Jaguar finance options

How do you sum up a company with such a rich past like Jaguar? Perhaps the old Jaguar slogan of “Grace, Space, Pace” best exemplifies the British sports car maker.

Looking through Jaguar’s history, you’ll see the company built Spitfires during World War 2 and ran a Formula One team that later became Red Bull Racing. During the 1960s, powerful Jaguars became the bank robber’s getaway car of choice. In response, the police purchased hundreds of Jaguars as pursuit cars.

Modern Jaguars are generally prestige or performance cars and used as head-of-state transportation by the British prime minister and even the Queen.

Drive-away prices in this guide are for postcode 2000.

Jaguar Australia models

In Australia, Jaguar markets seven models plus select Special Vehicle Operations (SVO) versions.

SUVs

• Jaguar F-PACE. The F-PACE is a luxury SUV, featuring a lightweight aluminium architecture that creates car-like handling. ANCAP awarded the F-PACE a five-star safety rating thanks to the inclusion of curtain airbags, autonomous emergency braking (AEB), lane departure warnings and speed assist systems as standard. Owners can choose between a range of efficient Ingenium line engines or two high-power performance engines. A dual-view screen allows the driver to see navigation while a passenger can watch a movie from the same display. Prices start at $81,855.31 drive-away for a Prestige all-wheel drive (AWD) petrol engine model.
• Jaguar E-PACE. Inspiration for the exterior of the E-PACE came from sports coupés, making this SUV less rugged and more sculpted. E-PACE models have AWD and Active Driveline to improve cornering. There’s also JaguarDrive Control that enables you to tailor the car’s response to different terrains. E-PACE prices start at $56,493.30 for an AWD Ingenium petrol engine model.
• Jaguar I-PACE. The I-PACE is Jaguar’s first all-electric car and a serious Tesla Model X competitor. The I-PACE has all the technology and equipment you’d expect for a current vehicle but with an electric motor that delivers 294kW, a top speed of 200km/h and a 480km range between charges. The I-PACE will launch in Australia in October 2018, with an expected asking price of $119,000.

Saloons (sedans)

• Jaguar XE. The Jaguar XE is a stylish mid-size sedan. Media outlets describe the XE as a fun-filled alternative to German sedans, with excellent engine and handling. The base trim for the XE is nothing short of impressive, with AEB, dual-zone climate control, cruise control, keyless entry, reversing camera, parking sensors, parking assists, auto wipers – we could go on. You’ll find XE Prestige models with a 2.0-litre petrol and rear-wheel drive (RWD) from $66,833.30.
• Jaguar XF. The XE’s bigger sibling, the Jaguar XF is available as a sedan or an imposing wagon that Jaguar calls a Sportbrake. The XF is equally well-equipped as the XE, with additional cabin space and a comfortable, engaging ride. A 2.0-litre petrol Prestige XF sedan will set you back $84,070.50.
• Jaguar XJ. A competitor to the Mercedes-Benz S-Class, BMW 7 Series and Audi’s A8, this is the Jag chosen by Queen Elizabeth. As one reviewer wrote, the XJ blends a coupe-like exterior with old-world charm and underdog status. You’ll find 3.0-litre V6 diesel XJ Premium Luxury models from $225,818.30.

Sports cars

• F-TYPE. The spiritual successor to the famous E-TYPE. Built around lightweight aluminium underpinnings, the F-TYPE comes with a choice of engines, from the conservative turbocharged 2.0-litre I4 to a monstrous supercharged 5.0-litre V8. Jaguar offers hardtop coupe and soft-top convertible body styles. SVR trim brings a 423kW engine, lightweight titanium, carbon fibre rear wing and a top speed of 322km/h. The F-TYPE currently retails at around $141,963.30 drive-away for the smaller 2.0-litre I4 RWD models.

Jaguar has 74 service and sales outlets throughout Australia.

Jaguar financing options

Learn about the different ways you can buy a new or used Jaguar, including consumer loans, novated leasing, chattel mortgages or secured/unsecured car loans.

• Jaguar Australia consumer loan. Jaguar Australia dealers can arrange finance through the brand’s financial services arm. Approved customers get up to 100% finance, so there’s no need to place a large deposit down. Jaguar consumer loans are flexible, with loan terms of one to seven years. There are no annual charges and the loan has a fixed interest rate. Lenders list your Jaguar as security for the loan and you can reduce the monthly repayments by having an upfront deposit or a balloon payment at the end of the agreement. If you like to swap your vehicle for a newer one every few years, the Jaguar Guaranteed Future Value scheme may also be of interest. After the agreed term, you can trade in your Jaguar for a newer model, purchase it outright or simply hand it back to the dealership. This scheme is subject to a kilometre limit. finder.com.au lets you quickly compare car loans for Jaguars.
• Jaguar financial services salary packaging (novated lease). Novated leasing is an agreement between you, your employer and Jaguar’s financial services department. This financing option means that your employer pays for the car using money from your pre-tax income over a set period. The finance covers 100% of the cost, including rego, on-road costs and insurance. There are no extra annual fees or charges and leases can be up to five years. This has a major advantage in that it may save you money on tax. Employers offer novated leasing as it attracts talented and experienced staff. If you leave your job then your next employer will need to take over the novated lease contract payments. Make sure to read our novated leasing guide.
• Jaguar financial services chattel mortgage. If you’re buying a Jag for business use, a chattel mortgage makes a lot of sense. At the time of purchase you take ownership of the vehicle, also known as the chattel or personal possession. The lender makes funds available by mortgaging or borrowing money, with the Jaguar used as security for the loan. The financier registers an interest with the Personal Property Securities Register. Benefits include flexible loan repayment periods, tax-deductible depreciation and interest, as well as the ability to determine a final payment of 0% to 60%, reducing the monthly cost. Chattel mortgages offer competitive interest rates thanks to the collateral, in this case, your new Jaguar. You must use the vehicle principally for business purposes. Want to know more about chattel mortgages for car buying?
• Secured car loan. A secured car loan offers lower interest rates than an unsecured one, as the car you buy is used as collateral for your loan. This reduces the risk factor for lenders and they pass on a more competitive interest rate, meaning you also benefit from lower monthly payments. If you breach your contract by failing to make payments on the car, the loan company will repossess it. You can get secured car loans for both new Jaguars and qualifying used models. With a secured loan, the money you borrow can only be used to pay for the car – you cannot use the lump sum to also pay for on-road costs or CTP insurance.
• Car lease. This is a flexible purchasing method for business owners. Jaguar financial services lists leasing as an option. The lender purchases your chosen vehicle and then leases it back to you over an agreed period with fixed repayments. At the end of the term, you can negotiate a new lease on this car, on an entirely different one or pay the residual value and make it yours. Leasing also has possible tax benefits and allows you to know your ownership costs ahead of time. Want to learn about the benefits of car leasing?
• Commercial hire purchase. You can purchase a new Jaguar through the dealer network with a commercial hire purchase. The lender acquires the vehicle on your behalf then hires it back to you. Unlike a lease, you’re not the owner of the vehicle. However, at the end of the agreed term, when the vehicle has been paid for in full, you take ownership of the car. You may be able to reclaim GST on the vehicle purchase price, any fees, interest and even depreciation. Compare Jaguar commercial hire purchase deals.
• Unsecured car loan. Unsecured loans make sense when you want to borrow money but don’t want to offer the vehicle as collateral on the loan, or you need to spend some of the money on something unrelated to the car. Because these loans have no security for the lender, they do have higher interest rates. Compare unsecured loans using our handy tool.

Jaguar loan example

Jaguar finance comparison

Here’s a breakdown of the different Jaguar purchasing options for a 2017 XF Prestige 2.0-litre diesel model, valued at $94,990 drive-away. These figures are from Jaguar’s finance calculator tool.

By way of comparison, a secured car loan on the same amount for a Jaguar XF Prestige would cost around $554.89 per week with a fixed interest rate starting at 5.29%. The biggest advantage of a secured loan? There’s no deposit or balloon payment, which from the chart above could be as high as $28,500 at the end of your agreement. You will have to pay a monthly service fee of $8.90 and an application fee of $459.20.

Puzzled by all the legal jargon and information around car loans? Use our simple car loan repayment calculator to work out exactly how much you’ll pay each month.

Jaguar running costs

Jaguar running costs including general fuel, insurance, servicing and maintenance expenses. The XF requires a service every 12 months or 26,000km, whichever comes first. Annually, you’ll pay $499 on servicing. Driving 15,000km per year, you’ll use $939 worth of fuel. The second service for a Jaguar XF costs between $550 and $760. Compared to rival vehicles, the servicing interval/cost is pretty competitive. You should also factor in rego, testing, depreciation and car insurance costs. You’ll save money by driving more economically and buying the right spec vehicle, minimising depreciation.

Which Jaguar financing offer is best for me?

Only you can answer this question. You know how much income you have and how much you can afford to spend. Once you’ve determined this, choose the financial option that gives you the most benefits. Consider the following five factors:

• Interest rates. Finance companies charge you interest; this is the primary way they make money and offset the risk they take by lending you a large sum. Make sure you understand the differences between fixed and variable rate loans. Generally, you want as low an interest rate as possible.
• Fees. Loans have additional fees associated with them. Some include monthly service charges and lenders often ask for an application fee that could be as much as $450. Read all the fine print, including if the financing company charge for missed or early payments.
• Flexibility. Does this financing package give a payment break around insurance and rego time? Can you change the payment schedule? Can you set the loan repayment term?
• Balloon/deposit payments. If you can afford to put down a deposit or pay the residual value in a balloon payment, you could save on the interest paid and lower the monthly cost.

Loans suitable for purchasing a Jaguar

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Name	Interest Rate (p.a.)	Comp. Rate (p.a.)	Application Fee	Monthly Fee	Monthly Repayment
Simplify New Car Loan Fixed1 - 7 Years $10,000 - $300,000	Interest Rate (p.a.) 6.19% to 18%	Comp. Rate (p.a.) 6.6% to 23%	Application Fee $395	Monthly Fee $0	Monthly Repayment $622.21	Go to siteMore Info Compare
IMB New Car Loan Fixed1 - 7 Years $2,000 - $125,000	Interest Rate (p.a.) 6.24%	Comp. Rate (p.a.) 6.59%	Application Fee $274.78	Monthly Fee $0	Monthly Repayment $619.01	Go to siteMore Info Compare	You'll receive a fixed rate of 6.24% p.a. A low minimum borrowing amount of $2,000 that you can use to purchase a new car or one that's up to two years old.
loans.com.au - New - Variable Rate Special Variable3 - 7 Years $5,000 - $150,000	Interest Rate (p.a.) 6.24% to 7.74%	Comp. Rate (p.a.) 7.36% to 8.85%	Application Fee $400	Monthly Fee $8	Monthly Repayment $630.83	Go to siteMore Info Compare
OurMoneyMarket New Car Loan Fixed1 - 7 Years $5,000 - $75,000	Interest Rate (p.a.) 6.57% to 18.99%	Comp. Rate (p.a.) 7.19% to 21.78%	Application Fee $250 min.	Monthly Fee $0	Monthly Repayment $622.82	Go to siteMore Info Compare
Stratton Finance New Car Loan Fixed1 - 7 Years $10,000 - $300,000	Interest Rate (p.a.) 6.52% to 18%	Comp. Rate (p.a.) 6.95% to 23%	Application Fee $395	Monthly Fee $0	Monthly Repayment $625.27	Go to siteMore Info Compare	You'll receive a fixed rate from 6.52% p.a. depending on the lender you are approved with. Apply for up to $300,000 and use cash or trade in a vehicle to use as a deposit. Optional balloon payment available.
RACV New Car Loans Fixed1 - 7 Years $5,000 - $150,000	Interest Rate (p.a.) 7.29% to 16.99%	Comp. Rate (p.a.) 8% to 17.77%	Application Fee $499	Monthly Fee $0	Monthly Repayment $635.67	Go to siteMore Info Compare	You'll receive a fixed rate from 7.29% p.a. A larger loan of $5,000 or more to help you buy a new or used car. 5-hour pre approval available and no ongoing fees.
OurMoneyMarket Used Car Loan - No Vehicle Age Limit Fixed1 - 7 Years $5,000 - $75,000	Interest Rate (p.a.) 6.57% to 18.99%	Comp. Rate (p.a.) 7.19% to 21.78%	Application Fee $250 min.	Monthly Fee $0	Monthly Repayment $622.82	Go to siteMore Info Compare
Simplify Used Car Loan Fixed1 - 7 Years $10,000 - $300,000	Interest Rate (p.a.) 6.19% to 18%	Comp. Rate (p.a.) 6.6% to 23%	Application Fee $395	Monthly Fee $0	Monthly Repayment $622.21	Go to siteMore Info Compare
Stratton Finance Used Car Loan Fixed1 - 7 Years $10,000 - $300,000	Interest Rate (p.a.) 6.52% to 18%	Comp. Rate (p.a.) 6.95% to 23%	Application Fee $395	Monthly Fee $0	Monthly Repayment $625.27	Go to siteMore Info Compare	You'll receive a fixed rate loan from 6.52% p.a. with a comparison rate of 6.95% p.a. A used car loan of up to $300,000 with quick approval times and balloon payment options.
loans.com.au - Variable Rate Used Car < 5 years Variable3 - 7 Years $5,000 - $150,000	Interest Rate (p.a.) 7.74% to 7.74%	Comp. Rate (p.a.) 8.85% to 8.99%	Application Fee $400	Monthly Fee $8	Monthly Repayment $644.82	Go to siteMore Info Compare
RACV Used Car Loans Fixed1 - 7 Years $5,000 - $150,000	Interest Rate (p.a.) 8.49% to 16.99%	Comp. Rate (p.a.) 9.21% to 17.77%	Application Fee $499	Monthly Fee $0	Monthly Repayment $647.01	Go to siteMore Info Compare	You'll receive a fixed rate from 8.49% p.a. Benefit from no ongoing fees, 5-hour approval and a 21-day satisfaction guarantee. Interest rate discounts for members.
loans.com.au - Fixed Rate Used Car < 3 years Fixed3 - 7 Years $5,000 - $150,000	Interest Rate (p.a.) 7.59% to 8.79%	Comp. Rate (p.a.) 8.7% to 10.04%	Application Fee $400	Monthly Fee $8	Monthly Repayment $643.41	Go to siteMore Info Compare
Latitude Variable Rate Personal Loan Variable2 - 7 Years $5,000 - $70,000	Interest Rate (p.a.) 9.49% to 29.99%	Comp. Rate (p.a.) 10.93% to 31.83%	Application Fee $395	Monthly Fee $13	Monthly Repayment $666.22	Go to siteMore Info Compare	Special Finder offer: Establishment fee waived (save $395) for approved personal loan applications submitted through Finder. T&C’s apply. Offer must be taken up through Finder and may be withdrawn at Latitude’s discretion.

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Product FCI	Roadside assistance	Accidental damage	Storm	Choice of repairer	Agreed or Market Value
Youi Comprehensive Finder Award				Optional	Agreed or Market	Summary: One of the only insurers to automatically include roadside assistance. It also won 12 out of the 22 categories in Finder's 2024 customer satisfaction awards. Winner of 12 out of the 22 categories in Finder's 2024 customer satisfaction awards. Yes, that many.	Get QuoteView details Compare	loading Fetching your data...
Budget Direct Comprehensive Finder Award	Optional			Optional	Agreed or Market	Summary: The 2024 winner of our Best Value Car Insurance award. It's cheaper than most, plus you can lower costs by adding age restrictions. ⭐ Current offer: 15% off your first year's premium when you take out a policy online. T&Cs apply. Who it might be good for: Anyone who wants a good value policy.	Get QuoteView details Compare	loading Fetching your data...
Qantas Comprehensive	Optional			Optional	Agreed or Market	Summary: You need car insurance so why not get one that lets you earn Qantas Points? It's good value too (it's underwritten by the same insurer as Budget Direct). ⭐ Current offer: Earn up to 40,000 Qantas Points with every car insured by 29 January. Plus save 15% on your 1st year’s premium when you purchase online. T&Cs apply. Who it might be good for: People who want more bang for their buck with Qantas Points.	Get QuoteView details Compare	loading Fetching your data...
Youi Comprehensive Finder Award				Optional	Agreed or Market	Summary: One of the only insurers to automatically include roadside assistance. It also won 12 out of the 22 categories in Finder's 2024 customer satisfaction awards. Winner of 12 out of the 22 categories in Finder's 2024 customer satisfaction awards. Yes, that many.	Get QuoteView details Compare	loading Fetching your data...
ALDI Comprehensive					Agreed	Summary: ALDI's comprehensive insurance policy covers your car for an agreed value and a variety of policy benefits. Who it might be good for: Ideal for those seeking competitive coverage limits, though other products may have higher limits.	Get QuoteView details Compare	loading Fetching your data...
Huddle Black Comprehensive					Agreed or Market	Summary: This goes further than most insurers. You get up to 2k for stolen keys, roadside assistance and rental car excess cover (for car rentals in Australia). Who it might be good for: Those who want top cover for their car.	Get QuoteView details Compare	loading Fetching your data...
QBE Comprehensive Green Company				Optional	Agreed or Market	Summary: Our best-rated Car Insurer for Customer Satisfaction in 2021/2022 and Green Insurer for the last 3 years. ⭐ Current offer: Save $75 when you purchase a new comprehensive policy online. T&Cs apply. Who it might be good for: Those who want a trustworthy insurer and more cover than other brands, such as 3-year new car replacement (e.g. they'll give you money for a new car for up to 3 years if yours is written off).	Get QuoteView details Compare	loading Fetching your data...
Australia Post Comprehensive				Optional	Agreed or Market	Summary: Covers a little more than other insurers. You don’t need to pay an excess for windscreen repairs and cover applies to anyone who uses your car. ⭐ Current offer: Get $75 off your first year's comprehensive car insurance premium when you buy online. T&Cs apply. Who it might be good for: Multiple people using one car.	Get QuoteView details Compare	loading Fetching your data...

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Frequently asked questions about Jaguar financing

Should I buy a new or used Jaguar?

Buying a new car from the dealer means you get a long manufacturer warranty, a car that you can customise and spec as you wish and the satisfaction of owning a new car. Dealers can arrange finance, meaning you only have to deal with one company and there’s very little legwork for you. You may also be able to negotiate a significant discount if you have the means to buy the car there and then. Dealers also stock a range of approved used cars that present big savings versus factory fresh models, but you’re limited to the colour and trim the previous owner decided upon.

Buying a used car privately presents more risk – after all, the seller could be a con merchant. But if you’re careful, know what you’re looking for and take the time to look at a few different cars for sale, you might save a fortune over buying from a dealer.

Which Jaguar should I buy?

What exactly are you looking for in a Jag? If you’re after something luxurious with road presence, then consider the Jaguar XJ. If you’re after a premium SUV but don’t fancy a Range Rover or Porsche, the F-PACE might be for you. Want an all-out weekend toy or track car? Go for the F-TYPE SVR.

What about the electric Jaguar?

This year, Jaguar will bring its all-electric I-PACE SUV to Australia. In tests, it looks like a serious competitor to the Tesla Model X.
Pictures: Shutterstock
Prices and rates accurate as at time of publishing 23/05/2018

Written by

Ben Gribbin

Writer

Ben Gribbin is an automotive writer at Finder. He is a life-long car enthusiast, bringing many years of experience working with and writing about cars. During his time, Ben has been a freelance writer, editor and reviewer for a number of leading publications across the UK. He was voted the Guild of Motoring Writers Breakthrough Blogger in 2015. See full bio