Could your repayments be lower?
Put in what you owe and what you pay now. See what restructuring your equipment or vehicle finance could free up each month.
Back in your business each month
$0
At this term your repayment wouldn’t come down. Try a longer term, or talk to us about other options.
Estimate only, not a quote. A longer term usually means paying more interest overall. Fees, charges and lender approval apply.*
How the review works
With us or any other lender, it takes one call and costs nothing.
Tell us what you have
Your lender, what you owe and what you pay. A rough figure is fine to start.
We compare the market
We check your options across a wide panel of lenders, not just one.
You see both numbers
New monthly repayment and total cost, side by side. Then you decide.
Three ways to lower what goes out
For a lot of businesses trading is tighter right now. If your finance was set up when things were busier, it may not fit the business you’re running today.
Refinance what’s left
12 months or more into your contract? The remaining balance may be refinanced over up to 5 years. Some lenders do this at the payout figure, with no early termination costs.*
Roll several loans into one
Combine multiple facilities into a single loan with one repayment, often a lower total each month.
Add equipment and ease in
Pay out the old loan and bundle in the new asset. Selected lenders offer 50% repayments for the first 3 months while it gets working.*
What it looked like for BlueBird Lines
Karan restructured the finance on 3 assets.**
- Repayments before
- $12,900
- Repayments after
- $8,500
- Back in the business
- $4,400
All figures per month.
You’re likely a good fit if
Close but not every box ticked? Send it through anyway. Each lender assesses differently.
- You’re at least 12 months into an equipment, vehicle or asset finance contract
- Your repayments are up to date, with no significant arrears
- Your finance is with a major bank or established asset financier
- You don’t have short-term unsecured cash flow loans
Get your free refinance review
Leave your details and a specialist will call you to do the comparing.
- We call you within one business day to go over what you have.
- Have your contracts handy if you can. Your lender and a rough balance is enough to start.
- No obligation. If it doesn’t stack up, we’ll tell you.
Review requested
We’ll call you within one business day. If you can, have your current finance contracts handy.
Common questions
Will I pay more overall?
Often, yes. A longer term lowers the monthly repayment but usually adds interest over the life of the loan. We show you the monthly saving and the total cost side by side, so you can judge whether the breathing room is worth it.
Does my finance have to be with Quest?
No. We review equipment, vehicle and asset finance with any major bank or established asset financier.
Are there costs to refinance?
There can be: payout fees, early termination costs and new establishment fees vary by lender. Some lenders refinance at the payout figure with no early termination costs. We include all of it in the numbers we show you.
What do I need to get started?
Your current lender, roughly what you owe and what you pay each month. Copies of your contracts help, but they’re not needed for the first call.