Commercial Car Financing Interest Rates
are extremely competitive with many lenders in the sector. With our large lender base, we quickly find the best rates in the market.
Business Loan Rates
Interest rates are not only at the core of containing the total investment cost and realising the return expected but can also cause a ripple effect through the financials of the operation. The rate affects repayments which in turn affects cash flow and on it goes. Which is one of the key reasons why Jade Finance sets a goal of obtaining the cheapest rates for every customer. A goal we have been achieving continually for more than 25 years.
Why Aussies Choose Jade
Apply Online
The easy application process provides you with comprehensive information. Make a fully informed decision on your commercial loan.
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Save time, money, and worry - Get Pre-Approval for your finance. You'll be good to go when you find your dream venture.
Business Loan Specialist
With over 25 years of experience in finance, we have a reputation for negotiating great rates with same-day approvals.
Secure Affordable Commercial Loans with Expert Broker Assistance
We know how much Australian enterprises rely on credit and rely on that credit being affordable. Our services make the process of achieving those critical cheaper rates by simplifying what can be a complex lending market.
The commercial lending interest rate market has variations in the rates offered by the different banks and lenders, the variations in rates for different lending products and the way that rates are offered based on individual application details. By bringing together the best rates from across 80+ lenders, we deliver better rates for cheaper funding solutions.
Better Business Finance Interest Rates Across Loan Products
Interest rates for commercial lending differ with the facilities available for different purposes.
Compare Rates
Chattel Mortgage Interest Rates
are the lowest in the selection of asset acquisition funding facilities. Operators should review all features of benefits of Lease, CHP, Rent-to-Own and Chattel Mortgage in reference to their operation.
Equipment Financing Interest Rates
will differ with the credit facility selected and can differ with industry sector and the age and condition of the goods.
Secured Business Loan Interest Rates
can be competitive and cheaper as the banks drive much of this market. Our services help customers find which bank or non-bank lender can offer them the best rate.
Unsecured Business Loan Interest Rates
can be sourced through our extensive non-bank lender base which drives much of this area. With security, operators may achieve workable rates base on the last 6 months of turnover figures.
Compare Our Better Business Loan Rates - from 80+ Lenders
With our 80+ lender accreditations we have the resources to source the cheapest rates currently in the market.
Whether looking for cash flow support, asset acquisition funding or funding to cover non-asset expenditure, compare our better rates across the board, across all funding options.
Rates offered can differ from the rates shown, so call us or connect online for a quote, specifically sourced for your individual funding needs.
Business finance guides and resources
Our guides offer quick comparisons and simple explainers to help you rise above the financing process with confidence.
Business Finance
Specialised Business Finance
Business Car Finance
Get Certainty and Confidence with Our Fixed Business Finance Rates
The constant fluctuations in interest rates can create challenges for many operators. With our fixed rates on many of our lending products, including asset acquisitions, we provide confidence and certainty for our customers. Our cheaper fixed rates along with our fixed terms deliver a fixed repayment schedule and certainty for operators over the funding term.
- Fixed Interest Rate Loans for Business.
- Fixed Rates, Fixed Terms for Fixed Repayments.
- Confidently move on future expenditure and business plans.
Want more information? Speak to a broker now.
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THE INTEREST RATE IS CALCULATED ON A SECURED LOAN PREDOMINATELY FOR BUSINESS USE, EFFECTIVE 21/02/2026 AND SUBJECT TO CHANGE. WARNING: THE INTEREST RATE IS TRUE ONLY FOR THE EXAMPLES GIVEN AND MAY NOT INCLUDE ALL FEES AND CHARGES. DIFFERENT TERMS, FEES OR OTHER LOAN AMOUNTS MAY RESULT IN A DIFFERENT INTEREST RATE.
We work harder to secure the best rates.
Business Loan Rates FAQs
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An online lending calculator is only for obtaining estimates and does not include lender charges or make allowances for user credit variations. Any offer received from a lender can be at a different rate from the advertised rate.
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Both banks and finance companies can be highly competitive in commercial lending. The competitive edge may vary with the type of product – secured or unsecured. The industry sector, especially for equipment credit, may influence rates with some specialist non-bank lenders highly competitive in their specific lending area.
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Rates advertised or displayed by banks and lenders will tend to be their lowest rate for strong applications with good credit for purchases of new goods. An individual application that does not meet the highest criteria levels may be offered a different rate.
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Applicants with a good credit profile and strong financials are typically offered the best rates. Lender rates advertised are for new goods. Used goods may attract higher rates. To improve the application, operators may look at reducing debt levels and improving credit score.
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Yes. Applications for commercial car credit can be submitted to a broker, lender or bank and approved before the vehicle purchase is finalised.
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Being registered for GST is not essential for being eligible for commercial credit but lenders may look more favourably at operators that are registered for GST. Operators without GST registration but with good financials and a strong application may be offered competitive rates.
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Yes. Commercial credit interest is treated as a tax deduction.
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Operators would need to request a quote in order to obtain a specific rate for the credit purpose.
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Yes. Buyers can use an online calculator as offered by lenders to calculate estimates of their car loans using advertised rates.
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Asset acquisition funding and secured commercial credit are typically arranged with a fixed rate that does not change. Some unsecured products may have a variable rate which is subject to lender and market fluctuations.
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Operators can select from a number of credit products to finance trucks. The rates differ across the selection.
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No. Lenders assess each application on an individual basis and make rate offers based on that assessment. Factors such as credit rating, financial assets, current liabilities and debt levels, turnover and other aspects are considered. The variations in applications results in different rate offers.
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Not necessarily. As secured format credit, car and equipment funding rates can be highly competitive. While motor vehicle rates tend to be consistent with the type of vehicle, equipment rates can vary with the type of equipment and/or the industry.
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Asset acquisition funding products for cars, trucks and equipment tend to attract the cheapest rates as they are secured financing facilities. Within that category, the rates vary with CHP and Chattel Mortgage the lowest, Leasing a bit higher and Rent-to-Own the highest. Unsecured credit and overdrafts tend to attract higher rates than secured credit.
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The financial position, turnover, trading history and other factors of the application for self-employed operators will be considered when lenders make a funding rate offer. Often the personal financials of the operator would also be considered. Self-employed operators can receive competitive rates but all offers are subject to lender decisions.