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Commonly Asked Questions

Your finance questions answered

Got a question about Suzuki Financial Services? Find common questions and answers below about application requirements, how to lower your repayments, and more.

Question
Answer
What Identification and Documents do I need to apply?

Before applying for car finance there are several documents you need to have ready. We have a checklist you can print to make sure you have everything you need.

Download our Document Checklist

Why should I borrow from Suzuki Financial Services?

We calculate your rate based on your credit score and other personal criteria determined by us. This means you can always be sure of a rate that’s transparent and tailored to your circumstances. As Suzuki Financial Services is arranged through your Suzuki dealer at the time you purchase your vehicle, it’s simple and convenient too.

What is Suzuki Tailored Rate?

Instead of taking a one-size-fits-all approach, we use our sophisticated software to calculate an interest rate based on your credit score and many other relevant factors determined by us, such as type of vehicle loan, and much more.

This means you can be confident that you are getting a fair and transparent interest rate.

Is there a way to lower my repayments on my loan?

Many car loans give you flexibility to lower repayments. One option, if you have extra cash, is to add a deposit. You could also take out a car loan with a Guaranteed Future Value*, such as SuzukiSecure which offers lower monthly repaymentsthan a fixed rate car loan.

What term does Suzuki Financial Services offer for their finance products?

We offer loans ranging from 12 to 72 months in length, subject to Suzuki Financial Services policy and approval, with a variety of flexible payment options. We offer the flexibility of weekly, fortnightly, or monthly payments.

How can I make a complaint to Suzuki Financial Services?

Suzuki Financial Services works hard to try to ensure you always get the best service from us. If there's something about our products or services that you aren't happy with, then let's work together to see if we can resolve it quickly and easily using the following process:

Step 1. Let us know

Email us at  complaints@suzukifinancialservices.com.au  or call a Customer Solutions Representative on 138 200 between 8:30am - 7:00pm (EST) Monday to Friday.

All matters are dealt with seriously and are treated in total confidence. We will aim to resolve your complaint to your satisfaction as soon as possible.

Step 2. Escalation to our Internal Dispute Resolution team

If we are unable to resolve your complaint within five business days, then the matter will be escalated to our Internal Dispute Resolution (IDR) team.

The IDR team will:

  • Conduct a more detailed investigation into your complaint
  • Keep you informed of the resolution process
  • Answer any of your questions
  • Aim to resolve the complaint promptly, and consistently

The IDR team can be contacted at any time by:

Mail: IDR Manager
Suzuki Financial Services
PO Box 9215
Scoresby VIC 3179
Email:  complaints@suzukifinancialservices.com.au

Step 3. Seek an external review

If you aren't satisfied with the outcome of your complaint after taking Steps 1 and 2, you may lodge a dispute with the Australian Financial Complaints Authority (AFCA). AFCA is an external independent impartial body that has been set up to resolve financial services disputes. There is no charge for this service.

The Australian Financial Complaints Authority can be contacted by:
Phone: 1800 931 678
Mail: Australian Financial Complaints Authority
GPO Box 3
Melbourne VIC 3001
Email:  info@afca.org.au
Web:  afca.org.au

For more information, please refer to our  Customer Complaints Policy .

If I use my car for business, are repayments tax deductible?

Suzuki Financial Services cannot provide business or tax advice. You may need to seek independent financial or taxation advice.

What are my fees and charges for a loan?

Click  here  for Suzuki Financial Services’ upfront fees and ongoing monthly fees.

Question
Answer
What is SuzukiSecure?

SuzukiSecure is our Guaranteed Future Value (GFV)* product, offering customers security and benefits, such as lower monthly repayments^ compared to a standard car loan with no balloon, over the same term.

How do we calculate Guaranteed Future Value (GFV)*?

We calculate the GFV* based on sales results of similar vehicles, as well as economic factors. The GFV* can vary based on your loan term and agreed kilometres.

What happens if I have damaged my car?

Near to the end of your loan, we can provide a complimentary assessment of the damage to your car and advise any extra costs outside the Fair Wear & Tear Guide. You can choose to have the vehicle repaired by someone else, otherwise we can organise the repairs and deduct the costs from the GFV*. An adjusted Guaranteed Future Value is what we will offer you if you return to Suzuki.

Download Fair Wear and Tear guide

What if I drive extra kilometres?

An excess usage adjustment of $0.0635 per kilometre will apply if, at the end of the term, you have travelled more than the agreed end odometer. This will be deducted from the GFV*, which then becomes your adjusted GFV*.

Approved applicants only. T&Cs apply. This information provided by Suzuki Financial Services, a division of Australian Alliance Automotive Finance Pty Limited ABN 63 002 407 703, Australian Credit Licence 513747 is of a general nature and for information only. Nothing on this website constitutes or should be considered to constitute legal, taxation or financial advice. Before making a decision about any of the products and services featured on this website, you should consult with your own independent legal, taxation and financial advisors, who can advise you about your personal circumstances. Suzuki Financial Services is available at participating Suzuki dealerships. Click here to view our privacy policy.

*The Guaranteed Future Value (GFV) is the minimum value of your Suzuki at the end of your finance contract, as determined by Suzuki Financial Services. If you decide to return your car to Suzuki Financial Services at the end of your term, Suzuki Financial Services 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. The information provided is general in nature. You should seek your own financial advice to determine whether Suzuki Financial Services is appropriate for your individual circumstances. Terms, conditions, fees and charges apply. SuzukiSecure GFV products are available to approved customers of Suzuki Financial Services, a division of Australian Alliance Automotive Finance Pty Limited ABN 63 002 407 703, Australian Credit Licence 513747.

^Lower monthly repayments compared to a similar term with no Guaranteed Future Value (GFV) or equivalent balloon final payment. Total interest charges will be higher if a GFV or balloon final payment is selected.

Target Market Determinations are available here.

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