Business
Car Finance
We work tirelessly to get you the best rates & repayments for your business needs.
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Business car finance
Choosing the right business car finance can make a significant difference to your cash flow, tax planning and day-to-day operations. At 360 Finance, we help businesses secure tailored business vehicle financing that supports growth, smooth budgeting and long-term planning. Whether you are replacing a worn-out work vehicle, purchasing your first commercial car or upgrading a fleet, we compare options from more than sixty trusted lenders to find a structure that suits your needs.
Since 2007, we have assisted thousands of Australian businesses in accessing competitive business vehicle loans by explaining the differences between a chattel mortgage, hire purchase, finance lease and low doc business vehicle loan options. We break down each structure clearly so you can understand how ownership, tax treatment and repayment terms work in practice. If you would like to test repayments before applying, you can use our finance calculator to explore various loan terms and scenarios.
Whether you are comparing car loans for business or seeking faster approvals for expanding operations, we aim to make the process straightforward from enquiry to settlement. With access to major banks, commercial lenders and specialist providers, our team helps you secure business car finance that aligns with your budget and long-term goals.
Why Choose 360 Finance
We provide tailored guidance from the moment you enquire, explaining each structure in accessible, practical terms so you understand what lenders need and how repayments are arranged. Our strong network of banks and commercial lenders allows us to compare competitive rates quickly and secure approvals within tight timelines. We also consider cash flow, tax planning and future upgrades so your car finance for business stays aligned with long-term goals rather than becoming a short-term fix.
At 360 Finance, we offer:
For life and leisure, business or personal, we've got you covered in every situation
Low total cost of loan and low repayments- No deposit loans
- Private, dealer, new, and used cars
- Balloon repayments to lower repayments
Business car finance options
Chattel Mortgage
A chattel mortgage is one of the most common forms of commercial car loan Australia because it gives your business...
A chattel mortgage is one of the most common forms of commercial car loan Australia because it gives your business ownership of the vehicle from settlement. The lender takes a registered interest over the asset while repayments are made. This structure may offer tax advantages depending on your accounting approach, including potential claims on GST, depreciation and interest charges. With flexible terms, predictable repayments and optional residuals, a chattel mortgage suits businesses wanting ownership while maintaining clear cash flow management.
Hire Purchase
A hire purchase allows your business to use the vehicle immediately while making regular repayments, with ownership...
A hire purchase allows your business to use the vehicle immediately while making regular repayments, with ownership transferring to you at the end of the term. During the agreement, the lender owns the asset, and the tax treatment differs from ownership-based structures. This option suits businesses looking for structured repayments without committing to the full purchase upfront, particularly if predictable costs and straightforward accounting treatment are priorities.
Finance Lease
A finance lease works similarly to hire purchase but includes a regulated final payment based on the contract length...
A finance lease works similarly to hire purchase but includes a regulated final payment based on the contract length. The lender owns the vehicle for the duration of the lease, and your business pays for its use. This structure suits businesses that prefer stable monthly costs or plan to upgrade vehicles regularly. At the end of the term, you may have options to purchase, refinance or upgrade the vehicle, depending on the lender’s conditions.
Low Doc Loan
A low doc business vehicle loan is designed for businesses without full financial documentation...
A low doc business vehicle loan is designed for businesses without full financial documentation. Approval relies on factors such as business tenure, trading stability and the vehicle being purchased rather than traditional financial statements. This structure is suited to start-ups, sole traders, seasonal operators and businesses with limited provable income. It provides access to business car finance even when paperwork is minimal, allowing operators to move forward with essential vehicles sooner.
Find & Finance
Our Find and Finance service helps you source your next business vehicle through our national network of over...
Our Find and Finance service helps you source your next business vehicle through our national network of over 180 dealerships. We locate suitable options, compare pricing and negotiate on your behalf at no additional cost. Once you choose a vehicle, we arrange business vehicle finance that matches your preferred loan structure and operational needs, making it easier to secure the right car, van or fleet without the usual stress.
Competitive
We have access to some of the lowest industry car loan rates allowing us to be highly competitive and find your best rate finance.
Easy
We do the running around for you in comparing car loan options and rates from over 60 lenders.
Fast Approvals
We work hard to get your car loan approved fast. Same day approvals are available - ask us how!
Flexible Terms
We find and compare car loan options to find what best suits your needs and budget with flexible 1-7 year terms available.
Car Loan Frequently Asked Questions
What types of business car finance options are available?
Businesses can access asset purchase loans, hire purchase agreements, finance leases and low doc loans. Each option suits different needs depending on ownership, tax treatment and repayment style. You can find a detailed breakdown in Everything you need to know about business car loans. We help you compare options so you can choose the structure that suits your business vehicle financing needs best.
How does an asset purchase loan work for buying a business vehicle?
An asset purchase loan gives you ownership of the vehicle from the start while the lender takes a registered interest over it. Eligible businesses may claim GST, depreciation and interest payments. Repayments can be structured to suit cash flow. This is one of the most common forms of car loans for business due to its flexibility and tax benefits.
What is a low doc vehicle loan and who is it suited for?
A low doc loan suits businesses without full financial documents. Approval is based on how long your business has been running, your financial profile and the vehicle you are purchasing. This option provides access to business vehicle loans even if your financials are limited.
Can I finance a fleet of vehicles?
Yes. Fleet business car loans allow you to finance multiple vehicles under one structure. This can simplify repayments and support business growth. Our Find and Finance team can source the vehicles and organise the finance for your fleet.
What tax benefits come with business car finance?
Depending on your structure, you may be able to claim GST, depreciation or interest charges. Asset purchase loans offer the widest tax benefits, while leasing may allow deductible repayments. Your accountant can advise based on your situation, and we explain how each car finance for business option works.
What are the loan terms and repayment options?
Most loans run from one to seven years. You may be able to choose a final payment amount to keep repayments lower. Comparing multiple lenders helps you find the term that suits your cash flow.
Do I need a deposit?
Many lenders offer business car loans with no deposit required. Whether you need one depends on your financial profile and the vehicle price.
How fast can I get approved?
Most applications receive conditional approval on the same day. Straightforward applications can be approved within hours.
What happens if I sell or upgrade the vehicle before the loan ends?
If you have an asset purchase loan or hire purchase, the loan must be finalised before you sell the vehicle. Lease structures work differently since the lender owns the vehicle. We explain which vehicle financing for business options offers the flexibility you need.
How do I choose the right business car finance?
It depends on your cash flow, tax planning and how your business uses vehicles. Asset purchase loans suit those wanting ownership. Leasing suits businesses that update vehicles often. Low doc loans suit newer businesses. We compare options from more than 60 lenders to help you make the right choice.
We Work with the Most Trusted Aussie Lenders
Our lender network allows us to secure the best rates for you, every time.
Living Life Upgraded
"Living life upgraded. Second purchase with 360 Finance!"
Repeat customers are our greatest compliment. When customers choose us again and again, it confirms that we're delivering on our promise of exceptional service, competitive rates, and genuine care for your financial success.
Apply today with Australia's trusted online broker since 2007
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Kept in Contact Throughout the Whole Experience
"I would like to thank Kyle for his patience and time in getting me my car - Which I love! He kept in contact throughout the whole experience."
Patience and communication are the cornerstones of our service. We understand that buying a vehicle is a significant decision, and we're here to guide you through every step with regular updates and dedicated support.
Apply today with Australia's trusted online broker since 2007