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For private buyers

Personal Finance

Personal Finance

The choice is yours. Whether you’re looking for a Consumer Loan to help you purchase your new Volvo outright, or a Novated Lease through your salary package, or to secure the future value of your car through Volvo Car Future Value^.

personal consumer loan

Consumer Loan

With tailored financing solutions available, a Consumer Loan could be the perfect solution to experience the premium feel of a brand-new Volvo. Enjoy 100% finance for approved customers, fix your interest rate, choose the term of your loan, and customise your repayment.

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personal novated lease

Novated Lease

Make the most of your salary. A Novated Lease allows you to make the most of your salary package so you can own your new Volvo sooner. A solution for employees and employers alike, while taking advantage of potential tax benefits.

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personal guaranteed future value

Guaranteed Future Value

If you’re in the market for a new Volvo, you may be able to take advantage of our Volvo Guaranteed Future Value^ Program. Available with both consumer and business loan products, we take out the guesswork and future proof your investment.

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Target Market Determinations

Please read the Target Market Determinations (TMD) document for our Financial Services products. This document ‘Target Market Determination’ describes who a product is appropriate for (target market), and any conditions around how the product can be distributed to customers.

Consumer Loan TMD
For more information visit the Target Market Determinations page

^Volvo Car Future Value has a Guaranteed Future Value (GFV) which is the minimum value of your vehicle at the end of your finance contract as determined by Volvo Car Financial Services (VCFS) ABN 20 097 071 460, Australian Credit licence 389 344. If you decide to return your car to VCFS at the end of your term, VCFS will pay you the agreed GFV, which will be put against your final payment subject to fair wear and tear conditions and agreed kilometres being met. At the end of your term, you can elect to (1) trade-in; (2) return; or (3) retain the vehicle by paying the GFV owed to VCFS at the end of the loan term after all repayments have been made. You will be liable for any loan contract deficit and additional charges apply if you exceed the nominated kilometre allowance and/or the vehicle is not in an acceptable condition. Fleet government, rental buyers, hire car and chauffeur companies excluded.



Volvo Car Financial Services Pty Limited ABN 20 097 071 460, Australian Credit Licence 389344. View the Target Market Determination for our Financial Services products here.

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4 Neild Avenue,
Darlinghurst NSW 2010

02 8999 8590
  • Monday - Friday: 8:30 AM - 5:30 PM
  • Saturday: 9:00 AM - 5:00 PM
  • Sunday: 10:00 AM - 5:00 PM

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