Car and vehicle finance for business and private buyers
New, used, dealer or private sale. We arrange the right structure for how you'll actually use the car — for the business or for the family — and get you pre-approved before you shop.
Whether the car is a business vehicle or the family runabout, we arrange the finance and match you to a lender that suits the deal. For business use it's usually a chattel mortgage; for private use it's a consumer secured car loan. The structure matters, so we get it right from the start — new, used, dealer or private sale, with trade-ins handled.
Who it's for
Business owners, sole traders and tradies financing a work or business vehicle, plus private buyers financing a personal or family car.
Business vehicle? A chattel mortgage
If the car is mainly for business, it's generally financed on a chattel mortgage — you own the vehicle from day one and the loan is secured against it. Business use can also open up GST and depreciation benefits, but how that applies to you is a tax question — confirm with your accountant.
Private or family car? A consumer car loan
If the car is for personal or family use, it's a consumer secured car loan — regulated consumer credit, assessed on your income and serviceability rather than business turnover. It carries a comparison rate and there's no GST or depreciation to claim, because it isn't a business asset.
Business vs personal — getting it right
The two are assessed and structured differently, so it pays to be clear about how the car will actually be used before you apply. We'll talk it through, point you to the right product, and tell you what each lender will need. Where business use is part of the picture, your accountant is the right person to confirm the tax side.
New, used, dealer or private sale
We finance new and used vehicles, whether you're buying from a dealer or in a private sale. Private-sale and used cars need a PPSR title check (and sometimes an inspection), which we handle, and trade-ins can be factored into the deal.
Get pre-approved before you shop
A pre-approval tells you what you can spend and puts you in a stronger position at the dealer or with a private seller. We work with a panel of lenders for business deals and a panel of lenders for consumer loans, so we can match you before you commit to a car.
What repayments might look like
Business example: a $45,000 business vehicle on a chattel mortgage at an indicative 7.5% p.a. over 5 years with no balloon works out around $900 a month. Personal example: a $45,000 consumer car loan over 5 years at an indicative consumer rate lands in the low-$900s a month. Both figures are estimates only, exclude fees and charges, are not a quote, and are subject to the lender's assessment.
Talk to a specialist
Get a competitive rate and the right structure for your next asset. No obligation, no credit-file hit to ask.
- Panel of commercial lenders
- Low-doc options for established ABNs
- Pre-approval before you buy
Work it out backwards.
Start with a repayment that keeps cash in your business and see what it finances — then we’ll line up a competitive rate to match.
A balloon lowers your monthly repayment and keeps cash in the business. ~30% is common; new vehicles can go to 40%.
Real rates today typically sit in the 6–9% range depending on the asset, its age, your ABN and security. A guide, not a quote.
Estimate only, excluding fees and charges. Not a quote, offer, or credit assistance. Actual repayments depend on the lender’s assessment.
Common questions
Business car finance is usually a chattel mortgage — you own the car and it's secured against the loan, with possible GST and depreciation benefits to discuss with your accountant. Personal car finance is a consumer secured car loan, regulated consumer credit assessed on your income, with a comparison rate and no tax claims. We'll point you to the right one.
Explore more finance
Ready to move on your next asset?
Get pre-approved and negotiate as a cash-equivalent buyer — we'll handle the rate, the structure and the paperwork.