Car Loans
Finance vehicles without slowing down your business.
Major Features of Our Car Loan
-
Fast Approvals
Approved in hours, not weeks.
-
Low-Doc Friendly
Finance up to $100k with minimal paperwork.
-
Flexible Repayments
Structure repayments up to 7 years — with or without a balloon
-
Balloon Payments Available
Lower repayments now, with a lump sum at the end
What is a
Car Loan?
A business car loan helps you finance or refinance vehicles—without draining your
working capital.
It’s how smart operators get the cars, vans, or utes they need to grow — while
keeping cash for other priorities.
See if this is for you:
- You need a vehicle for work — but want to keep cash free
- You’re hiring and need more transport on the road
- You’ve got a balloon coming up and need to refinance it
What You Should Know About
Car Loans
-
Application takes minutes — over the phone or online
-
Works for dealer and private sales
-
New and used vehicles are eligible
-
Vehicle must be used primarily for business
-
How Does a Car Loan Work?
David runs a delivery business that just landed a big contract.
He needed another van — fast. But didn’t want to burn cash or get bogged down
with paperwork.
We set him up with a business car loan — no deposit, fast approval.
He bought the van, got the job done, and started scaling up.
Now he’s hiring — not hesitating.
Pros and Cons of Car Loans
Pros:
- No deposit needed — keep cash for working capital
- Structured for your business — choose your terms, add a balloon, repay early
- Quick settlement — get on the road fast
Cons:
- Some lenders limit vehicle age — older vehicles may reduce loan term
- Balloon repayments require a plan — to refinance, repay, or trade in
How Much Can I Borrow?
Borrow up to 100% of the vehicle’s value — including:
• GST
• On-roads
• Insurance
• Fit-outs or extras
Amount depends on your:
• Trading history
• Credit profile
• Vehicle type
FAQs
-
What do I need to apply?
Just your ABN, ID, business info, and consent for a credit check. Most lenders don’t need full financials under $100k.
-
Can I get a car loan without owning property?
Yes — owning property can help, but it’s not required.
-
Can I get pre-approved before choosing a vehicle?
Absolutely. Pre-approval gives you a clear budget—and we can help you source vehicles too.
-
What is a balloon payment?
It’s a lump sum due at the end of the loan — great for lowering monthly repayments, but it needs to be refinanced, paid off, or rolled into a trade-in.
-
What if I can’t repay the balloon?
Most clients refinance, sell or trade the vehicle, or use working capital if available. We’ll help you plan it out upfront.
What Clients Say
-
“Sean made the process of getting finance for my car so easy. He answered every question that I had in a timely manner. I’d highly recommend Sean if you are a business owner looking for finance.”
Lemonaide
-
“Wow! I was looking for a fair and reasonable lease for a new company vehicle, and from the first call to signing the papers, the process was incredibly easy. But it didn’t stop there. The follow-up to ensure everything went smoothly when picking up the car was exceptional. I couldn’t recommend Sean and the team highly enough. Five stars!”
Twin Sparks
-
“I have used Sean on several occasions for finance on both business and motor vehicles. His service is impeccable . Would highly recommend Sean.”
Mortgage Choice
Need a vehicle to grow
but don’t want to tie up cash?
We’ll help you structure the right finance—fast, flexible, and pressure-free.
