Finance for the vehicle that keeps you working.
Cars, utes, vans and trucks — new or used, business or personal — compared across suitable lenders and explained simply.
Who it may suit
- Tradies replacing or upgrading a work vehicle
- Business owners financing a company vehicle
- Individuals purchasing a personal car or ute
Common uses
Possible finance structures
The right structure depends on your situation.
Chattel mortgage
A common structure for business use, where the lender finances the vehicle and takes security over it while you take ownership from settlement.
Consumer car loan
Typically used for personal vehicle purchases, structured around your personal circumstances.
Finance lease
The financier retains ownership for the loan term, with the vehicle used under a lease arrangement.
Hire purchase
You hire the vehicle with an option to take ownership once all payments are made.
This is general information, not tax advice — please speak with your accountant about which structure suits your situation.
Frequently asked questions
Can you finance a used vehicle?
Yes — both new and used vehicles can typically be financed, subject to the lender's criteria for age and condition.
Will you tell me the tax treatment of my vehicle finance?
We can explain how a finance structure generally works, but we don't provide tax advice — please speak with your accountant about the tax treatment that applies to your situation.
Do you deal directly with me throughout?
Yes — Luca manages your enquiry from the first conversation through to settlement.
Can you finance cars purchased privately?
Yes — vehicles purchased both privately and through dealerships can be financed, subject to lender's criteria.
How much deposit do I need?
This varies by lender and your circumstances — some structures allow no deposit at all, while a deposit may help secure a more competitive rate. We'll talk you through what's realistic for your situation.
Will getting a quote affect my credit score?
Discussing your options with us doesn't require a credit check. A credit enquiry is only made once you decide to proceed with a specific lender.
Ready to talk about vehicle finance?
This information is general in nature and doesn't take into account your personal circumstances. Lending criteria, structure availability and approval are determined by individual lenders. Speak with your accountant regarding tax treatment.