Car Finance
Guaranteed Future Value
Lower repayments now. Locked-in future value of your vehicle. Your move.
What is Guaranteed Future Value?
Guaranteed Future Value (GFV) locks in your vehicle’s future value (as determined by us) upfront – available when you finance through a participating dealership. It gives you more certainty, knowing what the guaranteed future value of your car is at the end of your loan term. Plus:
- Lower monthly repayments^
- More flexibility and choice at the end of your loan
- Extra peace of mind
To find out more, keep reading or speak to a participating dealer.
Benefits at a glance
Peace of mind
Know what the guaranteed future value of your vehicle will be at the end of your loan, upfront.
Greater flexibility
Pick a loan term and annual kilometre allowance that fits your drive and life.
Lower repayments
Compared to a standard loan without a final lump sum payment over the same term and same amount financed^.
More choice
Option to trade in, keep or return the vehicle at the end of the loan term.
Flexibility at the end of your loan
Everyone’s situation is different. That’s why there are three different options for you to choose from when your contract comes to an end:
Trade In
Trade in your vehicle at a participating dealer and continue your journey with us in another eligible new or demonstrator vehicle, once a new loan application is approved with us. If your trade in value is higher than the amount owing on the loan, you can use the difference towards the purchase price of the new vehicle.
Keep
Love your ride? Keep your vehicle by simply paying the outstanding amount owed on your finance contract.
Return
Return your vehicle to a participating dealership and the agreed future value amount for your vehicle will be used to satisfy the balloon payment amount under the loan contract– so long as the vehicle is in an acceptable condition, the selected kilometre allowance has not been exceeded, and the contract terms and conditions have been satisfied.
Guarantee the future value of your vehicle
To apply, get in touch with an Angle Auto Finance accredited dealership. They’ll take you through the below options:
Choose
Choose whether to pay a deposit (unless a deposit is required as part of promotional terms and/or conditions of application approval).
Select
Select your loan term from the options available.
Estimate
Work out the distance in kilometres you intend to travel each year (we’ll provide options)**.
Receive
Find out what your contractual repayments and vehicle’s guaranteed future value will be.
How does Guarantee Future Value compare with our other loans
| Features | Guaranteed Future Value Loan |
Standard Consumer or Business Loan |
|---|---|---|
| Fixed rate for loan duration | ||
| Guaranteed Future Value | ||
| Flexible end of loan options (Trade, Keep or Return) | ||
| Lower monthly repayments^ | ||
| Loan term | Up to 5 years | Up to 7 years |
| Personalised rate and repayments |
Frequently asked questions
A GFV is an option that allows you to lock in an agreed future value of your car at the end of the loan, subject to meeting terms and conditions.
You have three options for your vehicle:
- Trade it in – use as a deposit for a new vehicle with an approved new loan with us. Any amounts owing on the loan, however, will need to be paid.
- Keep it – pay us out the amount owed on the contract.
- Return it – hand it back to an accredited participating dealer and the agreed future value amount will be used to satisfy the balloon payment amount under the loan contract (subject to the vehicle meeting the Angle Auto Finance GFV Fair Wear & Tear Guidelines and agreed kilometres allowance).
Under a GFV contract you decide on the term of your loan. A range of options are available depending on the vehicle purchased and how many kilometres you expect to drive each year. The number of kilometres you travel affects the guaranteed future value of your vehicle at the end of the loan term. It’s important that you pick an annual kilometre limit that matches the amount you expect to drive, because any kilometres driven in excess of this limit will incur an excess kilometre charge (an amount per extra kilometre) that is deducted from the GFV amount at the end of your loan term.
A range of options are available depending on the vehicle purchased. It’s important that you pick an annual kilometre limit that matches the amount you expect to drive, because any kilometres driven in excess of this limit will incur an excess kilometre charge (an amount per extra kilometre) that is deducted from the GFV amount at the end of your loan term.
If you go over your total kilometre allowance at the end of your contract, an excess kilometre charge will be applied as a reduction to the vehicle’s GFV. To check the excess kilometres fees, please refer to the details and terms of your GFV loan contract.
Related important documents
For full information about this product, please download and read these documents. If you have further questions, please speak to an accredited participating dealer. You’re also welcome to contact us online or call 1300 561 868.
GFV Brochure
This brochure provides more information about the Angle Auto Finance Guaranteed Future Value product.
Fair Wear & Tear Guidelines
The guidelines provide examples of acceptable and unacceptable wear and tear and should be read with the Fixed Rate Loan Details or Vehicle Loan Details and General Terms, and the Guaranteed Future Value Details and Terms.
Important information
The Guaranteed Future Value (GFV) is the minimum future value of your vehicle at the end of the loan term subject to fair wear and tear conditions and agreed kilometres being met and is determined by Angle Auto Finance before the start of your loan. It is not a representation by Angle Auto Finance as to the likely market value of your vehicle at the end of your finance contract. Provided you comply with the GFV terms and conditions, the GFV amount you receive at the end of the loan term will satisfy the balloon amount on your finance contract, even if the value of the vehicle is less than the balloon amount. Adjustments to the GFV amount may apply. If you wish to trade in or keep your vehicle, you must pay out the outstanding amount owing on your finance contract. Please consider whether a GFV product is appropriate for your circumstances and seek independent taxation advice.
^Compared to the monthly repayments for a standard loan with the same loan term, same amount financed and no balloon. Your total interest charged may be higher if you choose the GFV product in connection with your loan, compared to a loan without the GFV product.
**Excess kilometre charges will apply if the contracted kilometre allowance is exceeded. Refer to the GFV Product Information Guide here for more information.