Patrick Auto Group — Finance Made Simple

At Patrick Auto Group we not only have the best range of new and quality used vehicles but we can also help with all your finance needs. We have a comprehensive range of Car Finance and Car Insurance facilities available to you at extremely competitive rates in Port Macquarie. Easy to use and non-intrusive information access is part of our application process for your financial needs.

Our Finance Services Include:

• Corporate Lending
• Consumer Lending
• Extended Warranties Available
• Motor Vehicle Insurance
• Loan Payment Protection
• Tyre and Rim Insurance

At Patrick Auto Group, we make vehicle finance easy to understand and accessible for drivers across Port Macquarie. Whether you’re upgrading your family car, purchasing for work, or arranging a novated lease through your employer, our finance team provides transparent options that suit local needs.

Finance options we offer (chattel, consumer, novated)

We provide three main types of finance options to help you drive away with confidence.

Chattel Mortgage: Designed for ABN holders and business operators, this option allows you to claim GST and interest deductions while owning the vehicle from day one. It’s ideal for tradies, contractors, and small business owners seeking predictable running costs.

Consumer Loan: For individuals purchasing a personal vehicle, our consumer loan offers fixed repayments and flexible terms. It’s a straightforward choice for families and everyday drivers who prefer certainty and simplicity in their car finance.

Novated Lease: For employees, a novated lease is arranged through your employer, where repayments are made from your pre-tax salary. This can reduce taxable income and streamline ownership costs. Our team can liaise directly with your payroll provider to make the process seamless.

What you’ll need to apply

Applying for finance at Patrick Auto Group is quick and straightforward. You’ll need to provide:

• Proof of identity (driver’s licence or passport)
• Proof of income (recent payslips or tax returns)
• Employment details
• Vehicle information (make, model, purchase value)

ABN holders may also need to show business registration and financial records. Having these documents ready helps us provide an accurate, same-day pre-approval.

How do we quote repayments

Your finance quote is calculated based on several key factors — the loan amount, term, deposit, and any balloon payment. Our repayment estimates are obligation-free and designed to show realistic figures that align with your budget.

We use a transparent process so you can see how each component affects your total repayment. For a quick overview, you can use the Patrick Auto Group Finance Calculator to estimate weekly or monthly repayments before you apply.

FAQs

1. Are there any fees with my car loan?
   Standard application and establishment fees may apply, and these will always be disclosed upfront before you proceed.
2. Can I pay off my loan early?
   Yes, most finance agreements allow early payout with minimal or no additional cost. Our team will explain the details for your specific loan type.
3. What is a balloon payment?
   A balloon payment is an agreed lump sum due at the end of your loan term. It helps reduce regular repayments and can be refinanced or paid out when the loan ends.
4. How long does finance approval take?
   With the right documentation, approval can often be completed the same day.
5. Can I finance a used car or trade-in?
   Yes, finance is available for both new and used vehicles, as well as trade-ins purchased through our dealership.

Try the finance calculator

See how easy it is to plan your repayments. Use our Finance Calculator to estimate your weekly or monthly payments based on vehicle price, deposit, and loan term. It’s a quick way to understand your options before applying.

Try our Finance Calculator

Get pre-approved today

Apply online or visit our Port Macquarie dealership to get your pre-approval started. Our finance specialists will walk you through your options, help you finalise your documents, and confirm your repayments — all in one visit.

We keep the process transparent and efficient so you can focus on what matters most: finding the right vehicle for your next drive.