Finance & Insurance

BACK > Finance & Insurance

Motoco Cairns and Townsville | Finance

Motoco offers a range of Finance & Insurance options to suit every need and budget.

These include:

  • Consumer Loan - Consumer Loan product is a convenient and flexible way for you to obtain finance for the New or Used car of your choice. The vehicle is used as security for the loan, however you have ownership from the beginning of the contract. Upon the final payment you get clear title to the vehicle. A Consumer Loan is regulated under the terms of the Consumer Credit Code.
  • Finance Lease - Leasing is a rental agreement between you and Motoco where the rentals can be tailored to meet your individual needs. The residual value is set according to Australian tax life and depreciation guidelines. At the end of the lease agreement, you may, subject to our approval offer to purchase the vehicle for the residual amount. Finance Lease is for the business user.
  • Corporate Hire Purchase - With a Hire Purchase agreement , payments can be tailored to meet business cashflow. You also have the option of purchasing the vehicle at any time during the life of the contract. This type of financing is traditionally for the business user and can be approved in the name of an individual or company.
  • Novated Lease - a three-way agreement between the Financier, you and your employer.
  • Chattel Mortgage - a new, smarter approach to vehicle financing. A solution that offers you the immediate use of a vehicle for your business.
  • Operating Lease - most suitable product for your business if you need to turnover your fleet on a more regular basis.

*Motoco Group arranges insurance as agent of the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708. We do not provide advice on this insurance based on any consideration of your objectives, financial situation or needs. Policy terms, conditions, limits and exclusions apply. Before making a decision about insurance please consider the Product Disclosure Statement available from us. If you buy insurance from us we may receive a commission which is a percentage of the premium. Ask us for more details before we provide our services.

Loan Calculator

Use this Loan Calculator as a guide to see how affordable a Quality Motor Vehicle from Motoco can be. USE AS A GUIDE ONLY.



* This calculator is provided for illustrative purposes only and does not constitute a quote. Information provided by this calculator is based on the accuracy of information provided and does not take into account your personal needs and financial circumstances. If you apply for a loan your interest rate will be based on your individual credit assessment. Terms and conditions apply. We will not store the information provided in this calculator.

Register My Interest in Finance

* Indicates required fields

Select Dealer Location*

First Name *
Email Address *
Contact Telephone

Finance Product Type

Consumer Loan
Finance Lease
Hire Purchase
Novated Lease

Chattel Mortgage
Operating Lease

Additional Information

Vehicle To Trade



If you would like to receive email marketing communication updates from Motoco, please place a tick in this box.

By sending your request, you give Motoco permission to contact you. Your information will be handled in accordance with our Privacy Policy.