Personal vs business structure
Consumer loan, chattel mortgage, hire purchase, novated lease - the right structure depends on whether the asset is personal or business and your tax situation.
← Loan Types
Vehicles and equipment, financed without the dealer markup.
Dealer finance is convenient, but it is not always the cheapest. It is worth comparing before you sign. We have direct access to asset finance lenders that price competitively, with terms that may suit your tax position. Confirm tax treatment with your accountant.
Who this is built for.
- Buying a personal car, ute or motorbike
- Tradies and business owners financing work vehicles or equipment
- Self-employed needing chattel mortgage or hire purchase
- Novated lease alternatives
- Caravans, boats, trailers and recreational assets
- Replacing existing dealer finance with a sharper rate
What we do
How we approach this work.
Specialist asset finance lenders
We use a panel that prices well on near-new and used vehicles, not just brand-new. Rates may be lower than dealer offers, depending on the asset, borrower profile, loan structure and lender.
Quick turnaround
Most asset finance approvals come back in 24–48 hours, with funds direct to the dealer or seller. No interrupting the purchase.
Balloon and term structuring
We model balloon payments and loan terms to land the monthly cost where you want it, without overpaying on interest.
FAQs
Common questions.
Is dealer finance ever the best option?+
Occasionally - manufacturer-subsidised 0% deals on specific models can be hard to beat. We'll tell you honestly when that's the case.
Can I finance a used car?+
Yes. Most lenders will finance vehicles up to around 7–12 years old at settlement, sometimes older through specialist lenders.
Are car loans tax-deductible?+
If the vehicle is used for business, the interest and depreciation are typically deductible. Chattel mortgage is the most common structure for self-employed business use - confirm with your accountant.
Next step
Let's chat about your next move.
No pressure, no jargon. We'll listen first, then map out the smartest way forward.