Vehicle finance: your questions answered

A novated lease is a three-way arrangement between an employee, their employer and a financier, where the employer deducts the vehicle payments from the employee's salary. It is only available to employees whose employer offers salary packaging, not to a business buying its own vehicle. The tax treatment involves fringe benefits tax rules, and concessional treatment applies to some eligible electric vehicles. Your payroll department and accountant should confirm the position before you sign.

Yes, most asset lenders fund private sales, with extra checks. The lender will run a PPSR search to confirm no existing finance is registered against the vehicle, verify the seller's identity and bank details, and may require an inspection or valuation. Funds are paid to the seller after signing, not to you. Private sales usually settle a little slower than dealer purchases and there is no GST credit to claim unless the seller is registered and issues a tax invoice.

The finance structures are the same — chattel mortgage, lease or novated lease — but a few things change. Some lenders offer specific EV or low-emissions products, residual and balloon settings can be more conservative because resale values are still stabilising, and charging infrastructure can sometimes be financed alongside the vehicle. For employees, eligible electric vehicles under the luxury car tax threshold may attract an FBT exemption on a novated lease. Confirm current rules with your accountant.

Fleet arrangements put several vehicles under one approved limit, so each new vehicle is drawn down against an existing facility rather than assessed from scratch. That saves time and gives consistent pricing across the fleet. Larger fleets can add maintenance, registration and fuel management into a single monthly cost. The trade-off is an annual review of the overall limit and, in some cases, tighter reporting requirements from the financier.

For most Australian businesses a chattel mortgage is the most common structure: the business owns the vehicle from day one, repayments are fixed, a balloon can lower the monthly cost, and GST on the purchase price can usually be claimed on the next BAS. A finance lease or novated lease suits businesses that prefer to rent the vehicle and hand it back or upgrade. The right choice depends on how long you will keep the vehicle, your GST position and your accountant’s advice, which your broker walks through with you.

Yes. Lenders finance used vehicles from dealers, and most will finance private sales and auction purchases with a few extra checks: a PPSR search to confirm the vehicle is unencumbered, an inspection or valuation, and a payout to any existing financier. Older vehicles attract shorter terms and slightly higher rates, and most lenders set a maximum vehicle age at the end of the term, commonly 12 to 15 years.

Usually not. Most lenders will finance 100 per cent of the vehicle price for an established business with good credit, and some will include on-road costs, accessories and insurance in the amount financed. A deposit or trade-in reduces the repayment and can improve the rate, and lenders may require one for newer ABNs, higher-risk applicants or older vehicles.

Yes. Electric and hybrid vehicles are financed on the same structures as any business vehicle, and some lenders offer a small rate discount for EVs. Eligible electric vehicles under the luxury car tax threshold may also be exempt from fringe benefits tax when provided to employees, which can make a novated lease or a business-owned EV significantly cheaper. Your broker and accountant can confirm the treatment for your situation.

Low-doc applications are commonly approved the same day or within 48 hours once identification and the vehicle details are provided, and settlement with the dealer can follow within a day or two. Full-doc applications for larger amounts or newer businesses take a few days longer. If you have found the vehicle, tell your broker and they will get the approval in place before you commit.

Fleet finance sets up a master facility with an approved limit, and each vehicle is then drawn down under it without a fresh application. The lender assesses the business once, agrees the limit and the terms for each drawdown, and you add vehicles as you need them, typically within 24 to 48 hours of sending the invoice. Each vehicle usually sits on its own chattel mortgage or lease under the umbrella, so terms and balloons can differ by vehicle while the paperwork and pricing stay consistent.

Once a business is running around five or more vehicles, or replacing vehicles every year, a master facility saves time and usually money: one credit assessment, one set of documents, consistent pricing and a limit that is ready when the next vehicle is. For one or two vehicles, individual finance is simpler. Businesses that grow into a fleet often convert their existing vehicle loans into a facility at the next renewal.

Yes. A facility can cover cars, utes, vans, light trucks and sometimes trailers and plant, each drawn down on terms that suit the vehicle. A sales fleet of cars might sit on three-year leases with the vehicles returned, while utes and vans sit on five-year chattel mortgages with a balloon. Some lenders also offer fully maintained operating leases for fleets that want servicing and tyres bundled into one monthly cost.

Yes. Existing vehicle loans from several lenders can be paid out and brought under one facility, which simplifies the monthly debits and often improves pricing. Payout figures are obtained from each lender, and any early payout fees are weighed against the savings. Vehicles owned outright can also be used as security to establish or increase the limit.

To establish the facility: two years of financials, recent BAS and bank statements, a schedule of the current fleet and its finance, your replacement plan and identification for directors. After that, each drawdown needs only the vehicle invoice, the registration details and confirmation of insurance. Your broker prepares the initial pack and handles each drawdown as vehicles are ordered.

One to three weeks to establish the facility, because the lender assesses the whole business and agrees a limit. Once it is in place, vehicles are typically funded within 24 to 48 hours of the invoice. If you have vehicles on order, tell your broker the delivery dates so the facility is ready before they arrive.

Yes. Lenders finance used vehicles from dealers, private sellers and auctions, for business and personal use. The main differences from new-vehicle finance are age limits, a possible inspection or valuation, and slightly higher rates for older vehicles. Well-kept used utes, vans and cars a few years old are financed every day, often at rates close to new. Your broker checks the vehicle’s age and history against each lender’s rules before you commit.

Most lenders set a maximum age at the end of the loan term rather than at purchase, commonly 12 to 15 years, so a seven-year-old vehicle can usually be financed over five years. Some lenders go older for classic or specialist vehicles with a valuation. The older the vehicle, the shorter the term and the higher the rate tends to be, so your broker matches the term to the vehicle’s age.

The lender pays the seller directly at settlement once a few checks are done: a PPSR search to confirm the vehicle has no finance owing, verification of the seller’s identity and ownership, and usually an independent inspection or valuation. If the seller has finance on the vehicle, the lender pays that out first and the balance to the seller. Allow two to five business days. Your broker coordinates the checks so the seller is paid promptly.

Yes. Getting a pre-approval before the auction is the key, because auction houses expect payment within a day or two of the hammer falling. With a pre-approved amount in place, your broker arranges settlement to the auction house once you have the buyer’s invoice. Auction vehicles are sold as-is, so many lenders require an inspection, and some exclude vehicles with a written-off history.

The Personal Property Securities Register records whether a vehicle has finance owing or is listed as stolen or written off. A PPSR search, done using the vehicle’s VIN, protects you from buying a vehicle that a lender could repossess. Every lender runs one before funding a used vehicle, and it is worth doing yourself for a few dollars before you agree a private sale. If finance is owing, the lender pays it out at settlement so the vehicle transfers clean.

Dealer purchases are often approved within 24 to 72 hours and settled the same day the paperwork is complete. Private sales and auctions take a little longer because of the PPSR check, inspection and seller verification, typically two to five business days. If you have found the vehicle, tell your broker straight away so approval is in place before someone else buys it.

A novated lease is a three-way agreement between you, your employer and a finance company. You choose the car, the finance company leases it to you, and your employer takes over the lease payments and running costs, deducting them from your salary, partly before tax. You use the car as your own, and if you leave the job the lease goes with you. It is available to employees whose employer offers salary packaging, which includes most government, health, education and many private employers.

Eligible electric vehicles under the luxury car tax threshold for fuel-efficient vehicles are exempt from fringe benefits tax when provided through a novated lease. That means the whole lease payment and running costs can come out of pre-tax salary with no FBT to offset, which for many employees makes an EV cheaper to run than a similar petrol car bought with a loan. Plug-in hybrids lost the exemption for new arrangements from April 2025, so check the current rules for the vehicle you have in mind.

Most novated leases bundle fuel or charging, servicing, tyres, registration, insurance and roadside assistance into one salary deduction, budgeted from your expected kilometres and reconciled during the year. Some drivers prefer a finance-only novated lease and pay running costs themselves. Bundling is convenient, but the budget should match your real usage so you are not over- or under-deducted.

The lease is yours, not your employer’s. If you leave, the novation with that employer ends and you either novate the lease to your new employer, if they offer salary packaging, or take over the payments personally until you do. Your tax saving pauses while the lease is not novated. It is worth checking that a prospective employer supports novated leasing before you move.

It depends on your salary, the vehicle and how much you drive. Novated leases tend to win for higher earners, for eligible electric vehicles because of the FBT exemption, and for people who value one bundled payment for all running costs. A car loan can be better for lower earners, for very low kilometres, or where the employer’s packaging provider adds high fees. Lyft Money compares the two honestly for your situation rather than assuming one answer.

Yes to both, within limits. Used cars can be novated provided they are under the lender’s age limit at the end of the lease, commonly around 12 to 15 years. A car you already own can be sold to the finance company and leased back to you as a novated lease, releasing the cash and moving the running costs to pre-tax salary. The FBT exemption for electric vehicles applies to used EVs first held after July 2022.

Yes. When the tray, canopy, service body, toolboxes, racks, bull bar or tow kit are quoted with the vehicle, most lenders fund them on the same contract at the same rate, so the whole working ute settles as one purchase. Accessories fitted later are harder to finance, so get the fit-out quoted before delivery. Lenders will usually fund accessories up to a sensible proportion of the vehicle price; a $40,000 service body on a $45,000 cab chassis is normal, and your broker confirms each lender’s limit.

For finance, a ute is treated as a business vehicle and usually funded on a chattel mortgage with the GST generally claimable. The main difference is tax: a ute with a payload over one tonne is not subject to the car limit that caps depreciation and GST claims on passenger vehicles, and it often escapes fringe benefits tax when private use is minor and incidental. Dual-cab utes under one tonne payload are treated more like cars. Your accountant confirms the position for the model you choose.

Yes. Tools and equipment with a resale value, such as compressors, generators, laser levels, trailers and larger power tools, can be financed on a chattel mortgage, and many lenders will bundle a tools package with the vehicle or trailer. Small hand tools are usually better bought from cash flow or a line of credit. Your broker structures the vehicle, trailer and gear so the whole kit settles together.

Yes. Racking, shelving, flooring, ply lining, roof racks, ladder racks, refrigeration units and signage can usually be financed on the same contract as the van when they are quoted with it, so the whole working vehicle settles at one rate. Lenders fund fit-outs up to a sensible proportion of the van’s value. Get the fit-out quoted before delivery; accessories added later are harder to finance.

Yes. Late-model used vans from dealers and private sellers are financed routinely, and after the steep first-year depreciation they are often better value than new. Most lenders allow the van to be around 12 to 15 years old at the end of the term, with a PPSR check and usually an inspection for private sales. High-kilometre courier vans attract shorter terms.

A chattel mortgage suits a car owned by the business and used mostly for business: the business owns it, claims GST and depreciation, and the repayments come from business cash. A novated lease suits an employee, including a company director on salary, who wants the car packaged from pre-tax pay with running costs bundled. The right answer depends on who drives the car, how much private use there is and the entity structure, which your accountant and broker work through together.

Eligible zero-emission electric vehicles first held after 1 July 2022 and priced under the luxury car tax threshold for fuel-efficient vehicles are exempt from fringe benefits tax when provided to an employee, including through a novated lease. The exemption for plug-in hybrids ended for new arrangements from 1 April 2025. The exempt benefit is still reported for some purposes, so check the current rules with your accountant before you order.

Often, yes. A wall charger and its installation can be included in the amount financed by many lenders when quoted with the vehicle, and some novated lease providers bundle home charging into the package. Chargers for a business premises can alternatively be financed as equipment. Ask your broker to include the charger quote so it settles with the car.

Luxury car tax is charged at 33 per cent on the value above the LCT threshold, which is indexed each year and is higher for fuel-efficient vehicles. It is included in the dealer’s drive-away price and can be financed as part of the total, but it is not recoverable as GST. For a business, the car limit also caps the depreciation and GST claim, so a luxury car is usually financed for its lifestyle or client-facing value rather than its tax position.

Most lenders allow the car to be up to about 12 to 15 years old at the end of the term, so a seven-year-old car can usually still get a five-year term with the right lender. Older or classic vehicles are financed by a smaller group of lenders on shorter terms, often with a deposit. Kilometres, condition and service history matter as much as age.

Yes. Private-sale finance is common. The lender runs a PPSR check to confirm the car has no money owing and is not written off or stolen, verifies the seller’s identity and ownership, and usually arranges a short inspection. Funds are paid to the seller directly, or to their lender first if there is finance to clear. Allow a few extra days compared with a dealer purchase.

Yes. Owner-drivers are a large part of the prime mover market, and lenders finance them on the strength of a subcontract or carrier agreement, driving history and a clean credit file. New ABNs typically need a deposit of 10 to 20 per cent and a used truck within age limits; established operators with a good asset finance history are often approved with no deposit on low documentation.

Yes. A prime mover and its trailer or B-double set can go on one contract when bought together, or on separate contracts with different terms because trailers last longer than trucks. A broker structures the split so the repayment reflects each asset’s life and the combination’s earnings.

Mainstream lenders generally accept prime movers up to about 12 to 15 years old at the end of the term, so a five-year-old truck with 500,000 kilometres can still get a five-year term with the right lender. Kilometres, engine hours, brand and service history matter as much as age, and specialist lenders take older trucks on shorter terms.

Yes. Pantech, curtainsider, tray, tilt tray, service bodies and tailgate lifts can be financed with the cab chassis when quoted together, so the whole working truck settles on one contract. Body builders often invoice separately; your broker combines the quotes into a single approval.

Yes. Rigid trucks up to around $150,000 to $250,000 are commonly approved on low documentation for businesses with two years of ABN history and clean credit, often within 24 hours. New ABNs and higher-value trucks may need a deposit or financials. Lyft Money checks fit across the panel first.

Light rigids on a car licence are financed the same way as heavier trucks, with the same lenders and terms, and they are not subject to the car limit because they are designed to carry a load. They are popular first trucks for couriers, removalists and trades, and many lenders approve them quickly for new businesses.

Yes. Private-sale trucks need a PPSR clearance, proof of the seller’s ownership, an inspection and a roadworthy certificate where the state requires one. Funds are paid to the seller or their financier directly. Allow a few extra days compared with a dealer purchase.

Yes. A tipper and dog trailer can be financed together on one contract or on two contracts with terms matched to each asset. Lenders like the combination because truck-and-dog work on civil and quarry jobs is steady, and the trailer holds its value well. Include the dog on the quote if you are buying both.

Yes, with the right lender. New ABNs usually need a deposit of 10 to 20 per cent, a clean personal credit file and evidence of work such as a cartage agreement or a trade background. Established businesses are commonly approved low-doc with no deposit. A used tipper within age limits is a common first truck.

Yes. Steel or alloy tipping bodies, hoists, tarps and tailgates can be included on the same contract when quoted with the truck, and body builders’ invoices are combined with the dealer’s into one approval. Financing the body with the truck is cheaper than a separate small loan.

Well, provided the truck is within age and kilometre limits, typically under about 12 to 15 years at the end of the term. Lenders look at the chassis and body condition, kilometres, engine hours and service history. Auction and private purchases are accepted with a PPSR clearance and inspection.

Yes. The tilt tray body, winch, underlift and hydraulics can be financed with the cab chassis when quoted together, so the complete tow truck settles on one contract. Lenders finance tilt trays, wreckers and heavy recovery units for licensed operators, with terms up to seven years on new trucks.

Yes. Used tilt trays and wreckers are financed on age, kilometres, the condition of the body and hydraulics and the service history. Mainstream lenders take trucks up to about 12 to 15 years old at the end of the term; older units suit specialist lenders on shorter terms. Private and auction purchases are accepted with a PPSR clearance and inspection.

Yes. Established operators with a good asset finance history often get pre-approval for the next truck on low documentation, and roadside assistance or insurance contracts strengthen the case. A broker manages lender exposure across your fleet so each addition is approved without delays.

Yes. The insulated body, fridge unit, standby power and temperature logging can be financed with the cab chassis when quoted together, so the whole refrigerated truck settles on one contract. Body and fridge builders invoice separately from the truck dealer; your broker combines the quotes into a single approval.

Similar terms to other rigid trucks, up to seven years on new units, though lenders note that fridge units and insulated bodies wear differently from the chassis. A five-year term with a modest balloon suits most food and pharmaceutical delivery businesses. Used refrigerated trucks are assessed on the fridge unit’s hours and service history as well as the truck’s kilometres.

Yes. Refrigerated vans on a car licence are financed the same way, with the conversion included when quoted with the van, and they suit smaller delivery runs and start-ups. Lenders finance both, and your broker can compare the cost of a van against a light rigid truck for your routes.

Yes. Agitator owner-drivers are common, and lenders finance them on the strength of a cartage agreement with a concrete company, driving history and a clean credit file. New ABNs usually need a deposit of 10 to 20 per cent; established operators are often approved with no deposit. The cartage agreement is the key document, so include it.

Yes. The agitator bowl, hydraulics, chute and water system can be financed with the truck when quoted together, so the complete agitator settles on one contract. Bowl builders invoice separately from the truck dealer; your broker combines them into a single approval.

Yes. Used agitators are assessed on the truck’s age and kilometres and the bowl’s condition, including drum wear and build-up. Mainstream lenders take trucks up to about 12 to 15 years old at the end of the term; specialist lenders take older units on shorter terms. An inspection supports the application.

Yes. The vehicle-loading crane, tray, remote control and stabilisers can be financed with the cab chassis when quoted together, so the complete crane truck settles on one contract. Crane installers invoice separately from the truck dealer; your broker combines the quotes into a single approval.

Up to seven years on a new truck, with five years the most common. Cranes and trays outlast the chassis, so a balloon of 20 to 30 per cent sits comfortably under the resale value of a well-kept crane truck. Used units are financed on the truck’s age and kilometres and the crane’s inspection and hours.

As a single vehicle asset, which means it uses the same lenders and terms as any rigid truck and is not subject to the car limit. The crane is treated as part of the truck’s value. Your accountant confirms the depreciation treatment, and the GST is generally claimable on the next BAS under a chattel mortgage.

Yes. Buses and coaches are financed from 12-seat minibuses through to full-size coaches, with lenders looking at accreditation, contracts such as school runs or tour agreements and the operator’s history. Terms run up to seven years and longer on new coaches because of their 20-year working lives.

Yes. Used buses are financed on age, kilometres, body condition, brand and service history, with mainstream lenders taking buses up to about 15 years old at the end of the term and specialist lenders going older on shorter terms. Bus bodies from established Australian builders on recognised chassis are the easiest to finance.

Yes. Wheelchair lifts, seat belts, air conditioning, luggage compartments and livery can be financed with the bus when quoted together, and lenders accept them as part of the vehicle’s value. Retrofit work can be financed as equipment on a shorter term.

Trailers last far longer than trucks, so lenders offer terms up to seven years on new trailers and five years on used, and they are relaxed about age because a well-maintained trailer works for 25 years. A balloon of 20 to 30 per cent is common on new trailers. Financing the trailer separately from the prime mover lets each asset carry a term matched to its life.

Yes. Used trailers from dealers, auctions and private sellers are financed with a PPSR clearance, a current registration or roadworthy and an inspection for private sales. Lenders look at brand, build year, suspension type and body condition. Pre-approval before an auction lets you bid with confidence.

Yes. Multi-trailer combinations are financed on one contract or on a contract per trailer, and lenders finance drop decks, curtainsiders, flat tops, skels and tankers alike. A broker structures the split so exposure to any one lender stays comfortable and the repayment reflects the combination’s earnings.

Yes. Businesses that subcontract haulage or run trailers on a swap basis with a carrier finance trailers on their own, and the trailer is the security. The lender will want to understand how the trailer earns, such as a carrier agreement, so include that with the application.

Yes. A tipping semi-trailer or a truck-and-dog combination can settle on one contract with the truck, or on separate contracts with terms matched to each asset. Trailers last longer than trucks, so a longer term with a modest balloon on the trailer often gives the best overall repayment.

Yes. Lenders finance both, and alloy trailers often hold value better because of their payload advantage and resistance to corrosion. Lenders look at brand, build year, suspension, hoist condition and body wear. A recognised Australian builder makes the trailer easier to finance and resell.

Yes. New ABNs usually need a deposit of 10 to 20 per cent, a clean personal credit file and evidence of work such as a cartage agreement with a quarry or civil contractor. Established operators are often approved low-doc with no deposit. Tipper trailers are strong security because civil and quarry demand is steady.

Yes. Used tippers are financed with a PPSR clearance, a current registration or roadworthy and an inspection for private and auction purchases. Because trailers work for 20 years or more, lenders are relaxed about age and focus on condition and brand. Terms of three to five years are common on used units.

Yes. The insulated body, refrigeration unit, standby power and temperature monitoring are financed with the trailer as one asset. Lenders assess the fridge unit’s hours and service history as well as the trailer’s build year, because the unit is a large share of the trailer’s value.

Up to seven years on new trailers and around five on used, with balloons of 20 to 30 per cent common on new units. Fridge units wear faster than the trailer body, so many operators choose a five-year term that lines up with a major service or replacement of the unit.

Yes. Used reefers are financed on the trailer’s build year and condition and the fridge unit’s hours, service history and current calibration. Private and auction purchases need a PPSR clearance and inspection. A recognised trailer builder and fridge brand keeps the terms sharp.

As trailers, on terms up to seven years new and around five used, with lenders relaxed about age because a well-built low loader works for 25 years. Lenders look at the builder, axle configuration, deck condition, ramps and the combination it will run with. Widening decks, dolly and jinker configurations are all financed.

Yes. Owning a float rather than hiring one is common once a business runs several machines, and lenders finance low loaders for contractors as well as heavy haulage operators. The machines it will move and the work ahead support the application, and the trailer can be financed on its own or with a prime mover.

Yes. Used low loaders are financed with a PPSR clearance, current registration or roadworthy and an inspection of the deck, suspension, ramps and hydraulics. Trailers from recognised Australian builders hold value well and are easy to finance and resell. Terms of three to five years are common on used units.

Yes. A dog trailer can be financed with the tipper on one contract or on its own, and lenders like truck-and-dog combinations because civil and quarry demand is steady. Match the dog’s builder and body to the truck where you can; combinations from the same builder resell better.

Up to seven years on a new dog trailer and around five on used, with balloons of 20 to 30 per cent common on new units. Because a dog trailer outlasts the truck, running a slightly longer term on the trailer than the truck often gives the best combined repayment.

Yes. Lenders finance all configurations; the larger dogs cost more and earn more under performance-based standards and higher mass limits. Lenders look at the builder, axle group, suspension, hoist and body condition. PBS-approved combinations are well-regarded security.

Yes. Used dog trailers are financed with a PPSR clearance, current registration or roadworthy and an inspection for private and auction purchases. Lenders are relaxed about age and focus on brand and condition. Pre-approval before an auction lets you bid with confidence.

Yes. Boat loans cover new and used trailer boats, cruisers, yachts and jet boats from dealers, brokers and private sellers, secured against the boat, with terms of up to seven years and amounts from around $10,000. The trailer and motor are included in the loan when bought together, and private sales need a PPSR check and inspection.

Up to seven years is standard, matching a caravan’s long life and keeping repayments manageable on higher-value vans. Shorter terms cost less in total interest. Off-road vans, motorhomes and campers are all financed the same way, secured against the van.

Yes. Private-sale caravans need a PPSR check to confirm no money is owing, proof of the seller’s ownership, registration and usually an inspection, and the lender pays the seller directly. Most lenders finance vans up to about 15 to 20 years old at the end of the term.

Yes. Learner-approved motorbikes are financed routinely, with lenders looking at income, credit history and a small deposit rather than riding experience. Licence and insurance are required at settlement. A broker knows which lenders are comfortable with younger riders and first loans.

Yes. Helmets, jackets, panniers, exhausts and other accessories bought with the bike from the dealer can usually be included in the amount financed, up to a sensible proportion of the bike’s price. Gear bought separately is not financed.

Yes. Private-sale bikes need a PPSR check, proof of the seller’s ownership, registration and often a roadworthy certificate, and the lender pays the seller directly. Most lenders finance bikes up to about 10 to 12 years old at the end of the term; classic and imported bikes suit specialist lenders.

Yes. The trailer, cover and accessories bought with the jet ski from the dealer are included in the loan, secured against the jet ski. Amounts from around $10,000 qualify, and terms of up to five years are common.

Yes. Used jet skis from dealers and private sellers are financed with a PPSR check, proof of ownership and registration, and lenders look at hours, age and service history. Most lenders finance jet skis up to about 10 years old at the end of the term.

Both. Private buyers finance floats through a secured leisure or personal loan, while equine businesses such as trainers, agistment operators and riding schools can finance them as business equipment on a chattel mortgage with GST and depreciation benefits. Your broker chooses the structure that fits how the float is used.

Yes. Used floats need a PPSR check, registration and often an inspection, and lenders look at the builder, age and condition of the floor and suspension. Imported floats are financed once complied and registered in Australia. Floats from recognised Australian builders hold value and are easiest to finance.

Yes. Goosenecks and horse trucks with living quarters are financed as leisure assets or, for businesses, as vehicles or equipment, with terms up to seven years given their long lives. Fit-out such as living areas and tack rooms can be included when quoted with the float or truck.

Yes. Soft-floor and forward-fold campers, hybrid off-road campers and slide-ons are financed as leisure assets secured against the camper, with amounts from around $8,000 and terms of up to seven years. Annexes, solar and accessories bought with the camper from the dealer are included.

Yes. Private-sale campers need a PPSR check, proof of ownership and registration, and the lender pays the seller directly. Most lenders finance campers up to about 15 years old at the end of the term, and recognised Australian builders are the easiest to finance.

Prime movers, rigids and trailers are financed on chattel mortgages with terms up to seven years, usually with a balloon and often on low documentation for established operators, and a fleet facility lets trucks be added as contracts are won. Trailers can run on longer terms than trucks because they last longer.

Yes. Utes and vans fitted out for mobile and large-animal practice are financed as business vehicles with the fit-out included when quoted with the vehicle, and they are not subject to the car limit when built to carry a load. Registered vets are usually approved on low documentation.

Yes. Racking, drawers, pipe tubes, roof racks, a canopy and signage can be financed with the vehicle when quoted together, so the whole working vehicle settles at one rate. Plumbers with two years of ABN history are usually approved on low documentation within a day.

Yes. Vans with racking and fit-out, scissor lifts, boom lifts and trailers are financed as vehicles and equipment over three to five years, and several items can be bundled. Established electrical contractors are usually approved on low documentation within a day.

Yes. Business car finance or a novated lease funds vehicles for agents and directors, with the choice depending on who drives the car and its private use. Chattel mortgages suit agency-owned cars; novated leases suit salaried agents. Your broker and accountant work through the structure.

Yes. Vans and buses with wheelchair lifts, ramps and restraints are financed as business vehicles with the modification included when quoted with the vehicle, over terms of up to seven years. Established providers are usually approved on low documentation.

Yes. A chattel mortgage in the sole trader’s name with the ABN lets the business-use portion of interest and depreciation be claimed and the GST on the purchase claimed if registered, and vehicles designed to carry a load are usually outside the car limit. Your accountant confirms the business-use percentage.