Are you a tradie looking to purchase a piece of used equipment that’s over 15 years old? The best rates and terms on used equipment loans at your fingertips. When it comes to equipment loans, many people are under the impression that it will cost them more to finance an older equipment compared to the …

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Salon Laser equipment finance

Berra finance offers Quick and Easy finance solutions for Health, Beauty & Fitness Industries. Most small businesses require funding to grow. Statistically, up to 80 % of all equipment is financed in some way.  As most banks struggle with funding non-medical Health & Beauty industry equipment, many businesses use their Credit Cards, Private Lenders or precious …

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Used truck loans

Are you a truckie or courier looking to expand your fleet with used trucks or used trailers? The best rates and terms on used truck financing are at your fingertips. When it comes to truck loans, many people are under the impression that it will cost them more to finance an older truck compared to …

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Car Loan Pre-approval Explained

What is a car loan pre-approval? Car loan pre-approval is when your lender agrees in principle to lend you a certain amount of money to buy a car, subject to credit approval and a lender accepted invoice from the dealer or the private sale vendor. This implies that, based on the information you provide at …

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Small Business Start-up Loans

Taking the plunge into a new business venture is both exciting and daunting. On the one hand, you’ll finally be in charge; you’ll be the master of your own destiny, chasing achievement in a field that you actually care about. On the other hand, you now have a laundry list of items to check off …

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Car Depreciation

Depreciation is the natural wear and tear of property and assets over time. While almost everything depreciates, only owners of income-producing properties and businesses can claim depreciation as a tax deduction. These deductions can be claimed as either capital works or plant and equipment. A motor vehicle is classed as a plant and equipment asset …

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What is a Chattel Mortgage?

A chattel mortgage is a type of commercial vehicle finance. Under a chattel mortgage Australia, a lender loans money to a customer to purchase a vehicle. The customer then begins to make regular payments. Ownership of the vehicle is taken by the customer at the time of purchase, but the lender takes out a mortgage …

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Car Loans and Credit Scores

In promising news for prospective buyers with a shaky credit history, there’s no fixed minimum credit score for a car loan in Australia.However, as lenders refer to your credit score to determine the risk of providing a loan to you, a lower score might make them wary of lending to you. Consequently, they might charge …

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What Influences Your Interest Rate

If you’re ready to finance a new car, truck, construction equipment or something else and you’ve been shopping around at a few different banks and lenders, chances are you’ve discovered that the rate of interest on offer can wildly vary depending on who you’re talking to.Additionally, there may be one lender that will approve your …

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Trading in a Financed Car

Is it possible to trade in a car that’s still financed? The simple answer is yes. When you take out a car loan, you are signing a legally binding contract and agree to pay back the full amount, including interests and fees. If you want to buy another car, you will still have to deal …

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