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Use our easy-to-read table to help you decide
whether a vehicle loan or finance lease would be best for you

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MTF HQ 03 477 0530

Loan

Operating lease

Finance lease

Ownership
At the end of the contract
Residual value liability
Goods
Can be new or used
Recorded on your balance sheet
Interest
Fixed rate for full term of contract
Calculated on GST inclusive price
Calculated on GST exclusive price
Tax benefits for business
Interest and depreciation deductible
Interest and principle are deductible
GST
Calculated on cost of goods
Risk protection
Comprehensive insurance (required)
Mechanical breakdown insurance (optional)
Payment waiver (optional)
Term
Minimum-maximum 3 - 48 months 6 - 45 months 46 - 48 months