Car and Asset Finance in Ballarat
Whether you're buying a car for the family or equipping your business with new machinery, we'll find you a competitive deal from our panel of 40+ lenders. Better rates than the dealer, less hassle than going to the bank, and a structure that actually suits your situation.
Get a quoteAsset finance that actually suits you
Compare across 40+ lenders
We're not limited to one bank or one product. We compare car and asset finance options across our full panel to find the most competitive rate and the right structure for your situation.
Fast approvals
For straightforward applications, we can often get approval in 24–48 hours. We handle the paperwork and lender communication so you're not chasing up progress yourself.
Right structure for your tax position
For business purchases, the structure matters — chattel mortgage, lease, hire purchase, or operating lease all have different tax implications. We'll explain the options so you can choose with confidence.
Better than the dealer
Dealer finance is convenient, but it's usually limited and often more expensive. We compare across a wider market and work for you, not the dealership. In most cases, we can beat what you've been offered.
We handle both — here's how they differ
Personal asset finance
- New and used cars, motorcycles, caravans, boats
- Fixed-rate loans with predictable repayments
- Secured (against the asset) or unsecured options
- Flexible terms from 1 to 7 years
- No tax deductions available on personal purchases
- Quick and straightforward approval process
Business asset finance
- Vehicles, equipment, machinery, tools, fit-outs, technology
- Chattel mortgage, finance lease, hire purchase, or operating lease
- Interest and depreciation may be tax deductible
- GST claims available on chattel mortgage purchases
- Balloon/residual payment options to keep repayments lower
- Structures tailored to your cash flow and tax position
Four steps to clarity
Here's how working with us actually works — no surprises, no runaround.
Quick Chat
Tell us what you're looking to finance — car, equipment, machinery — and whether it's personal or business. We'll explain your options in plain English.
Compare Options
We compare rates and structures across our lender panel to find the best deal for your situation. Fixed or variable, secured or unsecured — we'll find what fits.
Application
We handle the paperwork and submit your application. For straightforward deals, approval can come through in as little as 24–48 hours.
Settlement
Once approved, we coordinate settlement so you can take delivery of your vehicle or asset as quickly as possible.
Frequently asked questions
Can I get finance for a used car or is it only new vehicles?
You can finance both new and used vehicles. Most lenders will finance used cars up to a certain age (typically 10–12 years old at the end of the loan term). Rates may differ slightly between new and used, but there are competitive options for both.
What is a chattel mortgage?
A chattel mortgage is a type of business finance where the lender takes a mortgage over the asset (such as a car or piece of equipment). You own the asset from day one, can claim GST on the purchase, and the interest and depreciation may be tax deductible. It's one of the most common structures for business asset purchases.
Is it better to finance through a dealer or a broker?
Dealer finance is convenient, but it's typically limited to one or two lenders — and the rate may include a margin for the dealer. A broker compares across a much wider panel and works in your interest, not the dealer's. In most cases, we can find a more competitive deal than what's offered on the showroom floor.
How quickly can I get approved?
For straightforward applications (good credit, standard employment, standard asset), approval can come through in 24–48 hours. More complex situations — such as self-employed borrowers or unusual assets — may take a few extra days. We'll give you a realistic timeline upfront.
Can I finance equipment for my business?
Absolutely. We arrange finance for a wide range of business equipment — vehicles, machinery, tools, technology, fit-outs, and more. The structure will depend on your business type and tax position, and we'll explain the options (chattel mortgage, finance lease, hire purchase, or operating lease) so you can choose the one that works best.
Need car or asset finance?
Book a consultation — we'll compare options across our panel and find the right deal for your situation.
Book a consultation