Get Your Business Vehicle Financed in 24 Hours

Access our panel of 50+ business vehicle lenders. We find the right match for your needs - even with low doc or no deposit.

Cars, vans, utes & trucks - all vehicle types covered
Low doc options for ABN holders (6+ months)
No deposit finance available
Competitive rates from major banks to specialist lenders
Expert brokers who understand business needs

🚗 Cars

🚐 Vans

🛻 Utes

🚚 Trucks

🚌 Buses

Fast Approval Process

Get Your Quote Now

Takes less than 60 seconds

Why Business Owners Choose Us

We're not just another finance broker. We're your strategic partner in business growth.

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Low Doc Solutions

Been in business for just 6 months with an ABN? No problem! Our low doc options mean less paperwork and faster approvals for established businesses.

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No Deposit Options

Preserve your working capital with 100% finance options available. Keep your cash for business operations while we handle the vehicle finance.

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24-Hour Approval

Time is money. Get conditional approval within 24 hours so you can secure your vehicle and get back to business.

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Perfect Match Guarantee

With 50+ lenders in our panel, we guarantee to find the perfect finance solution for your unique business situation.

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Flexible Terms

Choose from 12 to 84-month terms with fixed or variable rates. Structure your finance to match your cash flow.

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Expert Support

Our experienced brokers understand business. Get personalised advice and ongoing support throughout your finance journey.

Is my business eligible?

You're likely to be eligible if:

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You've been trading for at least 6–12 months

We work with lenders who understand new businesses

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You are an Australian citizen or permanent resident

Required for most finance applications

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You hold an active ABN or ACN

Essential for business vehicle finance

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You can provide a supplier/dealer quote or invoice for the vehicle

We can help arrange this if needed

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You can share business bank statements and/or financial statements

Low doc options available for simplified applications

Not sure if you qualify? No problem!

Our expert brokers work with 50+ lenders, including specialist providers who cater to unique situations. Let us find the right solution for you.

Frequently Asked Questions

Everything you need to know about business vehicle finance

Who is Splendid?

Splendid is Australia's premier business finance brokerage, leveraging cutting-edge technology and deep industry relationships to secure the best vehicle finance outcomes for businesses. With access to over 50 lenders and a team of expert brokers, we've helped thousands of Australian businesses get on the road faster with competitive rates and flexible terms. Our innovative approach combines personal service with digital efficiency, making complex finance simple.

Can I finance a used vehicle?

Yes — many lenders allow used business vehicles, typically up to 5–7 years old. Some allow older vehicles with strong credit profiles or added security.

What's the difference between a chattel mortgage and hire purchase?

They're similar — both give you eventual ownership. With a chattel mortgage, you own the vehicle upfront. With hire purchase, the lender owns it until the final repayment. Both offer tax benefits depending on your setup.

Do I need to pay a deposit?

Some vehicle loans are available at 100% finance, while others require 10%–20% upfront. We'll help you choose the best option based on your goals.

Can I buy the vehicle at the end of a lease?

Yes — in most cases, leases have a residual or balloon amount that you can pay at the end to own the vehicle. You can also choose to return or upgrade.

Will the vehicle be in my business name?

Yes — regardless of finance structure, the vehicle will be registered in your business or trading name, or jointly with you as the business owner.

Is vehicle finance tax-deductible?

Yes — but it depends on the structure. With a chattel mortgage or hire purchase, you can typically deduct interest and depreciation. With a lease, the full lease payments may be deductible. Speak with your accountant to confirm.

Can I pay off my vehicle loan early?

Yes — most lenders allow early repayment. Some offer interest savings, while others may charge a fee. We'll flag these differences upfront so there are no surprises.

Does this affect my credit score?

We do not perform credit checks. However, lenders we present your deal to may conduct soft credit checks. If you choose to proceed to an application with a particular lender, the lender will run a full check.