The full picture
How a Why Not work car plan works. All of it. Including the parts others hide.
This page is the whole deal: the four steps, how we verify that the car is genuinely for your work, the agreement in plain English, every fee we charge, and exactly what happens when your last payment goes through. Read it all before you commit to anything, with us or anyone else. You've done your homework on the tools you buy, do it on us too.
- ✓ This enquiry does not run a credit check
- ✓ Full costs shown before you sign
- ✓ Cancel the application any time, free
Simple on purpose
From "no" to new keys in four steps
Check your starting fit (60 seconds)
A few easy questions about the work your vehicle will do and your weekly budget. This first enquiry does not run a credit check and returns an indicative routing result.
We verify your work, then find your car
Real checks, done with respect: your ABN and business activity, proof the car earns for you, and bank statements to confirm the payment fits. Then we match you with a late model car that fits the job. You see the exact car and the exact total cost before you sign.
One weekly payment
Your approved agreement confirms the weekly payment, term and included services so you can plan around your work.
Your written terms are confirmed
Your approved agreement sets out the end-of-term outcome. If an ownership pathway is available, its conditions and any final payment are confirmed before signing.
The agreement, in plain English
What you're actually signing
Why Not offers business-use work car plans with guide weekly pricing. The exact product, term, inclusions and end-of-term outcome depend on assessment and are set out in the agreement before signing. If an ownership pathway is available, the agreement will explain how payments count, any conditions and any final payment. We verify a current ABN, genuine business use and affordability using relevant evidence such as invoices, client contracts and bank statements.
Your weekly payment
Your approved agreement confirms the weekly amount, term, included services and total cost before you sign. Use that written agreement—not guide website pricing—to understand exactly what is included and whether any amount can change.
What happens if you miss a payment
Talk to us. That's the whole first step. Quiet weeks happen in every trade, and one missed payment doesn't put your car at risk. Your first late payment fee is $0, and after that it's $15, not the $40 or $50 some companies charge.
If money gets tight, contact us early. We will review the circumstances with you and explain the support available under your agreement and our current hardship process. Any vehicle-protection action must follow the written agreement, applicable law and operational safeguards; our first step is human contact and review.
Km allowances, explained honestly
Your agreement includes a km allowance. Why does it exist at all? Because we insure and service the car, and one doing 60,000 km a year costs more to keep safe and reliable than one doing 15,000. Working cars do real kilometres, so we set the allowance around your actual work, not a suburban average.
Tell us up front what your week looks like, back to back client visits, a run of appointments across South East Queensland, and we'll quote a price that covers it. That's cheaper and fairer than a surprise charge later. We check the odometer at scheduled services, and if you're trending over we'll talk to you about it early rather than bill you at the end.
The part that matters most
What happens at the end
The end-of-term outcome depends on the product you are eligible for. If an ownership pathway is available, its conditions and any final payment will be set out in your written agreement before you sign.
Always check this section of any work car contract carefully. We will walk you through the approved product, the total cost and what happens at the end before you decide whether to proceed.
Ready to see where you stand?60 second check, no credit impact, answer on screen straight away.
Check my starting fitPublished, in full
Every fee we charge
This is the complete list. If a fee isn't in this table, we can't charge it. No establishment fees, no admin fees, no "documentation" fees invented at signing.
| Fee | Amount |
|---|---|
Deposit (one off)what does this mean?The only upfront money you pay. It comes off what you owe overall, and a bigger deposit lowers your weekly payment. | from $1,000 |
Weekly paymentwhat does this mean?The approved amount and any conditions are set out in the written agreement before signing. | See agreement |
Late payment feewhat does this mean?What happens if a payment is late. Your first time is always free, so one tough week doesn't cost you anything extra. | $0 first time, then $15 |
Early exitwhat does this mean?If you need out, hand the car back. You'll pay at most 4 more weeks, no matter how much of your term is left. | return the car; remaining weeks capped at 4 |
End-of-term outcomewhat does this mean?This depends on the approved product. Any ownership pathway, conditions and final payment are confirmed in the written agreement. | See agreement |
| Hidden fees | $0 |
Early exit in plain English: if the work dries up and you need out, you bring the car back and pay at most 4 more weeks, no matter how long is left on your agreement. That's it.
$0 hidden fees. Always.Get your own honest number in 60 seconds.
Check my starting fitA real worked example, down to the dollar
Here's an illustrative 2017 Kia Cerato Sport example from the work cars page over 3.5 years. Final pricing, inclusions and the end-of-term outcome depend on the approved written agreement.
And the honest comparison: the same car through a bank, with insurance, rego and servicing paid separately, would cost roughly $29,000 over the same 3.5 years, if a bank will approve you. Rent to own costs more because we take the risk the banks won't. If a bank will back you, take their deal. See the full honest comparison →
| Kia Cerato Sport, 3.5 years | Cost |
|---|---|
| Deposit (one off) | $1,000 |
| Weekly payment × 182 weeks | $195/wk |
| Insurance, rego, CTP, servicing, roadside | Included |
| Hidden fees | $0 |
Example based on guide pricing. Your quote shows your exact numbers before you sign anything.
Your work needs wheels. Why not sort it this week?
Send a 60-second enquiry. No documents are needed for this first step, the enquiry itself does not run a credit check, and you will see an indicative routing result on screen.
Check my starting fitThe initial enquiry does not run a credit check. Prefer email? Write to us at admin@whynotownit.com.au.
