Vehicle Loans

Rates from 4.09%

Vehicle Finance Summary

Car loans are used to purchase new or used vehicles. They can take the form of loans, leases, hire purchase and rental agreements.


  • Get funding fast
  • The vehicle acts as security of the loan
  • Options are available if you have bad credit
  • ABN holders can claim tax deductions


  • The vehicle may depreciate faster than the loan is repaid
  • Second-hand vehicles can attract higher interest rates
Prefer to talk to a loan expert?
1300 898 765
Unsure how much you can borrow?
Try our business loan calculators

Unsecured Loan Calculator

  • Borrow without risking property / assets

  • Loan terms of 3-12 months

  • Security needed for longer borrowing

  • No personal guarantees required

How much do you need?

Over how many months?

Based on your answers,

Your estimated weekly repayments are: $1,498 / week

Apply now

Prefer to talk to a business loans expert?
Call us on 1300 898 765

  • Borrow with the certainty of fixed repayments

  • Loan terms of 1 to 20 years

  • Monthly repayments

  • Secured & unsecured options available

How much do you want to borrow?

Interest Rate

Over How many years?

Based on your answers,

Monthly Repayments $9,666

Total Repayments $579,960

Interest Costs $79,960

Apply now

Prefer to talk to a business loans expert?
Call us on 1300 898 765

  • No deposit options available

  • Rates from 4.09%

  • Loans from 1 - 10 years

  • Low Doc options available for business owners

What is your vehicle/equipment cost?

Interest Rate

Over how many years?

Based on your answers,

Monthly Repayments: $1,473

Total Repayments: $88,399

Interest Costs: $8,399

Apply now

Prefer to talk to a business loans expert?
Call us on 1300 898 765

Invoice Finance Calculator

  • Loans against your outstanding invoices

  • Undisclosed options available

  • Rates from 0.5% per month

  • Same-day approvals

Outstanding Receivables

Advance Rate

Based on your answers,

Receive up front: $480,000

90 days interest costs:

Minimum $14,400

Maximum $21,600

Apply now

Prefer to talk to a business loans expert?
Call us on 1300 898 765

How do Vehicle Loans work?

Getting a loan or lease for a car can be a short, streamlined way to finance up to 100% of the value of the car you need for you or your business.

There are many option for car loans, including leases, hire purchase and loans. The best option will depend on your individual needs and situation. Here are some examples and explanations.

Vehicle Loan

A standard vehicle loan allows you to borrow up to 100% of the cost of a vehicle with fixed repayments. The vehicle is generally the only security required for the loan.

Vehicle Lease

A finance lease is a form of rental agreement because the lessor owns the asset. At the end of the lease, you have the option of purchasing the asset (for a residual amount that was agreed upfront), trading in for a new vehicle or simply terminating the lease.

There is the risk that at the end of the lease the asset will be worth less than the residual value. One advantage of a finance lease is that the finance company pays the GST component, which makes your payments lower.

Hire Purchase

With a hire purchase, the finance company owns the vehicle during the life of the agreement. When you make the final payment – including a balloon payment if relevant, i.e. the lump sum owed at the end of the loan term after you’ve made all the regular monthly repayments – you take ownership of the vehicle.

An example of Vehicle Finance

Use one of our loan calculators to find out what your repayments on a loan would be.

Who qualifies for vehicle finance

Most individuals and businesses will qualify for a car loan, including people with bad credit and startups. You can use our online prequalification tool to find out what types of loans you are eligible for.

Apply for Vehicle Finance

Find the Lowest Rates on Vehicle Financing

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