Vehicle finance that fits how you actually drive and earn
Whether it's a daily driver, a work ute, or a truck for the fleet — we'll find the right lender and structure for your situation.
Finance for every type of vehicle
From family sedans to heavy transport — we have lenders who specialise in each asset class.
Cars & SUVs
New or used, private sale or dealer — we'll find a competitive rate and structure that fits your budget.
Utes & 4WDs
Whether it's a work tool or a weekend adventure vehicle, we structure finance around how you'll use it.
Trucks & Heavy Vehicles
Rigid trucks, prime movers, and heavy vehicles financed through lenders who understand the transport industry.
Trailers & Caravans
Caravans, camper trailers, and commercial trailers — including towable assets that many lenders overlook.
Motorcycles & Bikes
Road bikes, dirt bikes, and everything in between. Finance options from $15,000 and up.
Electric Vehicles
EVs and hybrids with access to lenders offering green finance incentives and competitive rates.
How vehicle finance works
Three simple steps from enquiry to driving away.
Tell us about the vehicle
Year, make, model, whether it's a private sale or dealer purchase, and your budget. That's all we need to get started.
We match you to the right lender
From 50+ lenders, we find the one that fits your credit profile, income structure, and the specific asset you're buying.
Drive away with confidence
Competitive rate, the right structure for your situation, and no hidden surprises. Settlement handled from start to finish.
Vehicle finance types explained
Not sure which structure is right? Here's a plain-language breakdown of your options.
Chattel Mortgage
You own the asset from day one. Common for business use where GST and depreciation claims matter.
ABN holders and businesses claiming the vehicle as a tax deduction
Finance Lease
The lender owns the asset during the lease. Can suit businesses wanting to keep the asset off-balance-sheet.
Businesses that prefer to lease rather than own, or need fleet flexibility
Consumer Loan
Straightforward fixed-rate loan for personal vehicle purchases. Predictable repayments with no surprises.
Personal buyers who want a simple, fixed monthly repayment
Novated Lease
Salary packaging arrangement through your employer. Can reduce taxable income and bundle running costs.
Employees whose employer offers salary packaging benefits
Vehicle finance FAQs
Yes. We regularly arrange finance for private sale vehicles. The process is slightly different from a dealer purchase — we'll need a few extra details about the vehicle — but it's straightforward and we handle most of it for you.
We typically work with vehicles valued at $15,000 and above. For lower amounts, the fees and structure often don't work in the borrower's favour, but we're happy to point you in the right direction if that's the case.
Not always. Whether a deposit is required depends on the vehicle, your credit profile, and the lender. In many cases we can arrange 100% finance, but putting something down can help with approval and reduce your repayments.
We work with borrowers across the full credit spectrum, including those with defaults, judgments, or past bankruptcies. Our lender panel includes specialists in non-standard credit — we'll assess your situation honestly and let you know what's possible.
Other finance solutions
Explore our other services to find the right finance for every need.
Equipment Finance
Fund the machinery and equipment your business needs to grow, without draining cash reserves.
Learn moreBusiness Loans
Working capital, term loans, and lines of credit to keep your business operating and growing.
Learn moreRefinance
Restructure existing finance for a better rate, lower repayments, or simpler management.
Learn moreReady to get behind the wheel?
Tell us about the vehicle you're looking at and we'll find the right finance — usually within 24-48 hours. No obligation, no credit impact.
"Alex found me a rate almost 2% lower than my bank offered. The whole process took less than a week."
No credit impact • Response within 24 hours • No obligation • 50+ lenders compared