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The Car Sale Installment Agreement is essential for automotive dealers, finance companies, and private sellers in Australia who wish to sell vehicles under a financing arrangement. This document is specifically designed to comply with Australian federal and state legislation, including the National Consumer Credit Protection Act 2009 and state-based motor vehicle trading laws. It should be used whenever a vehicle is sold with payment structured in installments, combining both the sale agreement and credit terms. The agreement includes crucial elements such as vehicle details, payment schedule, interest rates, security interests, insurance requirements, and statutory warranties. It also incorporates mandatory consumer credit disclosures and protections required under Australian law. This comprehensive document ensures that both the seller's and buyer's interests are protected while maintaining compliance with relevant regulatory requirements.

1. Parties: Identification of the seller/credit provider and the purchaser/borrower with full legal names and addresses

2. Background: Context of the agreement, including the seller's ownership of the vehicle and the buyer's desire to purchase it through installment payments

3. Definitions: Key terms used throughout the agreement, including Vehicle, Purchase Price, Installment Payments, Interest Rate, and other relevant terms

4. Sale and Purchase: Core terms of the sale including the vehicle details, purchase price, and transfer of ownership conditions

5. Payment Terms: Details of the installment payment structure, including payment amounts, frequency, interest rate, and total amount payable

6. Security Interest: Creation of security interest in the vehicle under the PPSA and related terms

7. Vehicle Condition and Warranties: Statements about the vehicle's condition and applicable statutory warranties

8. Insurance Requirements: Mandatory insurance requirements during the finance period

9. Default and Enforcement: Consequences of default and enforcement rights

10. Title and Risk: Terms regarding transfer of title and risk in the vehicle

11. General Provisions: Standard contract clauses including notices, amendments, governing law, and dispute resolution