Suzuki SmartPlan® gives you flexibility and options when buying your new or demonstrator Suzuki that best suits your aspirations and lifestyle, by tailoring a finance package that best suits you.

Suzuki SmartPlan® has been developed by Suzuki Finance to give you flexibility at the end of your finance contract. When that happens, you can choose to retain, return or trade in your Suzuki based on your lifestyle needs. It’s a smart and flexible way to purchase the Suzuki that’s perfect for you, even as your lifestyle changes.

It’s smart to keep your options open

Everyone’s lifestyle and situation is different. That’s why we give you three different options to choose from when your contract comes to an end: pay off the balance of your finance contract and keep your Suzuki, trade it in or return it to us and use the Guaranteed Future Value.

Retain:
Keep your Suzuki by paying any amount owing on your finance contract or apply through Suzuki Finance to refinance the amount owing.2

Return:
Return your Suzuki to us knowing that the Guaranteed Future Value will be sufficient to repay the amount owing under your finance contract.3

Trade in:
Trade in your Suzuki at your preferred Suzuki dealer giving you the chance to step into the latest Suzuki model and continue your journey with us.

How it works

  • 1. Choose your Suzuki
    1. Choose your Suzuki

    Arrive at the dealership with your 100 points of ID and choose the Suzuki model you want.4

  • 2. Learn your vehicle’s value
    2. Learn your vehicle’s value

    Your dealer will let you know what your regular repayments will be and what the Guaranteed Future Value will be.5

  • 3. Decide what happens next
    3. Decide what happens next

    When you get to the end of your loan term, choose whether to keep, return or trade in your Suzuki.

  • 4. Tailor your contract
    4. Tailor your contract

    Select your desired contract term (36 or 48 months) and your estimated annual kilometre allowance (10,000km, 15,000km, 20,000m or 25,000km).

  • 5. Pay a deposit (if you want)
    5. Pay a deposit (if you want)

    Lower your monthly repayments by making an optional deposit.

Got a question?

Explore our answers to some common queries below – or download our SmartPlan® brochure or Fair Wear & Tear Guidelines.

Common Questions

Question
Answer
Question

What is the Guaranteed Future Value?

Answer

Guaranteed Future Value (GFV) is the minimum future value of your vehicle at the end of the loan term and is determined by Suzuki finance before the start of your loan. If you choose to return your vehicle or trade it in at the end of the term, you can use the GFV to satisfy the balloon amount on your finance contract.

Question

How is GFV set up in my financed contract?

Answer

Once you have chosen your vehicle, you can select either a 36 or 48 loan term and choose how many kilometres you plan to travel within a year. We will then tell you what your GFV is. The GFV will be equal to the balloon amount.

Question

What are my options when my loan term ends?

Answer

At the end of the loan term, you can choose to return your vehicle to us for the GFV (subject to the GFV terms) or trade it in for another vehicle. If you wish to keep your vehicle and not use the GFV, you can pay out the loan or refinance your loan (subject to credit assessment). It’s your choice and allows flexibility to suit your situation.

Question

What happens if I want to use the GFV at the end of the loan term?

Answer

You must tell us or the dealer of your intention to use the GFV and an inspection of your vehicle will be organised. You will be advised upon completion of the inspection whether the vehicle meets Fair Wear and Tear guidelines, is within contracted kilometres and whether other contractual obligations have been met. If all conditions are met, you return the vehicle to us and the GFV will be used to satisfy the balloon amount under your loan contract.

Question

What happens if the vehicle doesn’t meet Fair Wear and Tear (FWT) standards?

Answer

If you choose to return your vehicle to us or trade it in at the end of the term and your vehicle does not meet FWT standards, you will be given the opportunity to repair the vehicle at your own cost. Should the vehicle not be repaired to standard, the value of your GFV may be reduced.

Question

What happens if I drive over the contracted kilometres?

Answer

There is an excess kilometre charge of 10c per kilometre over the contracted kilometres. It is therefore important that you select the most suitable kilometre option before the start of your loan.

Question

Can I change my kilometre options?

Answer

The kilometre option cannot be amended once the loan has started (settled).

Question

Can I use the GFV before the end of the term?

Answer

If you decide to pay out the loan early (before the end of the term), you cannot use the GFV.

Question

Do I pay more for GFV?

Answer

Interest charges are higher for Suzuki SmartPlan® than for a similar loan and term without a GFV balloon payment. We recommend that you seek independent financial advice to determine if this option is suitable for you.

Question

Do I own the vehicle?

Answer

Yes. The GFV is an option on a loan not a lease.  If you decide to return the vehicle at the end of the term, you will essentially be selling the vehicle back to us or our representative.

Get Started

Ready to set yourself up for the future with Suzuki SmartPlan®? Get in touch with us below or contact your local Dealer today.

1. The Guaranteed Future Value is not a representation by Suzuki Finance as to the likely market value of your vehicle as at the end of your finance contract. If the Guaranteed Future Value applies and the vehicle is not returned in an acceptable condition, as defined in the terms and conditions or exceeds kilometre restrictions, the Guaranteed Future Value will be reduced and you’ll be required to pay the difference. Subject to the Guaranteed Future Value Terms and Conditions (available upon request).

2. The feature is available on all new and demonstrator Suzuki vehicles on selected models only. Please verify with your dealership which vehicles are eligible for the programme.

3. The Guaranteed Future Value is not a representation by Suzuki finance as to the likely market value of your vehicle as at the end of your finance contract. If the Guaranteed Future Value applies and the vehicle is not returned in an acceptable condition, as defined in the terms and conditions or exceeds kilometre restrictions, the Guaranteed Future Value will be reduced and you’ll be required to pay the difference.

4. The feature is available on all new and demonstrator Suzuki vehicles on selected models only. Please verify with your dealership which vehicles are eligible for the programme.

5. Your total interest charged may be higher if you choose the Guaranteed Future Value feature for your loan, compared to a loan without the feature.

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