Car Finance.
Buying from a dealer or a private seller, or refinancing a car loan you’re paying too much on.
- New cars
- Used cars
- Private sale
- Business vehicles
Personal & business finance
Finance options for what you drive, tow and run.
Cars, bikes, caravans, boats and solar for you; trucks, equipment and funding for your business. One broker team compares 30+ lenders on every one of them.
Get My Options
or call 1300 265 743
No broker fee
A named broker, start to finish
Australia-wide
Personal finance
For you and your household.
Loans in your own name for the car, the bike, the van, the boat and the solar on the roof. Each one lends a little differently, so we compare the panel every time.
Bike Finance.
A first LAMS commuter through to a fully loaded adventure tourer, from a dealer or another rider.
- Road & sport
- Cruisers
- Adventure & touring
- LAMS-approved
Caravan Finance.
Structured around how long you’ll really own the van. Retirees and self-funded buyers welcome.
- Touring caravans
- Off-road & hybrid
- Pop-tops & campers
- Motorhomes & RVs
Boat Finance.
New and used vessels, through the short list of lenders who genuinely want marine business.
- Runabouts & bowriders
- Cabin cruisers
- Yachts & sailing
- Jet skis & PWC
Solar Finance.
Panels, batteries and chargers for the home, and systems for business premises too.
- Rooftop solar
- Battery storage
- EV chargers
- Commercial rooftop
Business finance
For the business and what it runs on.
Trucks, machinery and funding for the business itself, arranged through your ABN and structured around how the business gets paid.
Truck Finance.
First-time owner-drivers through to fleets adding their second and third truck.
- Prime movers
- Rigid trucks
- Trailers
- Vans & light commercial
Equipment Finance.
ABN holders buying machinery and gear, with low-doc options for established businesses.
- Earthmoving
- Materials handling
- Medical & dental
- IT & office
Business Loans.
Secured or unsecured funding, assessed on how the business trades and not just on security.
- Working capital
- Stock & inventory
- Fit-out & expansion
- Buying a business
Buying a car or ute for the business? That’s car finance: business vehicles through an ABN, usually as a chattel mortgage.
Loan structures
How the main loan types differ.
Four structures come up most often. Which one suits depends on who’s borrowing, what the asset is for, and whether you want to own it at the end.
| Structure | How it works | Who owns the asset | Common for |
|---|---|---|---|
| Consumer loanIn your own name | You borrow personally, usually secured against the car, bike, van or boat you’re buying. | You do. The lender holds security over it until the loan is paid off. | Car Bike Caravan Boat Home solar |
| Chattel mortgageThrough an ABN | The business buys the asset and the lender registers a mortgage over it as security, released once the loan is paid out. | The business, from day one. | Truck Equipment Business vehicles Commercial solar |
| Finance leaseThrough an ABN | The lessor owns the asset and the business pays to use it. At the end: pay out a residual and keep it, hand it back, or re-lease something newer. | The lessor, unless you pay out the residual at the end. | Equipment Gear you’d rather upgrade than keep |
| Business loanThrough an ABN | Funding for the business itself rather than one asset: working capital, stock, a fit-out. Secured or unsecured. | The business owns what it buys. Unsecured loans usually need a director’s guarantee. | Business loans |
The three business structures sit differently on the books and are treated differently at tax time, so GST and depreciation are one to run past your accountant. We’ll explain what each one does; your accountant should make that call.
Not sure where to start?
Tell us what you’re buying. We’ll find the fit.
About two minutes, with no credit check at this stage. You’ll hear back from a real broker, not an auto-responder.
Get My Options
or call 1300 265 743