Guaranteed Future Value

More choice at every turn.

Know the Guaranteed Future Value of your GWM from the start of your loan, enjoy lower regular repayments^, and choose what happens at the end of your term.†

From the start - know where you’ll stand at the end of your loan. 

Guaranteed Future Value (GFV) locks in the future value of your GWM upfront —just as your loan starts.† 

Because your regular repayments are calculated on the amount financed less the GFV amount, they’re lower than the repayments on a comparable standard loan with the same term, amount financed and no balloon.^  

And when your term ends, you choose what happens next: trade-in for a newer model, keep your GWM, or return it.†

The GFV is not a representation of the likely market value of your vehicle at the end of your finance contract. It is subject to agreed kilometres, fair wear and tear conditions and the GFV terms and conditions being met. 

More reasons to choose GFV 

More Certainty

You’ll know the Guaranteed Future Value of your GWM from the start of your loan — so you can plan for end of term with confidence.†

More room for what matters

Lower regular repayments^ than a comparable standard loan with no balloon — leaving more room in your budget for the things that matter, whether that’s accessories, a higher-spec model, or simply everyday life.

More Choice

At the end of your loan term, you decide what happens to your GWM vehicle: trade-in for an upgrade, keep it or return it†.

Everyone’s situation is different. That’s why you have three options when your GFV loan comes to an end.† 

Trade in 

Trade-in and upgrade your GWM at a participating dealer and continue your Guaranteed Future Value finance journey. You’ll need to pay out the outstanding loan balance — and if your trade-in value is higher than the residual amount owing, you can put the difference towards your next GWM. 

Keep 

Love your GWM? Keep it by simply paying out the outstanding balance owing on your GFV finance contract. 

Return 

Return your GWM to a participating dealership, knowing the predetermined GFV amount will cover the balloon payment — provided you've met all other obligations under the loan, the vehicle meets the Fair Wear & Tear terms, and the selected kilometre allowance has not been exceeded. 

How it works

Find your GWM

Choose an eligible new or demonstrator GWM vehicle at a participating dealership.

Talk to your Dealer

Get in touch with a participating GWM dealer accredited by Angle Auto Finance. They'll walk you through your options.

Shape your Loan

Choose whether to pay a deposit, select your loan term, and work out the distance in kilometres you expect to travel each year.

See your Numbers

Find out what the regular repayments and your GWM's Guaranteed Future Value will be - before you commit.†

Pick a kilometre allowance that matches your drive 

Under a GFV contract you decide the term of your loan, with a range of options available depending on the GWM you choose and how many kilometres you expect to drive each year. 

The number of kilometres you travel affects your vehicle’s Guaranteed Future Value at the end of the term, so it’s important to pick an annual limit that matches how you actually drive. Any kilometres driven above your agreed allowance will incur an excess kilometre charge (an amount per extra kilometre), which is deducted from the GFV amount at the end of your loan term.** 

Not sure? Your participating GWM dealer can talk you through the allowance options available for your model. 

Guaranteed Future Value vs a Standard Loan

Feature 

Guaranteed Future Value 

Standard vehicle loan 

Fixed interest rate 

Yes 

Yes 

Flexible loan terms 

Yes 

Yes 

Minimum future value set upfront 

Yes† 

No 

Lower regular repayments^ 

Yes^ 

— 

Annual kilometre allowance applies 

Yes** 

N/A

Fair wear and tear conditions apply 

Yes 

N/A

Flexible end-of-loan options (trade in, keep or return) 

Yes† 

Trade in or keep only

Questions?

We've got answers.

Important Information 

For additional information about this product, please download and read these documents. If you have further questions, speak to a participating GWM dealer.

Guaranteed Future Value Product Guide

Guaranteed Future Value Fair Wear & Tear Guide  

Want to enquire about Guaranteed Future Value for your GWM?

We get it…That’s why our friendly and knowledgeable GWM finance team is here to help.

† Approved applicants only. Eligibility criteria, terms, conditions, fees and charges apply. Fleet, government, rental buyers, hire car and chauffeur companies are excluded. Available only at participating dealers on eligible new and demonstrator vehicles. Finance is issued by Angle Auto Finance Pty Ltd (ABN 16 161 130 696) Australian Credit Licence 530731.

The Guaranteed Future Value (GFV) is the minimum future value of your vehicle at the end of the loan term subject to fair wear and tear conditions and agreed kilometres being met, and is determined by Angle Auto Finance before the start of your loan. It is not a representation by Angle Auto Finance as to the likely market value of your vehicle at the end of your finance contract. Provided you comply with the GFV terms and conditions, the GFV amount you receive at the end of the loan term will satisfy the balloon amount on your finance contract, even if the value of the vehicle is less than the balloon amount. Adjustments to the GFV amount may apply. If you wish to trade in or keep your vehicle, you must pay out the outstanding amount owing on your finance contract. Please consider whether a GFV product is appropriate for your circumstances and seek independent taxation advice.

^Compared to the monthly repayments for a standard loan with the same loan term, same amount financed and no balloon. Your total interest charged may be higher if you choose the GFV product in connection with your loan, compared to a loan without the GFV product.

**Excess kilometre charges will apply if the contracted kilometre allowance is exceeded. Refer to the GFV Product Information Guide for more information.