What is Guaranteed Future Value?
Guaranteed Future Value or GFV is a product offering by Angle Auto Finance that gives you flexibility at the end of your finance contract. When that happens, you can trade in your vehicle at one of our participating dealers and continue your journey with us, choose to pay the outstanding amount owing on the contract to keep your vehicle, or return your vehicle to us and use the GFV to settle your contract, provided you have met the GFV terms and conditions. It’s a smart and flexible way to purchase your vehicle that provides you with peace of mind knowing the value of your car at the end of your contract, and the choice of being able to trade in, keep or return.
Available via your dealer. Ask about GFV today!
Download GFV brochure
Benefits at a glance
Peace of mind
Benefit of knowing what the guaranteed future value* of your vehicle is at the end of the loan term
Greater
flexibility
Choice of loan term and
annual kilometre
allowance to suit your
needs and lifestyle
Lower monthly repayments
Compared to a standard
loan without a final lump
sum payment over the
same term^
More choice
Option to trade in, keep or
return the vehicle at the
end of the loan term
^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.
Flexibility at the end of your loan
Everyone's lifestyle and 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 your vehicle, keep your vehicle by paying the outstanding amount owing on your finance contract or return the vehicle to us and use the GFV to repay the balance of the loan.
Trade In
Trade in your vehicle at a participating dealer, giving you the chance to step into another eligible new or demonstrator vehicle and continue your journey with us. If your trade in value is higher than the GFV, you can use the difference towards the purchase price of the new vehicle.
Keep
Keep your vehicle by paying the outstanding amount owing on your finance contract.
Return
Return your vehicle to us knowing that the GFV will help to ensure the amount you receive when you return your vehicle is enough to pay the amount owing at the end of your contract term. This is as long as the vehicle is returned in an acceptable condition, the selected kilometre allowance has not been exceeded and the contract terms and conditions have been satisfied.
How does GFV work?
Choose if you wish to pay a deposit or not.
Select your loan term from the term options available.
Choose the distance in kilometres you intend to travel each year from the options available**.
We'll let you know what your contractual repayments and GFV will be.
**Excess kilometre charges will apply if the contracted kilometre allowance is exceeded. Refer to the GFV terms and conditions for more 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 as 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 have to pay out the outstanding amount owing on your finance contract. Please consider whether this GFV product is appropriate for your circumstances. Before acting on any of the information in this document, please seek independent advice. Approved applicants only. Eligibility criteria, terms, conditions, fees and charges apply. Fleet, government, rental buyers, hire car and chauffeur companies are excluded. Available only at participating dealers on eligible new and demonstrator vehicles when an application for an eligible Angle Auto Finance Fixed Rate Loan or Vehicle loan has been approved. Full terms and conditions are available upon request. Finance issued by Angle Auto Finance Pty Ltd ABN 16 161 130 696 Australian credit licence 530731.