Jeep finance

This guide will help you understand the different types of Jeep finance available.

Jeep finance: What's available?

• Dealer Finance. Jeep dealerships offer financing directly to private and business buyers. Chrysler Group Financial is the official Jeep finance provider in Australia.
• Dealer Consumer Loan. Jeep's finance division has a selection of consumer loans with terms of 12-84 months for private buyers. Deposits are optional and the loan comes with fixed interest rates. At the end of the finance contract, you can make a balloon payment or refinance the outstanding value for up to three additional years.
• Chattel Mortgage. This is a useful option for business owners and commercial buyers. Your business takes ownership of the Jeep while the lender uses the vehicle as security for the loan until you pay off the loan.
• Commercial Hire Purchase. Your business can lease the vehicle from Jeep over an agreed time frame, up to a maximum of 60 months. The monthly payments are typically fixed and pre-agreed. At the end of the lease, you have the option to purchase the vehicle or return it.
• Finance Lease. This is similar to a hire purchase and the lender retains ownership of the Jeep. You will often have to make a balloon payment at the end of the agreement.
• Novated Lease. A novated lease is a three-way financing agreement between you, your employer and a financing company. You agree to the payment terms and your employer takes the amount from your pre-tax salary, forwarding it to the finance business who owns the vehicle.
• Secured car loan. Secured car loans may limit the kind of Jeep available for purchase. Some companies will only lend on vehicles up to two years of age. Rates range from 5% to 10% p.a. These loans are subject to application and monthly fees.
• Unsecured loan. Unsecured personal loans tend to have a higher interest rate, but more flexibility. You can use this loan to cover other expenses like on-road costs or additional car accessories.

What to consider when taking out Jeep finance

When making your purchasing decision, you will want to factor in the following:

• Interest rate. Interest rates vary from lender to lender. The interest rate is also affected by the assets you offer as security. Compare a range of loans to make sure you get the most competitive rate.
• Loan Term. How long will you be borrowing the money?
• Fees. Determine what upfront costs there will be at the start of your finance agreement. Are there any ongoing costs, such as monthly charges added to the loan?
• Deposit. You can reduce the monthly payments by making an initial deposit.
• Repayment Flexibility. How flexible is the repayment schedule? Some lenders offer weekly, bi-monthly or monthly payment scheduling.
• Balloon payments. Balloon payments are significant sums to pay off, typically $5,000 or more. Do not forget to factor these into your decision and prepare to pay them off on time.

What do I need to apply for Jeep finance?

Lenders set their own eligibility criteria and have different documentation requirements for loan applications. Here are some general guidelines commonly set by finance companies:

• You’ll need to be at least 18 years of age.
• You must have a good credit score.
• Borrowers must meet minimum monthly income requirements.
• You’ll have to be eligible to work and live in Australia throughout the loan agreement.
• Most lenders require proof of ID, such as a passport or current driver’s licence.
• You will also need to provide financial information, including proof of income, previous bank statements and utility bills.

Purchasing a new or used Jeep, while exciting, is also a serious undertaking. Take your time, do your research and you’ll be driving your dream Jeep out into the bush before you know it.

Jeep finance: Loans comparison

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Name	Interest Rate (p.a.)	Comp. Rate (p.a.)	Application Fee	Monthly Fee	Monthly Repayment
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
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.
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
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.) 10.37% to 30.69%	Application Fee $0	Monthly Fee $13	Monthly Repayment $653.57	Go to siteMore Info Compare	Special Finder offer: $395 establishment fee waived for approved personal loan applications submitted through Finder. Latitude may withdraw offer at any time. T&Cs apply.

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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...
Coles Comprehensive	Optional			Optional	Agreed or Market	Summary: Coles Comprehensive Car Insurance includes the benefits you’d expect, plus features like grocery replacement (up to $200 if damaged or stolen. T&C’s apply). You’ll also collect 2 Flybuys points for every $1 you spend at Coles when you link your Flybuys (max cap, exclusions and eligible purchases apply). ⭐ Current offer: Get $50 off one Coles shop when you take out a new Coles Car Insurance policy and link your Flybuys account. Offer ends 30 November 2024. Plus, save 15% on your first year’s premium when you buy online. T&Cs apply. Who it might be good for: Those who want great quality cover and more rewards with Flybuys.	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...

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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