New Business Car Finance
Contact us to connect with lenders that offer competitive offers for new operators, even if you’ve only had your ABN for one day.
Commercial Business Car Loans
The interest rate is vital to ensuring the new vehicle is an affordable, cost-effective investment. But comparing rates across the motor vehicle lending market can be time-consuming and laborious. We’ve done the hard work by finding the cheapest rates from across our lending panel of 80+ banks and non-bank lenders. Buyers can use our latest rates as a guide to compare the different credit options – Leasing with Chattel Mortgage, and to make finance-based decisions on different makes and models. For an exact rate based on your vehicle and your enterprise, request a quote online or by phone.
Why Aussies Choose Jade
Apply Online
The easy application process provides you with comprehensive information. Make a fully informed decision on your car loan.
Get Pre-Approval
Save time, money, and worry - Get Pre-Approval for your finance. You'll be good to go when you find your dream car.
Business Loan Specialist
With over 25 years of experience in finance, we have a reputation for negotiating great rates with same-day approvals.
Get on the Road Faster and Cheaper with Our Commercial Business Car Loans
The market for motor vehicle credit is one of the largest lending markets in Australia. Great for competition but not always great for buyers trying to navigate all the options. Dealers, banks, finance companies, manufacturers – how do operators find the cheapest and best for their vehicle and their enterprise? Just select your vehicle, select your credit product and leave the rest to Jade Finance.
When it’s time for a new work vehicle, our motor vehicle lending specialists can get you behind the wheel and on the road faster and with cheaper funding. As specialist motor vehicle lending brokers, we have accreditations with over 80 lenders. Providing our consultants, and our customers, quick access to a large selection of options and particularly, to finding the cheapest rates currently available. We do the sourcing the most suitable lender, negotiating for the cheapest rates and the term that will deliver repayments to work with cash flow and an outcome that maximises tax benefits. Whether buying a ute, van, cab chassis, sedan, SUV or any other vehicle for your operation, we have the full range of funding options to suit all types of set-ups.
Specialised Business Car Loan Solutions – ABN, Sole Trader, New Biz
As an Australian-owned and operated company, we know the operating landscape, especially the large number of individuals working for themselves, running a micro operation or in the process of starting a new venture. We support all set-ups, at all stages, with full access to our expert motor vehicle lending services and better vehicle funding.
Request a Quote
Small Business Car Financing
We are fully across the small and SME sector and enable small-scale operators to get approved for competitive rates and cost-effective vehicle funding through our expert services and lender connections.
Self-emplyed Car Finance
motor vehicle credit at competitive rates is available through Jade.Finance for the millions of individuals working for themselves in tech, IT, creative, trades, courier work, maintenance and many others.
ABN Car Loans
Options for ABN holders with approvals assessed primarily on turnover with competitive rates, workable terms and tax optimised outcomes achievable.
Bad Credit Car Finance Options
Our individual approach to every application may be the solution for those with credit issues. Contact us for a confidential, no-obligation discussion of your situation and the options available.
How to Get Fast Commercial Car Loan Repayment Estimates - On Demand!
You want to make decisions about which model to secure your vehicle but the decision is based on the repayments? Solved. Use our Motor Vehicle Credit Calculator to calculate and compare repayments on any models at any price points – when you want. This online device allows buyers to vary the loan amount, term, balloon and interest rate to make decisions on which vehicle to purchase and what to request in the funding structure. Get started now and call us for a confirmed quote.
- Online Car Finance Calculator
- Connect, Calculate, Compare Commercial Car Credit
- Free to use, no obligation!
Business finance guides and resources
Our guides offer quick comparisons and simple explainers to help you rise above the financing process with confidence.
Specialised Business Finance
Business Car Finance
Cheaper Business Car Loans Solutions for All Vehicle Types
Many types of motor vehicles can be purchased, funded and used in work environments and enterprises. Our funding options and services extend to all vehicles, from all leading manufacturers, bought from dealers, at an auction or through a private seller.
- Passenger Car Business Finance.
- Cab Chassis and Ute Financing
- SUV Business Car Loans
- New and Used Commercial Car Loans
- Business Financing for EV and Hybrid Cars
- Fleet Financing Solutions
Get in touch to find out how a specialist broker can answer your questions about your commercial business car loan.
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THE INTEREST RATE IS CALCULATED ON A SECURED LOAN PREDOMINATELY FOR BUSINESS USE, EFFECTIVE 13/04/2026 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.
Commercial Business Car Loans FAQs
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The term approved on vehicle credit is subject to lender approval and guidelines. Up to 7 years is typical.
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A balloon is a portion of the credit total which is payable in full after the final repayment. It applies to Chattel Mortgage and CHP.
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Yes. SUVs can be funded with a choice of CHP, Lease or Chattel Mortgage.
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The condition of a used vehicle will be assessed by lenders and may in some instances, impact the rate and credit terms offered. This is subject to lender guidelines.
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Yes. Pre-approved credit is available through most lenders.
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Using an online credit calculate can assist buyers work out repayment estimates on different priced vehicles for comparison purposes.
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Operators should review the features of each credit product, especially the suitability to either accruals or cash accounting methods when deciding which is the most appropriate option for their set-up. Speaking with an accountant is advisable.
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The selection of credit products – Chattel Mortgage, Lease, CHP, is the same for all types of motor vehicles to be used for work purposes.
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Trading time can be an approval criteria for some banks and lenders. Some lenders will approve applications based on 6 months of turnover figures. Operators without financials can seek lenders that offer no financials credit through brokers.
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New set-ups that do not have full financials and/or do not meet lender criteria can seek low doc and no doc options through brokers and special lenders.
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The interest rates are different for Leasing and Chattel Mortgage and CHP. The rates may also be different when the lender assesses each application. Lenders will usually show their lowest rate to use as a guide.
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The tax benefits vary with credit products. Lease repayments are deductible. Chattel Mortgage and CHP repayments are not deductible except for the interest portion. These two products deliver a deduction through the depreciation of the vehicle.
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Both Leasing and Chattel Mortgage are widely used and very effective vehicle funding facilities. The decision as to which is best is based on the suitability of each to the accounting methods and approach taken by the entity.
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Yes. An ABN is the minimum requirement to be eligible for commercial credit.
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Vehicles used for work purposes may be purchased with the choice of Commercial Hire Purchase, Leasing or Chattel Mortgage.