Home / Vehicle finance
New or used, dealer or private sale, one vehicle or a whole fleet. The right structure depends on who's buying and how the asset will be used.
Most people arrange car finance at the dealership, on the day, with a salesperson waiting. Having it approved beforehand usually means a clearer decision on the loan and a stronger position when you negotiate on the car itself.
For personal and business use, and for individuals, sole traders and companies – the right product differs for each.
Funding for the equipment that earns your income, spread over its working life rather than paid for upfront.
From a single work ute to a full fleet. The main structures are a chattel mortgage, a finance lease and a hire purchase. They're treated differently for tax and GST, so it's worth involving your accountant when choosing between them.
A temporary visa doesn't automatically rule you out. Some lenders will consider holders of visas such as the 482, 491, 485 and student visas, depending on the visa, your income and the time remaining on it. I'll assess your circumstances first and approach only the lenders likely to consider them.
Shariah-compliant vehicle finance is available for eligible customers. See how Islamic finance works.
Rent-to-own arrangements exist for people who can't access standard finance, but they usually cost significantly more overall. I'll only suggest one once mainstream options have been ruled out, and I'll show you the total cost before you commit.
I'll compare the total cost over the full term, not just the weekly repayment, and explain any balloon payment before you agree to one. A lower repayment with a large balloon at the end moves the cost; it doesn't remove it.
Usually yes. Many lenders offer pre-approval, which tells you what you can spend and lets you negotiate as a cash buyer. Pre-approvals typically expire after a set period, so it's best arranged when you're ready to start looking.
A lump sum due at the end of the loan. It lowers your regular repayments, but you'll need to pay, refinance or sell the vehicle to cover it when the term ends. It suits some businesses well; for many households it's a cost pushed into the future.
Yes, many lenders will. They'll usually want the vehicle checked on the PPSR to confirm there's no money owing on it, and some ask for an inspection or valuation.
