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Helping Melbourne businesses secure affordable auto loans for commercial vehicles

Business Car Loans – $0 Upfront Deposit

Competitive Car Finance, Faster Approvals, Flexible Terms, Expert Support

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Our 5-Star Google & Facebook Ratings reflect clients’ satisfaction, positioning us among Melbourne’s most trusted mortgage brokers!

VOXFIN’s Simplified Business Car Loans at the Lowest Interest Rates

Low Doc Business Car/Commercial Vehicle Loans

Even if you don’t have all your documents ready for a full doc loan, we offer low doc options.

$0 Deposit Car Loans

Preserve your capital for key business needs, enjoy fixed interest rates & repayments without monthly fees.

Flexible Loan Structure

Tailored Repayment Options: Company car finance brokers at VOXFIN work with you to structure your car loan and repayments according to your business’s unique requirements.

No Extra Asset
for Security

Efficient Financing: We can establish a finance limit for your business, allowing you to purchase multiple vehicles without the hassle of multiple finance applications.

Go Green and save up to 1% p.a. on your interest rate

Get discounts for a wide range of green cars, efficient vehicles and equipment finance.

VOXFIN has helped hundreds of Australian businesses secure competitive car loans with a streamlined process and access to 40+ specialist lenders. Our clients rate us 5-stars for fast approvals, transparent process, genuine guidance, and solutions that actually work for their cash flow. No confusing jargon, no upfront fees.

Need a reliable vehicle to keep your business moving? Whether you are a tradie looking to finance a work ute, a delivery service to expand your fleet, or a director looking for another company car, we have got you covered at VOXFIN. With us, you can get a reliable vehicle to keep your business moving – sooner.

  • We simplify business car finance.
  • We work with 40+ specialist lenders across Australia to find you the right loan with competitive rates and terms.
  • From sole traders to established companies, we help Australian businesses secure the vehicles they need to grow.

No hidden fees & charges, no pile of paperwork. Get straightforward finance solutions tailored to your business needs!

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Business car finance specialists assisting Australian companies with truck and fleet financing

Broad Range of Finance Options

Running a business in Australia means you need reliable transport, but car finance options can often confuse you. Between comparing lenders, understanding rates, and managing paperwork, it is easy to get overwhelmed. That’s where VOXFIN steps in.

Whether you need a single work vehicle or want to expand your commercial fleet, we are your business car loan specialists who take the complexity out of vehicle finance.

At VOXFIN, we offer a wide range of finance options for a variety of vehicles and equipment catering to diverse business needs as below:

Company Car Loans

Business Vehicle Finance
Ute Finance
Financing Vans
Corporate Vehicle Loans
Commercial Vehicle loans
Fleet Leasing solutions

Want to explore your loan options?

Speak with our business auto loan specialist today!

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VOXFIN Has a Loan for Every Vehicle Type

Grab the opportunity with us to get business vehicle finance – both new and used vehicles and equipment, such as cars, utes, and delivery vans, with no upfront deposit required (T&C apply).

At VOXFIN, our specialist company car loan brokers will make your business vehicle financing seamless with minimum documentation. Our corporate vehicle loan brokers have been helping Australian businesses and corporations acquire commercial vehicle finance with the lowest company car loan interest rate.

Business vehicle finance brokers at VOXFIN simplify commercial vehicle finance in Australia. Our company car finance brokers will guide you on business car loans, ensuring you get tailored solutions with the lowest interest rate.

Has your bank said no? Whether it is due to a bad credit score, impaired credit, or defaults, we have a business car loan solution for every complex situation. We work with a large lender panel to bring in the best vehicle financing options for sole traders and companies alike, all over Australia.

Making the Right Choice for Your Business Vehicle

Is now the right time? Consider your cash flow, current interest rates, and whether a new vehicle will genuinely increase your capacity to earn. Timing your purchase well makes all the difference. It can save thousands.

Understanding Your Finance Options

Chattel Mortgage

Own the vehicle from day one with tax-deductible interest and upfront GST claims

Commercial Hire Purchase

Spread costs with flexible payments and gain ownership at the end

Finance Lease

Keep your options open with fully tax-deductible payments and the ability to upgrade

Business Loan

Simple ownership structure with depreciation benefits

Key Considerations

Budget – insurance, fuel, and maintenance

The right vehicle type for your operations
How the finance structure fits your tax position

Expert Guidance When You Need it

With over a decade of experience helping Melbourne businesses secure vehicle finance, we will match you with the right lender and structure for your needs.

No Upfront Fees, No Confusing Jargon

We are paid on settlement, which means our focus is on getting you the best deal – not pushing products that don’t suit your business. Clear advice, competitive rates, and support from application to approval.

Risk & Legal Requirements

Tax Implications: We work alongside your accountant to understand the factors like how much it will cost your business to finance a vehicle, your position to claim tax allowances, and exemptions in regard to vehicle costs.

Future Needs: The selection of the the right vehicle depends on your business expansion strategy. We recommend you choose a platform that will allow your business to thrive.

Professional Guidance: VOXFIN’s expert car loan brokers do the hand-holding, so you make the right business vehicle loan choice.

Commercial car loan brokers assisting businesses with vehicle finance and fleet upgrades

For Business car loans, you are choosing VOXFIN for:

  • Fast approvals
  • Low-rate business vehicle loans
  • Solutions for all types of business vehicle financial needs
  • The best corporate vehicle loan broker in Australia will guide you throughout the loan process
  • Our clients’ high satisfaction ratings made us Australia’s best home loan mortgage broker
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Ready to finance your business vehicle?

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Frequently Asked Questions (FAQs)

Questions and queries related to Business Car Loans

HOW DO I APPLY FOR A BUSINESS CAR LOAN?

Applying for a business car loan, business auto loan application process, commercial vehicle finance application 

To apply for a business car loan, follow these steps:

  1. Determine the type of vehicle you need.
  2. Gather necessary documentation, including financial statements, business plans, and identification.
  3. Submit an application to a lender, specifying the type of finance and terms you prefer.
  4. Await approval, during which the lender will assess your business’s creditworthiness and financial stability.
WHAT IS A BUSINESS CAR LOAN?

Business car loan, commercial vehicle finance, business auto loans 

A business car loan is a type of finance designed specifically for purchasing vehicles for business use. This can include cars, vans, Ute, trucks, and other commercial vehicles. Businesses can either buy or lease the vehicles, and the loan terms are typically structured to suit the business’s cash flow and financial needs.

WHY SHOULD A BUSINESS CONSIDER A CAR LOAN?

Benefits of business car loans, business vehicle finance advantages, commercial vehicle financing

Businesses should consider a car loan to:

  1. Preserve working capital by spreading the cost of the vehicle over time.
  2. Access new or used vehicles needed for operations without large upfront costs.
  3. Benefit from potential tax advantages associated with vehicle financing.
  4. Enhance business operations with reliable transportation solutions.
WHAT TYPES OF BUSINESS CAR LOANS ARE AVAILABLE?

Types of business car loans, commercial vehicle loan options, business auto finance 

The main types of business car loans include:

  1. Chattel Mortgage: A loan secured by the vehicle, where the business owns the vehicle from the outset.
  2. Finance Lease: The lender purchases the vehicle and leases it to the business.
  3. Operating Lease: Renting the vehicle for a fixed period without ownership at the end.
  4. Commercial Hire Purchase: The business hires and then purchases the vehicle at the end of the term.
How long does it take to get approved for a business car loan?

Most applications are assessed within 24-48 hours, with conditional approval often on the same day. Once approved, settlement typically takes 3-5 business days.

Do I need a deposit for a business car loan?
Not necessarily. Many lenders offer 100% finance, though a 10-20% deposit can secure better rates and lower repayments.
Can I claim tax deductions on a business car loan?
Yes. You can claim interest payments, depreciate the vehicle, and claim GST on the purchase (only if registered). We strongly recommend you first consult with your accountant to maximise your specific tax benefits.
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WHAT ARE THE BENEFITS OF BUSINESS CAR LOANS?

Benefits of business car loans, advantages of commercial vehicle finance, business vehicle financing benefits 

The benefits of business car loans include:

  1. Preserving working capital and improving cash flow.
  2. Accessing new or used vehicles needed for business operations.
  3. Potential tax advantages.
  4. Flexible repayment options tailored to business needs.
  5. Enhancing business operations with reliable transportation.
HOW ARE INTEREST RATES DETERMINED FOR BUSINESS CAR LOANS?

Business car loan interest rates, commercial vehicle finance rates, business auto loan costs 

Interest rates for business car loans are determined by:

  1. The lender’s assessment of your business’s credit risk.
  2. The type and value of the vehicle being financed.
  3. The term of the finance agreement.
  4. Current market interest rates.
  5. Your business’s financial health and history.
CAN STARTUPS QUALIFY FOR BUSINESS CAR LOANS?

Startup business car loans, new business vehicle finance, startup commercial vehicle loans 

Startups can qualify for business car loans, although they might face more stringent criteria. Lenders may require:

  1. A solid business plan.
  2. Personal guarantees from business owners.
  3. Higher interest rates to offset the higher risk.
  4. Detailed financial projections and market analysis.
WHAT HAPPENS IF I DEFAULT ON A BUSINESS CAR LOAN?

Business car loan default, commercial vehicle finance consequences, business auto loan risks 

If you default on a business car loan, consequences may include:

  1. Repossession of the financed vehicle.
  2. Negative impact on your business credit score.
  3. Legal action by the lender to recover owed amounts.
  4. Financial strain on your business, potentially leading to insolvency.
WHAT ARE THE ELIGIBILITY CRITERIA FOR BUSINESS CAR LOANS?

Business car loan eligibility, commercial vehicle finance criteria, business auto loan requirements

Eligibility for business car loans generally depends on:

  1. The financial health of your business.
  2. The type and value of the vehicle.
  3. Your business credit history.
  4. The ability to demonstrate repayment capacity.
  5. The length of time your business has been operating.
Can I finance a used vehicle for my business?
Absolutely. We arrange finance for both new and used vehicles, with most lenders financing vehicles up to 10-12 years old, depending on condition and model.
What is the difference between a chattel mortgage and a commercial hire purchase?
With a chattel mortgage, you own the vehicle immediately and claim GST upfront. With hire purchase, the lender owns it until the final payment, and you claim GST progressively.
Can I refinance an existing business car loan?
Yes. Refinancing can lower your interest rate, reduce repayments, or free up equity. We’ll assess if it makes financial sense for your situation.
What documents do I need to apply?
Typically, your ABN/ACN, recent financials or tax returns (last 2 years), proof of ID, and vehicle details. We will guide you through what’s needed for your specific situation.

Why choose us?

We understand the importance of earning your trust in the guidance provided by the expert business car loan broker at VOXFIN. We can assist you with all types of business car loans as well as all other financial lending needs, such as home loans, refinancing home loans, car loans, commercial loans, and insurance. 

Additionally, we can assist with organising financing to start or grow your business and fund your assets.

About Us

VOXFIN’s expert business car loan brokers are here to assist you with all types of financial needs. We simplify the loan process and provide the right information and guidance so you can make sound investment decisions.

We assist Australians throughout the nation. We work with over 40+ lenders in Australia to bring you the best loan option with the lowest interest rate.

About Us

Australians have trusted us as expert home loan mortgage brokers for all types of their loans and mortgage needs such as first home buyer loans, refinancing home loans, agribusiness loans, business loan brokers, commercial loan brokers, car loan brokers, asset and equipment finance brokers, SMSF property loans, property development finance brokers, business car loan brokers, bad credit score lenders, medical professionals’ loans, personal loan brokers, and many more to help them find the suitable loans to finance their property dreams.

About Us

Get a Free Consultation

info@voxfin.com.au

03 70652000|0435 393 623

We simplify your vehicle finance for businesses.

Expert company car finance brokers will provide tailored business car finance options with the lowest car loan interest rate and minimum documentation. We work hard for you with honesty, transparency and genuineness so that we can build a long-lasting professional relationship.

 

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    What Our Customers Say

    Gurdeep Kumar at VOXFIN is a great professional and has deep financial knowledge. He helped me purchase my property under an SMSF. Gurdeep is an expert in SMSF property loans. As an investor, I know SMSF property loans are a lengthy process. From start to settlement, the process was well-informed. Highly recommend Gurdeep Kumar and it’s team at VOXFIN.

    - Ketan Patel

    Thanks to Gurdeep, He is an extra ordinary knowledgeable person with complete grip on ongoing market situations. I sought help from him and he has gone an extra mile.
    Highly recommended.

    - Haris Khan

    VOXFIN is awesome! Gurdeep is super helpful and knows his stuff. He made the whole process simple and guided me step-by-step with great advice. He got me the lowest rate for my land and construction home in Brisbane. Highly recommend Gurdeep and VOXFIN for home loans and financial needs

    - Maria Thomas

    VOXFIN is the best! Gurdeep is friendly, knowledgeable, and made everything easy to understand. He got us an amazing rate for our land and construction home in Brisbane. Couldn’t have done it without him! Five stars all the way!

    - Shino Varghese
    Gurdeep at VOXFIN is fantastic! He helped me get a personal loan with the lowest interest rate, making the process smooth and stress-free. Gurdeep is quick, efficient, and highly professional. Highly recommend VOXFIN for personal loans in Melbourne!
    - Aditya Mushnuri

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