Vehicle Finance
Get the vehicles your business needs without tying up your cash. Loans and leases from $5,000 to $500,000 with terms up to 7 years.
$5k – $500k
Finance range
Up to 7 years
Loan or lease terms
New & used
All vehicle types
4–48 hrs
Typical approval
Keep cash in the business, not parked in the driveway
Even if you have the cash to buy outright, financing your business vehicles means you can preserve working capital for the things that grow your business — stock, staff, marketing, or that next opportunity.
CFI offers flexible vehicle finance including loans (chattel mortgage) and leases — so you can choose the structure that best suits your business and tax situation.
What can you finance?
From a single work ute to a fleet of delivery vans — we finance all types of business vehicles.
Cars & sedans
Business cars, company vehicles, and passenger vehicles for your team.
Vans & light commercial
Delivery vans, service vehicles, and light commercial vehicles.
Utes & 4WDs
Work utes, dual cabs, and 4WDs for trades, agriculture, and fieldwork.
Trucks & heavy vehicles
Rigid trucks, prime movers, trailers, and specialist heavy vehicles.
Choose your structure
We offer flexible vehicle finance structures to suit your business and tax situation.
Loan (Chattel Mortgage)
You own the vehicle from day one. Fixed repayments over your chosen term with the flexibility to structure balloon payments if needed.
- Own the vehicle from the start
- Claim GST upfront on the purchase
- Optional balloon payment to reduce monthly costs
Lease
We own the vehicle during the term. At the end, you can buy it for a residual amount, return it, or upgrade to a newer model.
- Lower monthly payments than a loan
- Upgrade to a newer vehicle at end of term
- Potential tax benefits on lease payments
How it works
Choose your vehicle
Find the vehicle you need from any dealer or private seller.
Apply online
Complete our simple application — it only takes about 10 minutes.
Get on the road
Once approved, we pay the dealer or seller directly and you're driving.
What you'll need
Australian Business Number (ABN)
A quote or invoice from the dealer or seller
An Australian resident or permanent visa holder
Basic financials — we'll guide you through what's needed
Not sure what you need? Talk to us and we'll help you work it out.
Why finance your vehicle?
Preserve cash flow
Spread the cost over time instead of paying upfront — keep cash in the business where it counts.
New and used vehicles
We finance new and used vehicles from dealers or private sellers. The vehicle just needs to be for business use.
Flexible structures
Choose a loan or lease that suits your business — with optional balloon payments to lower monthly costs.
Common questions
What types of vehicles can I finance?
We finance all types of business vehicles — cars, vans, utes, 4WDs, trucks, trailers, and specialist vehicles. If it's used for business purposes, we can usually help.
Do I need a deposit?
Not always. It depends on the vehicle, the amount, and your business situation. For newer vehicles with strong resale value, we can often finance the full amount. Talk to us and we'll give you a clear picture.
What's the difference between a loan and a lease?
With a loan (chattel mortgage), you own the vehicle from day one and make repayments over the term. With a lease, we own the vehicle during the term and you make lease payments — at the end, you can buy it, return it, or upgrade. Your accountant can advise which structure is better for your tax situation.
Can I finance a used vehicle?
Yes. We finance both new and used vehicles. For used vehicles, the age and condition of the vehicle may affect the terms and maximum finance period available.
How quickly can I get approved?
Most vehicle finance applications are assessed within 24–48 hours. Once approved, we can pay the dealer or seller directly so you can get on the road quickly.
Can I finance multiple vehicles at once?
Absolutely. Whether you're adding to your fleet or replacing several vehicles, we can structure a single facility to cover them all.
More questions? See our full FAQ or get in touch.
Ready to get on the road?
Apply for vehicle finance online — it takes about 10 minutes.