$0 Deposit Finance on Selected GWM PHEV, HEV, EV - 1.99% p.a. Comparison Rate, 12- to 60-Month Loan Term @ GWM

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$0 Deposit Finance on Selected GWM PHEV, HEV, EV - 1.99% p.a. Comparison Rate, 12- to 60-Month Loan Term @ GWM
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superior-username on 03/11/2025 - 00:54 gwmanz.com (1256 clicks)
Last edited 03/11/2025 - 17:51 by 2 other users

Was looking at the BYD finance offer and found this while cross shopping. IMO a better offer since it's not limited to 36-month loan term.

Edit: Customers can choose an additional $2000 off the Driveaway price⁰ OR 1.99% comparison rate finance^

Available on: Haval H6GT PHEV Ultra, Tank 500 Ultra PHEV, Cannon Alpha PHEV(Lux and Ultra) , All GWM Ora models, Haval H6 Self Charging and Plug-in Hybrid

• 1.99% p.a. comparison rate*#
• 12 to 60-month loan term
• $0 deposit
• No balloon option available
• Offer ends 31 December 2025

For a limited time, get 1.99% p.a. comparison rate# finance across the Ora range and select Haval H6, Haval H6GT, Cannon Alpha Plug-in Hybrid models and our new Tank 500 Plug-in Hybrid.*

Take advantage of our low-rate finance offers and experience the advanced performance, style, and innovation GWM is known for.

From the sporty confidence of the Haval H6 with intelligent safety and premium finishes, to the Ora’s all-electric design and futuristic technology, plus the bold capability and refined comfort of the Cannon Alpha and the coupe-inspired dynamism of the Haval H6GT, every model is built to elevate your everyday drive

*Finance to approved applicants excluding government, fleet and rental buyers until 31st December 2025. Applications for finance must be received by 31st December 2025, settled and delivered by 15 January 2026. Available at participating dealers on new and demonstrator Cannon Alpha PHEV models. Excludes HEV and Diesel models. While stocks last. Cannot be used in conjunction with the Driveaway Pricing offer. GWM Australia reserves the right to change, withdraw or extend this offer at any time.
Comparison rate is based on a secured consumer fixed rate loan of $30,000 over a term of 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Credit criteria, fees, charges, terms, conditions and exclusions apply. Finance is issued by Angle Auto Finance Pty Ltd ABN 16 161 130 696, Australian Credit Licence 530731..

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Comments

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  • tonyjzx on 03/11/2025 - 01:29
    +9

    i think the star of the show is the Hybrid AWD and the PHEV Hybrid AWD… they have 268kW and 760Nm and they do the 0-100 in under 5 secs

    if there's a cheaper way to get this performance brand new around $50k i'd like to see it

  • nightelves on 03/11/2025 - 02:09

    Can we get these financed rates for novated lease?

    • ZIngerBurgR on 03/11/2025 - 02:17

      Nope.

      • No balloon option available

      and just from experience, these deals are sold as-is because it's an arrangement between the brand and the lender.

  • ZIngerBurgR on 03/11/2025 - 02:19
    +12

    Obligatory a novated lease is better if going for the EV. Take the $2000 and chuck it on a novated lease.

    Going to copy-paste my comment from the BYD post, in preparation for the 'NL is only good for high income individuals':

    Case study:
    $55,000 driveaway brand new electric vehicle.
    Someone earning $50,000 gross per year (minimum wage).

    *Obviously ignoring the fact that someone earning $50,000/year should not be leasing a $55,000 car in the first place, but this case study is just to prove a point.

    For context, I'm going to run numbers for total cost of ownership (TCOO) over three years.

    I'm going to also assume a modest $3000/year in running cost (servicing if any, insurance, charging, tyres, miscellaneous, car washes etc. etc.), because that's how much I'm paying for one of my cars.

    Cash buyer:
    $55,000 + ($3000 x 3) = $64,000

    Taking into account opportunity cost of dropping $55,000 on a car. If we include this over three years, that's at least another $55,000 x 0.05 (conservative 5% rate) x 3 = $8250.

    So really, the total cost is in the realm of $72250.

    Lease buyer:
    Let's assume an insane 15% rate, because I've personally been quoted that once (didn't take it obviously).
    Financed amount would be $50,000 because as a lease buyer, GST is not payable.
    On a 3 year lease, residual is at least 46.88% or $23440 excluding GST or $25784 including GST (we are using the latter figure because GST is payable at the end of the lease, if you want to pay it out with cash).
    With a 15% rate, the monthly lender repayments would come down to $1214 per month, for 36 months. Including the $9000 in running costs over 3 years the total monthly repayment before tax savings would be $1214 + ($9000/36) = $1464.

    The calculation is then:
    $1464 x 0.84 x 36 = $44271.36
    this number would actually be lower because the yearly lease payments would drop gross income from $50,000 (30% bracket) to below $45,000 (16% bracket). I have only taken into account 16% rate, instead of the transition between 30% to 16%.

    plus $25784 residual including GST.
    = $70,055.36

    Even with super unfavourable novated lease conditions (low income, high interest rates), the novated lease buyer is still a smidge ahead.

    If they were slightly higher income, or were quoted a more realistic interest rate, or the opportunity cost was higher than conservative 5% rate (mortgage rates are mostly >5% right now), the numbers would be even farther apart.

      • rustyshackleford on 03/11/2025 - 02:44
        +8

        *Obviously ignoring the fact that someone earning $50,000/year should not be leasing a $55,000 car in the first place, but this case study is just to prove a point.

      • buckethat on 03/11/2025 - 10:14
        +1

        Regardless of whether or not it’s sensible for someone to buy a $55k car on a $50k salary, even though the disclaimer is literally on the next line, it’s crazy that you’d write of trying to understand the premise of the post lol, which by the way is entirely valid.

        I suppose reading and comprehension is not everybody’s cup of tea.

    • maverickjohn on 03/11/2025 - 06:05

      Costs more than 3k a year for running costs including insurance, greenslip, rego, servicing and fuel.
      Not to mention changes in other consumables like tyres brake pads etc over the 5 years.

      • willyroo on 03/11/2025 - 08:36
        +1

        If the running costs increase, then it further tips to novating. The costs are paid out of pre-tax dollars, not post-tax dollars (as would be the case for non NL purchases).

        • maverickjohn on 03/11/2025 - 11:02

          Completely get that. Was just highlighting how the expenses are higher than originally outlined. Just for rego greenslip and insurance it costs me close to that alone and not factoring in the $80-100 petrol a fortnight.
          So I thought mentioning the under estimate is worth noting.
          But you are right it's pre tax

          • ZIngerBurgR on 03/11/2025 - 11:40

            @maverickjohn: Fair point. I currently pay $1,800 for insurance, about $800 for rego, about $300/year for servicing and the rest are miscellaneous for me as we charge on solar or free electricity only.

    • Think on 03/11/2025 - 09:25

      How did you calculate $1214 monthly lender repayment?

    • mallard19 on 05/11/2025 - 23:58

      Opportunity cost for lease repayments scenario seems to be missing. You won't have $55,000 in your account for 3 years either. Not that it matters that much.

  • nightelves on 03/11/2025 - 02:33

    Can you negotiate the % rate on Novated lease? Just for reference, I’ve been quoted $39,300 for the PHEV 2WD H6 on novated lease so straight up it’s cheaper than buying outright.

  • maverickjohn on 03/11/2025 - 06:07

    How does the tank 500 fair against something like the LandCruiser Prado.. I'm not sure if I take the leap to GWM or stick to the reliable Japanese offroaders

    • eddyah on 03/11/2025 - 07:06

      Just get a toyota.

      Wife won't divorce you when you've broken down while off-roading and the nearest service centre is 4000kms away.

    • sn809 on 03/11/2025 - 08:22

      Its very capable, the original is a bit petrol hungry but the hybrids seem great.

  • mwblink86 on 03/11/2025 - 09:21

    Damn not on the tank 300 though?

  • jimbomaha on 03/11/2025 - 09:29

    Does anyone know if/what the fees on top of the loan are? When BYD did the last 1.99% rate the fees added another 2% on top

    • djkelly69 on 03/11/2025 - 10:10

      A comparison rate is supposed to take into account any additional fees payable, so that you can compare rates between companies.

    • dealhunting007 on 03/11/2025 - 12:28

      Read it in GWM group: $490 establishment fee, $1250 origination fee (they give to the dealer), $6 ppsr lodgement.

  • FXx on 03/11/2025 - 14:56

    As most of these Chinese brands offer great warranties, seems to make sense to buy second hand. The depreciation is epic, incl. competing EVs.

  • ifonlyiwasyounger on 03/11/2025 - 21:03

    I am no mathematician, but does it work out cheaper to pay cash?

    • superior-username on 03/11/2025 - 22:38
      +2

      If there's a loan you're alway gonna have to pay interest on it, but let's say you have a home loan at 5-6% p.a with offset, in which case leaving it in your offset account would work out cheaper.

      • FXx on 04/11/2025 - 13:55
        +1

        That's not taking into account the additional fees these cheap car loans come with, obviously offsets have fees too, but.. as someone mentioned above '$490 establishment fee, $1250 origination fee'…

    • ChickenAdobo on 19/11/2025 - 18:11

      Opportunity cost. That cash money could make you money instead of being sunk on a depreciating car.

  • djkelly69 on 04/11/2025 - 17:52

    Looks like there is a free wall charger with the H6 (not H6GT) PHEV models as well according to the finance page.

    No installation though:

    Excludes any installation costs that may be associated with the free charger.

  • moh14 on 06/11/2025 - 09:27

    I’m interested in purchasing the H6 PHEV 2WD, but could someone clarify whether the Hi4 transmission is available on this model, or is it exclusive to the AWD version? Also, is it worth paying the extra $3K for the AWD variant?

  • TechieARG on 14/11/2025 - 14:15

    I don’t see the base Cannon available in this deal. Has anyone been lucky enough to get the GWM Cannon with this deal?

    • superior-username on 16/11/2025 - 12:57
      +1

      Only PHEV, HEV, EV available for this deal, so no cannon as it's only in diesel.

  • Harry689 on 29/11/2025 - 18:48

    It looks like 1.99% finance offer has been withdrawn. Couple of dealerships confirmed this. Was looking to buy in December with finance offer.

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