GET A LOAN

Get A Business Car Loan That Works The Way You Work

If your ute, van or wagon is how you earn a crust, we help you find business car loans and business car finance that fit real tradie and self employed income.

$10,000
$5,000 $100,000

Apply online in minutes.
Fast, no hidden fees.
No impact on your credit score.

Business car loans for tradies, sole traders and small business owners who need a real work vehicle

The ute, van or wagon is how you earn a living, and the finance application shouldn’t treat it like a domestic car loan. Our brokers compare business car loans across our panel and arrange the right structure for your purchase, with most deals written as chattel mortgages so your business owns the asset from day one, claims the GST back on the next BAS, and gets depreciation and interest deductions over the loan term. Talk to your accountant about whether chattel mortgage, lease or Commercial Hire Purchase suits your tax position, and we’ll arrange the finance from there. 

We work with lenders who understand how sole traders, tradies and small business owners actually earn. Low doc options are available where lenders assess on ABN history and bank statements rather than two years of audited financials. Borrow from $5,000 for a used work car right up to $100,000 for a fully kitted-out ute with canopy and roof rack. Our service is free for you, we’re paid by the lender. If you need a heavy commercial vehicle, see truck finance instead, and for general business funding outside of a vehicle, see unsecured business loans.

Built for ABN holders and sole traders

Tradies, contractors, professionals, freelancers, small business owners. If you've got an ABN and the vehicle earns the business money, lenders will consider it.

Chattel mortgage, lease or CHP

Pick the structure that suits your tax position. Most go chattel mortgage because the business owns the vehicle and claims GST and depreciation deductions.

Utes, vans, wagons and light commercial

Work utes, vans, wagons, dual-cab utes, SUVs used primarily for business. New or used, dealer or private sale, all considered.

Low doc options available

Some lenders on our panel can assess on ABN history and bank statements rather than full financials, useful when last year's tax return isn't finalised yet.

Borrow $5,000 to $100,000

Loan amount depends on the vehicle, your trading position and the deposit. Terms typically run two to five years to match the working life of the vehicle.

No fees from us

Free for you to apply through our broker panel. We're paid by the lender, not by you.

Ready to get the work vehicle financed?

It's fast, free, and won't affect your credit score.

Apply Now

Get Approved in 3 Simple Steps

Apply online

1. Apply online

Find the loan type that fits your needs - then complete our easy online application form to get started.

We match a lender

2. We source a lender

We partner with multiple lenders, giving you access to loan solutions you won’t always find at the big banks.

get loan approved

3. You get approved!

If you’re eligible, loan approval, signing & funding can happen really fast. Some loan types can take a little longer to approve.

Let’s find the right loan for you! It’s fast, free, and won’t affect your credit score.

Eligibility Criteria

Verify Age & Address

You must be 18 or over and able to verify your residentialaddress.

Australian Residency

You must be an Australian citizen, permanent resident, orhold a valid visa.

Verify Your Income

You’ll need to show a regularincome from work, self- employment, or eligibleCentrelink payments.

Banking & Credit History

You’ll need an active bank account and lenders may review your credit history as part of theirassessment.

We follow responsible lending rules under the NCCP, so lenders check that any loan is suitable and affordable for you. We’re also an AFCA member, so you have access to independent dispute resolution if needed. To apply, you’ll usually need to be 18 or over, live in Australia, have an active bank account, and show regular income. Each lender has its own criteria, and final approval depends on their assessment of your circumstances.

Our Lender Panel

Frequently Asked Questions

Still have questions? We’re here to help. Contact our team anytime.