Vehicle Finance
Cars, utes, vans and trucks — for work or for you.
Whether the vehicle is for personal use or for your business, we'll help you understand the finance options and what the repayments could look like.
Overview
Personal or business use?
How a vehicle will be used matters. Finance for a car you'll mainly use personally is assessed differently to a vehicle used mainly for your business, and different rules and disclosures can apply.
Having an ABN doesn't automatically make it business finance. We'll ask how you'll use the vehicle so we can point you to the right kind of loan.
Scenarios
Common situations
Your next car
New or used, from a dealer or a private seller.
Work utes and vans
For tradies, contractors and small businesses.
Trucks and trailers
Light commercial through to heavy vehicles.
Fleet additions
Adding or replacing several vehicles for a business.
Options
What we can discuss
Depending on your situation, we can talk through:
- Personal car loans
- Business vehicle finance, with or without a balloon
- Dealer and private-sale purchases
- Refinancing an existing vehicle loan
What lenders usually ask for
To get started we'll typically need an overview of:
- The vehicle — make, model, year and price, or the dealer quote
- Your income and employment, or your business details if it's for business use
- Your current debts and regular expenses
- Identification such as a driver licence
Every lender sets its own requirements, so we'll confirm exactly what's needed for your situation. Please don't send documents through the website enquiry form.
How it works
Three simple steps
- 01
Apply online in minutes
A few simple questions. No paperwork yet.
- 02
A specialist calls you
We compare lenders and explain your options.
- 03
Get funded
Choose your option. Once the lender approves, funds are settled.
Repayment estimator
Get a rough idea of repayments
Adjust the numbers to see an estimate. No details needed, nothing is saved.
Estimated monthly repayment
$1,050.09
- Amount financed
- $50,000.00
- Regular repayments total
- $63,005.58
- Balloon at end
- $0.00
- Total repayments
- $63,005.58
- Estimated interest
- $13,005.58
Estimates only. This is not a quote, an offer of finance or an approval. Fees and lender-specific terms are not included. Actual repayments may differ. Eligibility and approval are subject to assessment.
FAQ
Questions about this
Something else? Ask us.
Can you help if I'm buying from a private seller?
Often, yes — many lenders allow private sales with some extra checks on the vehicle. Let us know the details and we'll explain what's involved.
I have an ABN. Is my car loan business finance?
Not necessarily. It depends mainly on how the vehicle will be used. We'll ask about that before recommending any loan type.
Should I get finance before I find the car?
It can help to know what you can comfortably afford before you shop. Use the repayment estimator, then talk to us about your budget.
Ready? It takes about 3 minutes.
Apply online — no credit check to start. A Bizzy specialist will call you back.