Asset Finance Made Simple
Cars, equipment, trucks—whatever asset you need, we find the right finance with Clarity, Comfort, and Confidence.
Compare rates from 20+ lenders. Fast approvals. Expert guidance on the best structure for your situation—whether personal or business.
Our Asset Finance Services
From personal cars to business equipment, we provide finance solutions tailored to your needs.
Car Loans
New and used car finance with competitive rates. Personal or business use, we find the right loan for your situation.
- New & used vehicles
- Personal or business use
- Flexible terms 1-7 years
- Balloon payment options
Equipment Finance
Fund your business equipment purchases with tailored finance solutions. From coffee machines to excavators.
- All equipment types
- Chattel mortgage available
- Tax-effective structures
- Preserve cash flow
Commercial Vehicles
Finance for trucks, utes, vans and fleet vehicles. Keep your business moving with the right funding.
- Trucks & heavy vehicles
- Utes & vans
- Fleet financing
- Novated lease options
Types of Asset Finance
Different finance structures suit different situations. We help you understand which option is best for you.
Consumer Car Loan
Traditional car loan for personal use. You own the vehicle from day one.
Best for:
Personal vehicle purchases
Chattel Mortgage
Business finance where you own the asset. Interest and depreciation are tax-deductible.
Best for:
GST-registered businesses
Finance Lease
Lease the asset with option to purchase at end. Payments are fully tax-deductible.
Best for:
Businesses wanting lower payments
Novated Lease
Salary packaging arrangement through your employer. Potential tax savings.
Best for:
Employees with salary packaging
Why Choose Us for Asset Finance?
Skip the dealer finance and bank queues. Get expert help finding the right finance at the right rate.
20+ Lender Panel
Access to major banks, specialist lenders, and finance companies. We find the best fit for your situation.
Competitive Rates
We compare rates across our panel to ensure you get a competitive deal, often better than dealer finance.
Fast Approval
Many applications approved same-day. Get pre-approval before you shop so you can negotiate with confidence.
Expert Guidance
Understand your options clearly. We explain the difference between loan types and help you choose wisely.
Calculate Your Repayments
Use our free calculators to estimate your repayments before you apply. See how different loan terms, deposits, and balloon payments affect your costs.
Quick Estimate
*Based on 5-year term at 7.99% p.a. Actual rates vary by credit profile.
Common Questions
What's the difference between dealer finance and a broker?
Dealer finance is limited to their lender panel (often just 1-2 options). We compare 20+ lenders to find you a better rate. Plus, we're on your side—dealers earn more when you pay more.
How fast can I get approved?
Many applications are approved same-day. Pre-approval can take as little as a few hours, giving you confidence to negotiate the best price on your purchase.
What documents do I need?
Typically: ID (driver's licence), recent payslips or tax returns (if self-employed), bank statements, and details of the asset you're purchasing. We'll guide you through exactly what's needed.
Can I get finance with bad credit?
Possibly. We work with specialist lenders who consider applications that banks decline. Rates may be higher, but we can often find options. Book a call to discuss your situation confidentially.
What's a balloon payment?
A balloon payment (or residual) is a lump sum due at the end of your loan term. It reduces your monthly repayments but means you'll owe more at the end. Use our calculator to see the impact.
Ready to Finance Your Next Asset?
Get a free quote and compare rates from 20+ lenders. Fast approvals, expert guidance, no obligation.
J2C responds within 2 hours during business hours