Asset finance allows you to purchase vehicles, equipment, or machinery by spreading the cost over time instead of paying upfront.

Rates vary based on: Credit score, Asset type & age, Loan structure, Personal vs business application.

We’ll shop lenders to get you the best option.

Approvals can often be provided the same day. Once all required documents are submitted, full approval is typically received within 24–48 hours.

Typically:

- Driver’s licence

- Payslips or bank statements

- ABN details (if business)

We keep it simple and only ask for what’s needed.

Not always. Some clients qualify for no-deposit finance, while others may benefit from putting money down to reduce repayments.

To be eligible for finance, you need to have a regular source of income. This could be a wage, self-employed income, pension, or investment income. If you're currently unemployed with no income source, unfortunately we won't be able to assist at this time.

If you've had a default, bankruptcy, or Part IX debt agreement in the past, we may still be able to help depending on the circumstances. However, if you have multiple current unpaid defaults or are currently in bankruptcy, it's unlikely we'll be able to find a suitable lender for you at this time.

In short: Yes. Most lenders have age limits on vehicles. If the car is very old or very low value, finance may not be available. Chat with us first before you commit to a purchase.

Yes — as long as you're in a full-time permanent role, some of our lenders can help from day one. If you're still casual or on a contract, you'll generally need at least 2 months in the role.