Personal & General Vehicle Finance — Australia
This broad page focuses on personal cars and general vehicles. Businesses seeking utes or vans should use Commercial Vehicle Finance; heavy road-transport operators should use Truck Finance.
What You Can Explore
Explore the types of assets and commercial requirements that may be discussed with an independent finance professional.
Cars & Personal Vehicles
- New car finance
- Used car finance
- Luxury & performance vehicles
- Electric & hybrid vehicles
Commercial Vehicles
- Utes & light commercials
- Vans & delivery vehicles
- Cab chassis & tippers
- Passenger & people movers
Fleet Finance
- Fleet novated leasing
- Operating lease
- Chattel mortgage
- Fleet management finance
Motorcycles & Leisure
- Motorcycles & scooters
- Caravans & motorhomes
- Boats & marine
- ATVs & recreational vehicles
Finance Structures
- Novated lease (salary packaging)
- Chattel mortgage
- Finance lease
- Commercial hire purchase
Vehicle Finance Options in Australia
This page covers personal cars, motorcycles, caravans and other general vehicle-finance enquiries. Utes, vans and light-commercial fleets have a dedicated Commercial Vehicle Finance page, while prime movers, heavy rigid trucks, trailers and transport fleets have a dedicated Truck Finance page.
Vehicle finance can take several forms with different ownership, repayment and end-of-term features. A secured or unsecured car loan may be considered for a personal vehicle, while eligible employees may ask a salary-packaging provider about a novated lease. Business structures and any tax or accounting treatment should be confirmed with the appropriate professional.
Asset Connect Australia can refer you to an appropriately qualified or licensed vehicle finance professional. They independently assess your circumstances and explain provider rates, structures and criteria; no competitive term or outcome is guaranteed.
Key Points
- Eligible employees may be able to package some vehicle costs under a novated lease; individual tax outcomes vary
- Businesses may compare chattel mortgage, finance lease and other structures with independent professionals
- Provider criteria differ for new, used, dealer and private-sale vehicles
The Benefits of Getting Referred
Any Make, Any Model
Providers may consider new, used, local or imported vehicles, subject to vehicle, applicant and provider criteria. Make, model and age restrictions can apply.
Provider Options
An independent vehicle finance professional may discuss options from providers they work with. Rates, fees and terms vary and no outcome is guaranteed.
New and Used Vehicles
Providers may consider brand-new dealer purchases and quality used or private-sale vehicles, subject to their criteria and valuation requirements.
Indicative Decisions
Some providers may offer an indicative decision before you choose a vehicle. It is not a guarantee of approval, amount, pricing or settlement.
Flexible Loan Terms
Loan terms vary by provider, vehicle and applicant. Longer terms can reduce regular repayments but may increase total interest; ask the relevant professional to explain the provider terms.
Salary Packaging Options
For eligible employees, a novated lease may bundle vehicle costs into salary packaging. Tax outcomes depend on current rules and circumstances; consult your accountant or tax adviser.
Who Is This For?
A Clear Connection Process
Submit Your Enquiry
Fill in our simple online form — tell us what you're looking for and we'll use your enquiry to identify a relevant connection.
A Specialist Reviews Your Enquiry
We can connect you with an appropriately qualified or licensed finance professional. They independently assess your circumstances and explain available provider options.
Discuss Your Options
The relevant professional discusses products, pricing, eligibility and next steps with you. You decide whether to proceed, subject to the provider’s terms.
Decide Directly
You discuss the available options directly with that independent professional or provider. Asset Connect Australia does not determine eligibility, rates, terms, approval or suitability.
Frequently Asked Questions
Available Australia Wide
Our connection service is available across every state and territory. We can introduce you to an independent professional whose experience is relevant to your market and situation.
New South Wales
Sydney, Newcastle, Wollongong, Central Coast
Victoria
Melbourne, Geelong, Ballarat, Bendigo
Queensland
Brisbane, Gold Coast, Sunshine Coast, Townsville
Western Australia
Perth, Fremantle, Mandurah, Bunbury
South Australia
Adelaide, Mount Gambier, Whyalla, Victor Harbor
Tasmania
Hobart, Launceston, Devonport, Burnie
Australian Capital Territory
Canberra, Queanbeyan, Belconnen
Northern Territory
Darwin, Alice Springs, Katherine, Palmerston
Ready to Get Started?
Fill in your details below and our team will review your enquiry. If appropriate, your details may be shared with an independent professional who will contact you about available options. Timing, eligibility and any costs depend on that professional and provider.