About Shine Car Wash

With over 10 years of experience in the car wash industry, Shine Hand Car Wash Cafe was established as a franchise operation in January 2004 with the objective of introducing environmentally friendly car washes at accessible and convenient locations.

We answer the challenge of Melbourne’s low water storage levels by installing water recycling systems at all our premises. We also strive to contribute in the protection of our environment by using only bio-degradable materials in our washing processes. We pride ourselves in the quality of our services. We want to make sure that your experience is always a satisfactory one at Shine Hand Car Wash Cafe. Please feel free to give us your feedback at any time.

24 Hr Rain Guarantee

Sometime’s the weather reports get it wrong. If it rains within 24 hours of your wash, you will receive a basic exterior wash or coffee for FREE.

 

Water Recycling

It is important to conserve our water. With our water recycling equipments, you can help save water by having your car washed at our premise.

 

Protecting the Environment

We believe that everyone has a responsibility to protect the environment. For that reason, we use only bio-degradable materials in our washing process.

 

Catch up on your email while you wait

While you’re relaxing with a coffee in our fabulous cafe, make use of our wireless connection to catch up on your email, read the latest news or just browse your facebook page.

What Exactly Is a Novated Lease?

What Exactly Is a Novated Lease?

If you haven’t purchased a vehicle in a while, it’s likely you’re wondering what a novated lease is. This is a special type of financing that is an agreement between your employer, the finance company, and you. This is commonly called car salary packaging or salary sacrifice.

Novated leases are setup so that your employer pays the car finance company your vehicle payment each month. The money your employer uses to pay the finance company comes out of your pre-tax salary rate. This means that you actually end up paying less money in taxes because your taxes are figured after the car payment is made to the finance company. Many employers are starting to offer Novated Lease at Stratton Finance as part of their benefits package.

In addition to being able to have more disposable income, you are able to have more options when it comes to picking out your ideal vehicle. With novated leases, companies don’t have to worry about setting up deals with certain vehicle manufacturers. This allows employees to decide on the car options that best fit their lifestyle and budget.

What Happens If I Change Employers?

Many individuals thinking of getting a novated lease are unsure of what happens if they were to leave their current company. Most believe that they must stick with the same employer until their lease is up. This is simply not true. Your current employer can transfer the lease to your new employer or to your own account.

How Long Do Novated Leases Last For? 

The average novated lease lasts between one and five years. This can change depending on the dealership, employer, you, or other similar factors. Keep in mind that this type of vehicle financing is just like leasing the vehicle yourself. You can pick the terms you wish to use to get your vehicle financed.

Can I Lease A Used Vehicle? 

In most cases, you can use a novated lease for a used vehicle. Employers may specify certain age requirements for the vehicle you intend to lease. For example, the vehicle may not be more than three years old at the time the lease agreement starts.

How Does Car Insurance Work With This Type Of Lease? 

Car insurance works the same for this type of lease compared to regular vehicle financing. You will need to contact your car insurance provider or find a new one to insure the vehicle you are leasing. Your employer may be able to offer you insurance deals with specific companies they work with. Who you decide to go with for your insurance provider is completely up to you.

What Are My Options When The Lease Expires? 

At the end of the leasing period, you have a couple of options. These are:

  • Purchase The Vehicle By Paying Off The Residual Value
  • Extend The Lease And Refinance For the Car’s Current Value
  • Trade The Vehicle In And Start A New Lease With Another Vehicle

Things About Car Finance

Things You Should Know About Car Finance

When it comes time to get a new vehicle, it’s likely you will need to finance it through a loan. Due to the high purchase price, very few individuals are able to pay for their vehicle in cash. This opens up a whole new financial realm that you should be proficient in learning in order to receive the best loan rates available. Let’s take a look at the must-know things about car finance below.

There Are Two Types Of Car Finance Options Available

When you look into your car finance options, you can do so through one of two different outlets. These are direct lending and dealership financing. Let’s see what each one of these is all about.

Direct Lending – This type of lending is when you apply for an auto loan from a bank, credit union, or finance company. You go to the lender first and get approved for the loan. When you go to the dealership to pick out your vehicle, you pay them with the cash you received from the bank or another lender.

When you opt for direct lending you are able to shop around and compare rates at different financial institutions. In addition, this will allow you to know what your rate is and how much you are able to afford to payback before you get to the dealership. It’s very easy to get caught up in the car buying process and opt for a dealer loan that is more than you originally intended to buy.

Dealership Financing – When you go to a car dealership, you can opt for financing at their location. The dealership acts as an agent between you and the lending facility. In some cases, dealerships may retain the contract between you and them instead of giving it to another lender.

This type of car finance allows for more convenience on the part of the borrower. Dealerships tend to offer special financing and rebate options when you take out a loan with them compared to an outside lending facility and car finance www.strattonfinance.com.au/car-finance/options/car-loan.aspx

Assess Rebates Vs. Zero Percent APR 

Many dealerships offer special discounts to those who purchase a vehicle from their facility. These typically come in the form of buying rebates and zero percent annual percentage rates on loans with them for an initial period. Most individuals quickly accept the zero percent interest for a term of usually a year or two, thinking that it’s the most financially sound option.

In reality, this is not always the case. If you are receiving a low-interest rate on your car finance loan with the dealership, you may actually save more money on your overall vehicle purchase by going the rebate route. You should work out what the interest payments would be for the zero percent APR period and then compare that total to that of the rebate to ensure you get the best value possible.

As you can tell, when it comes to car finance there are many things you need to know. You should take some time to read over car finance articles online to ensure you are ready to get the best deal possible when it comes to purchasing your next car.