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Finance Ezi | Australian Finance Brokers

Business Finance



Finance Ezi's 5.54% Rate for Car Loan & Finance

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Business Car Finance Made EZI

For over 10 years, Finance Ezi has been a leading business car loan provider in Australia, making financing vehicles for businesses quick and easy. Whether you’re seeking finance for a new or used car, van, ute, truck or any vehicle for business use, we can help. Our finance specialists work diligently to get fast approvals on your business car loans with competitive interest rates starting from as low as 5.54%.

Before you choose a car, take advantage of our obligation-free pre-approval service to know exactly how much you can spend. With flexible repayment options tailored to your business budget and financial situation, “We make Finance Ezi”.

If you’re a small business needing a single vehicle or a big corporation wanting to expand your fleet, we can assist in making your car financing journey easy and stress-free.

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A Chattel Mortgage is the most common loan type for businesses looking to purchase movable personal property, such as a new or used vehicle. As the borrower, you take ownership of the asset at the outset, which secures the loan the same way as a secured car loan. This arrangement, known as security agreements, allows the lender to take possession of the chattel mortgage if needed. Businesses use chattel mortgages because they offer flexibility with 1-7 year loan terms and the asset can be used as a taxable offset.


Another flexible option is Hire Purchase or Commercial Hire Purchase. This involves ‘hiring’ an asset with the intent to purchase it by the end of the loan term. During the loan term, the lender owns the asset, providing different tax offsets since it’s not an asset owned by the business. Commonly known as an instalment plan, you make an initial down payment and the ownership is not officially transferred until you pay off the balance plus interest.


Low Doc, No Doc, Self Dec, or Lite Doc loans are ideal for borrowers who wish to apply without the need for extensive financial documentation. This low documentation or no-documentation loan relies on the assessment of your business tenure, you as the borrower, guarantor’s financial position, and the asset being purchased. It’s perfect for businesses with little or no ‘provable’ servicing, i.e., capability to prove their ability to repay through profit and loss statement, business activity statement, or sales/revenue passing through business books.


At Finance Ezi, we offer a Find & Finance service where we’ll find your next business vehicle or fleet and handle the finance. We strive to provide a finance solution that suits your business, negotiating the purchase price on your behalf to get you the best business car laon—whether for new or used vehicles. Our tailored business car finance meets your business needs and our car finance for business purposes comes with flexible 1-7 year loan terms—all at no cost to you.




At Finance Ezi, we understand that every business has unique needs. That’s why we offer flexible loan structures that let you customise your business loan to fit your specific requirements. Whether you prefer a low-rate variable loan or a low-rate fixed loan, we have options to suit. We even provide an option to add a balloon payment for added flexibility.


Our application process couldn’t be easier. It takes less than 30 seconds to complete our online form, whether you’re after a full loan or a quick quote. We aim to avoid paperwork delays and keep you updated throughout the process, ensuring a smooth and hassle-free experience.


We know time is of the essence in business. That’s why we strive to respond within 24 hours to loan applications. Our fast loan approval process ensures your equipment finance or business vehicle finance needs are met promptly. Plus, our clear loan repayments structure makes managing monthly repayments for business car loans simple and straightforward.


Whether you need finance for cars, vans, utes, trucks, trailers, agricultural equipment, construction and access equipment, or other types of equipment, we’ve got you covered. Our broad range of finance options ensures we can meet your diverse business needs.


At Finance Ezi, we believe in transparency and competitiveness. Our business car finance options come with clear pricing and competitive interest rates, ensuring you get the best possible deal for your business use with rates from 5.54%.


To help you preserve your cash flow, we offer finance options with no deposit required. Plus, with no monthly fees and fixed interest rates and regular repayments, you can plan your finances with certainty. At Finance Ezi, we put your business needs at the forefront of what we do.

Apply today and experience the benefits of business car loans with Finance EZI.



Use our business car repayment calculator to calculate your borrowing capacity and estimate your loan repayments for your vehicle purchase. The provided rates serve as a guide, helping you understand the potential costs of business car loans. Keep in mind that the final interest rate on your business vehicle loan is influenced by various factors such as your credit rating, loan duration, and the specific vehicle itself.

If you need further assistance or have any queries, don’t hesitate to reach out to our specialists or give us a call at 1300 003 003. We’re here to help guide you through the process.

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How long can my loan term be?

At Finance Ezi, we offer business car loan terms that range from 1 to 7 years. The length of your term depends on the repayment amount you can comfortably handle and the lifespan of the asset you’re financing. If you’re purchasing a used vehicle, the term might be shorter based on the vehicle’s age.

How do chattel mortgages differ from hire purchases?

While chattel mortgages and hire purchases share similarities, they differ in terms of ownership. Under a chattel mortgage, you, the purchaser, become the owner. On the other hand, under a finance lease or hire purchase agreement, the bank or lender retains ownership.

Can I secure a business car loan with a poor credit history?

While a poor credit history could reduce your chances of securing a business car loan, it doesn’t necessarily disqualify you altogether. Speak with one of our business lending specialists at Finance Ezi to explore how we can assist you in obtaining a business car loan.

Is a deposit mandatory for a chattel mortgage or hire purchase?

No, a deposit is not required. You have the option to borrow 100% of the vehicle’s value.

How do I apply for a business car loan with Finance Ezi?

Applying for a business car loan with Finance Ezi is quick and easy. You can complete our online form in less than 30 seconds for either a full loan or a quick quote. Alternatively, you can give us a call at 1300 003 003 to speak with one of our finance specialists.

What makes Finance Ezi different from other business car loan providers?

Finance Ezi is all about making things easy for you – quick applications, flexible loans, speedy approvals, a wide range of finance options for different vehicles and equipment, competitive rates starting from as low as 5.54%, and exceptional customer service tailored to businesses’ unique needs.

Is it better to lease or finance a vehicle for business purposes?

The decision to lease or finance a vehicle depends on your business needs, financial situation, and long-term plans. Leasing can offer lower monthly payments and the flexibility to upgrade vehicles more frequently, while financing with the intention of ownership might be more cost-effective in the long run.

What is a balloon payment?

A balloon payment is a large, lump sum payment due at the end of a loan, after all regular monthly repayments have been made. Loans structured with a balloon payment typically have lower monthly payments throughout the loan, but result in a larger sum due at the end. This setup can make the loan more manageable on a month-to-month basis but requires planning for the final payment. 

While a balloon payment can lower your monthly repayments, it generally increases the total amount of interest paid over the life of the loan compared to a loan without a balloon payment. Without a balloon payment, your monthly repayments would be higher, but you would pay less interest overall and would not have a large sum to pay at the end of the loan term.

What is the difference between a secured and an unsecured loan?

A secured car loan requires you to use your new vehicle as collateral. This means if you fail to make your monthly repayments on your b business car loan, the lender has the right to repossess your vehicle to recover the loan amount. 

On the other hand, an unsecured business car loan does not require any collateral. However, unsecured loans often come with higher interest rates due to the increased risk to the lender. The choice between a secured and unsecured business car loan depends on your individual circumstances, including your financial situation and risk tolerance.

What types of business vehicle finance are available?

At Finance Ezi, we offer a variety of business vehicle finance options to suit different needs and circumstances. These include:

Chattel Mortgage: Ideal for businesses looking to purchase movable personal property like vehicles. You take ownership of the asset from the start, and it secures the loan.

Hire Purchase: This option involves hiring an asset with the intent to purchase it at the end of the loan term. The lender owns the asset during the loan term, offering different tax benefits.

Low Doc Loan: Suitable for businesses that may not have extensive financial documentation. It’s based on an assessment of your business tenure, financial position, and the asset being purchased.

Find & Finance Service: We find and finance your next business vehicle or fleet, negotiating the purchase price on your behalf.

Each option offers its unique benefits and can be tailored to meet the specific needs of your business, whether it’s a single vehicle or an entire fleet.

Is a business vehicle loan tax deductible?

Yes, business vehicle loans can offer tax benefits, but the specifics depend on the type of finance you choose and your business circumstances.

Chattel Mortgage: The interest on the loan payments and the depreciation of the vehicle can be tax-deductible. Additionally, if you’re registered for GST, you may be able to claim the GST on the vehicle purchase price.

Hire Purchase: As the vehicle is considered an asset of the lender during the loan term, you may be able to claim tax deductions on the interest and the depreciation of the vehicle.

Low Doc Loan: Tax deductions are typically available on the interest of the loan payments and the depreciation of the vehicle.

It’s important to get your own independent tax advice from a financial advisor or accountant to understand how these tax deductions apply to your specific business car loan and to ensure compliance with tax laws

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what our Clients say…

I have been a client of Finance Ezi for close to seven years and my dealings with Ryan since his appointment as Finance Manager have been excellent. His foresight to look outside the box and therefore the big picture has been a blessing. Ryan’s processing of paperwork is impeccable and in my circumstances, like most applicants, there is always something different with every application. Therefore, I have great respect for Ryan and will continue to utilise his knowledge and experience.

Peter Jones

Partnering with Finance Ezi is the direct bridge to your business’ overall financial success. With access to domestic and global funds, you can be confident that your business will receive the ultimate finance deals to optimise your customer relations and profits.

Frank Smith

We have had the easiest approval and helpful service from you. You are a credit to the company and we are extremely happy with the outcome. We are looking forward to getting the boat on the water and have booked our boat license. We would not only recommend you to our friends/family but will definitely return for future finance. Thank you so much.

Fiona Carroll


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