Compare Van Finance from 50+ Australian Lenders
Finance cargo, crew or refrigerated vans with flexible structures like chattel mortgage, hire purchase or finance lease. Sharp rates, fast approvals.
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Van Finance Made Simple
From last-mile delivery to mobile services, the right van keeps work moving. Finance tailored to cash flow, kilometre use and asset life.
Borrow With Confidence
Typical amounts from $15,000 to $200,000+ depending on profile and van
Flexible Terms
1 to 7 year terms with optional balloons/residuals
Fast Approvals
Same-day decisions possible for eligible applications
New or Used
Dealer, auction or private sales supported
Tax-Smart Structures
Chattel mortgage, hire purchase, finance lease
Fit-outs & Conversions
Shelving, refrigeration, racking and signage can be included
How it works
We match your application to lenders that specialise in business van finance so you can compare options with confidence.
Apply online in 3 minutes
Share business details, the van you’re eyeing and your budget.
See matched options
Our Lender Match compares structures, rates and terms side-by-side.
Upload documents
Provide ID, ABN/GST and bank statements (financials for higher limits).
Settle & collect
We coordinate with the seller so you can get on the road sooner.
Backed by over 50+ lenders
Giving you the best chance of being approved.
A quick guide to van finance
Van finance helps Australian SMEs and sole traders acquire mission-critical vehicles without a large upfront hit to cash flow. Common structures include chattel mortgage (you own the van from day one), commercial hire purchase (ownership transfers at the end) and finance lease (use the van during the term with a residual). Pricing depends on turnover, trading history, credit profile and the van’s age and kilometres. Balloons can reduce repayments to align costs with the van’s useful life. Whether you’re building a delivery fleet or converting a mobile workshop, the right structure keeps cash flow smooth while preserving working capital.
Want to skip ahead?
This guide is broken down into the following sections. Click a link if you want to skip ahead.
Types of van finance
Choose a structure aligned to tax treatment, ownership and cash flow:
What can I use van finance for?
Vans are the workhorse of Australian business. Finance can cover purchase and fit-outs for a range of industries.
Local Deliveries & Couriers
Cargo vans for eCommerce fulfilment and last-mile routes with shelving and cargo barriers.
Trades & Contractors
Crew or mid-roof vans fitted with racking, partitions and power for tools and materials.
Refrigerated Transport
Chill or freezer conversions for food, floristry or pharmaceuticals with compliant insulation.
Mobile Services
Set up mobile workshops for mechanics, locksmiths, installers or on-site maintenance.
Event & Hire
Transport AV gear, staging and signage between venues with secure storage solutions.
Tourism & Shuttle
People-mover or crew conversions for hotel, airport or tour transfers (where eligible).
Case Study
Daniel R, Parcel Pace Pty Ltd
Lower repayments with a sensible residual
Industry: Courier & Logistics
Challenge: Needed two new high-roof vans to keep up with parcel volumes without straining cash flow.
Solution: Finance lease, 48-month term with a 30% residual aligned to expected resale value.
A Sydney courier business upgraded to two late-model high-roof vans. By selecting a finance lease with a residual, they reduced monthly costs and preserved capital for hiring drivers. The expected resale value is projected to clear most of the residual at term end, keeping upgrades simple.
How much can I borrow with van finance?
Typical facility sizes range from $15,000 to $200,000+ per vehicle. Limits depend on turnover, time in business, van age/kilometres and your credit profile. Many lenders fund up to 100% of the purchase price (plus on-roads and fit-outs) for newer vans; older vehicles may attract lower LVRs and shorter terms.
Van Finance Repayment Calculator
Estimate repayments and total cost. Adjust the amount, term, rate and balloon to plan cash flow before you apply.
Balance over time
Am I eligible for van finance?
Eligibility focuses on serviceability and vehicle suitability. Newer, lower-kilometre vans often attract sharper pricing and longer terms. Strong bank-statement health and stable trading history improve approval odds.
You may be eligible if you are:
An Australian business with active ABN (GST preferred for larger limits)
Over 18 years old
Trading for 6–12 months (start-ups considered case-by-case)
Minimum monthly turnover of $5,000–$10,000
Purchasing an eligible van (cargo, crew, people-mover, refrigerated)
How to apply for van finance?
Complete a quick online application and upload documents. We’ll source multiple offers across chattel mortgage, hire purchase and lease options, then coordinate settlement with the seller.
Documents you may need:
ABN and GST details
Photo ID (driver’s licence or passport)
Business bank statements (3–6 months)
Tax returns/BAS for larger limits
Vehicle details (VIN, rego, invoice/quote)
How to save money on van finance
Compare structures as well as rates—chattel mortgage vs lease vs hire purchase can change cash-flow, tax treatment and total cost. Choose a residual/balloon that aligns with the van’s expected resale value and your kilometres. Bundle fit-outs (shelving, refrigeration, partitions) at settlement so they’re financed at the same rate. Newer vans typically qualify for sharper pricing. Avoid unnecessary add-ons and consider total cost of ownership (tyres, servicing, fuel/energy).
Example: Balloon impact — $65,000 over 60 months at 8.49% p.a.:
| Balloon | Approx. Monthly Repayment | Notes |
|---|---|---|
$0 | $1,335 | Highest monthly cost |
10% ($6,500) | $1,216 | Lower monthly cost |
20% ($13,000) | $1,097 | Balance of cost vs cash flow |
30% ($19,500) | $978 | Lowest monthly cost; plan for resale/refinance |
Understanding van finance options
Van finance can be set up to suit repayments, ownership and upgrade cycles. Here are the key choices:
Secured vs Unsecured
Most van loans are secured against the vehicle for sharper rates. Unsecured options exist but with higher costs and lower limits.
Balloon/Residual Payments
Lower monthly repayments by deferring a lump sum to the end; pay out, refinance or trade-in later.
Fixed vs Variable Rates
Fixed offers certainty for budgeting; variable may save if market rates fall but adds interest-rate risk.
Early Repayment Flexibility
Some lenders allow extra repayments or early payout; others charge break fees—check before you sign.
Fit-outs at Settlement
Shelving, refrigeration and partitions can often be included in the initial finance at the same rate.
Testimonials
Verified Review
⭐⭐⭐⭐⭐ The process with Emu Money has been fantastic — completely stress-free and very professional. Their document requirements were clear and straightforward, with everything explained step by step. Once we submitted our paperwork, the response was quick, and the whole process was easy to follow. We’re very happy with the experience and highly recommend Emu Money for any commercial loan needs
Pratik P.
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Dat N.
Verified Review
Brad has been absolutely amazing to work with to help with financing for our business! The process was very simple, well explained and Brad went out of his way to provide updates - highly recommended!
Karn P.
Verified Review
Emu money is fast and reliable Thanks Ryan for your help Highly recommended for your finance needs
Nabi S.
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Incredibly seamless experience! Highly recommend
Tracy W.
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Ryan was Very helpful through the entire process and made everything super simple for me. Had no issues altering and changing to suit my needs throughout
Kye Z.
Frequently Asked Questions
Business Van Finance FAQs
These helpful FAQs will help you find the answers you need. If you can't find what you're looking for, you can request a callback below.
