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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Business Van Finance Australia
Emu Money Van Loans

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.

1.

Apply online in 3 minutes

Share business details, the van you’re eyeing and your budget.

2.

See matched options

Our Lender Match compares structures, rates and terms side-by-side.

3.

Upload documents

Provide ID, ABN/GST and bank statements (financials for higher limits).

4.

Settle & collect

We coordinate with the seller so you can get on the road sooner.

How Business Van Finance Works

Backed by over 50+ lenders

Giving you the best chance of being approved.

Affordable Car Loans
Alex Bank
Angle Finance
ANZ
Australian Motorcycle & Marine Finance
Australian Premier Finance
Automotive Financial Services
Azora
Bank of Melbourne
Bizcap
BOQ
Branded Financial Services
Capify
Capital Finance
CarStart Finance
CFI
Dynamoney
EarlyPay
Equity Tap
Finance One
Finstro
Firstmac
Flexi Commercial
Green Light Auto
Grenke
Latitude
Liberty
Lumi
Metro
Money3
MoneyMe
MoneyPlace
Morris Finance
Moula
Multipli
Now Finance
Pepper Money
Plenti
Prospa
Resimac
ScotPac
Selfco
Shift
SocietyOne
UME Loans
Vestone
Westpac
Wisr
Yellow Gate

Ready to get started?

Compare business van finance from 50+ lenders with one simple application.

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:

Chattel Mortgage

A secured loan where you own the asset from day one while the lender holds a mortgage over it as security. Perfect for business equipment, vehicles, and machinery purchases.

Loan Amount$5,000 - $2,000,000
Term12 - 84 months
Interest RateFrom 6.59%
Time to Fund24 - 48 hours
EligibilityABN registered, GST registered (if applicable), Australian Citizen or PR
Pros
  • Immediate ownership of the asset
  • Tax benefits - claim GST credits and depreciation
  • Flexible repayment terms available
  • Lower interest rates due to security
Cons
  • Asset serves as security - risk of repossession
  • Comprehensive insurance typically required
  • Ongoing maintenance responsibilities
Best For

Established businesses looking to purchase equipment, vehicles, or machinery with immediate ownership and maximum tax benefits.

Hire Purchase

A financing arrangement where you hire the asset with an obligation to purchase it at the end of the term. Combines the benefits of gradual ownership with manageable monthly payments.

Loan Amount$5,000 - $2,000,000
Term12 - 84 months
Interest RateFrom 6.59%
Time to Fund24 - 48 hours
EligibilityABN registered, GST registered (if applicable), Australian Citizen or PR
Pros
  • Guaranteed ownership at term completion
  • Fixed monthly payments for budgeting
  • No large upfront capital required
  • Tax benefits available during the term
Cons
  • No ownership until final payment made
  • Higher total cost than outright purchase
  • Asset cannot be sold during the term
  • Early termination may incur penalties
Best For

Businesses that want eventual ownership of assets but need to spread the cost over time, particularly suitable for essential equipment with long useful life.

Finance Lease

A lease agreement where you use the asset throughout the lease term with the option to purchase it at the end. Ideal for businesses wanting to preserve cash flow while accessing essential equipment.

Loan Amount$5,000 - $2,000,000
Term12 - 84 months
Interest RateFrom 6.59%
Time to Fund24 - 48 hours
EligibilityABN registered, GST registered (if applicable), Australian Citizen or PR
Pros
  • Lower upfront costs and deposits
  • Preserves working capital and credit lines
  • Tax deductible lease payments
  • Option to purchase at lease end
Cons
  • No ownership until lease completion
  • Total cost may be higher than outright purchase
  • Early termination penalties may apply
Best For

Growing businesses that need equipment access without large capital outlay, or companies wanting to preserve cash flow for operations.

Operating Lease

A rental agreement for business equipment where you use the asset for a set period without ownership obligations. Perfect for equipment that becomes obsolete quickly or seasonal business needs.

Loan Amount$5,000 - $2,000,000
Term12 - 84 months
Interest RateFrom 6.59%
Time to Fund24 - 48 hours
EligibilityABN registered, GST registered (if applicable), Australian Citizen or PR
Pros
  • No ownership responsibilities or risks
  • Lower monthly payments than finance options
  • Easy upgrades to newer equipment
  • Tax deductible lease payments
Cons
  • No equity built in the asset
  • No ownership at lease end
  • Limited customisation options
  • Ongoing payment obligations
Best For

Businesses needing short-term equipment access, companies in rapidly evolving industries, or those wanting predictable operating expenses without ownership risks.

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

Business Van Finance 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.

Loan Amount
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Establishment Fee
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Loan Term (months)
Interest Rate
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Total amount to repay
$0.00
Your repayments
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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.:

BalloonApprox. Monthly RepaymentNotes

$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

VerifiedVerified Review

Brad was great, honest, responsive and on the ball, thanks for your help :)

Chantelle F.

Review posted on 2025-05-21

VerifiedVerified Review

I had an outstanding experience working with Eugin to get my car finance sorted! From the very beginning, Eugin was professional, knowledgeable, and incredibly helpful. He made what can often be a complicated process feel smooth and stress-free. His attention to detail ensured everything was handled efficiently, and he guided me through each step with clear explanations. Thanks to Eugin's support, I secured the financing I needed to buy my car, and I couldn't be happier. If you're looking for someone reliable and dedicated to help you with car finance, I highly recommend Eugin at Emu money. He truly goes above and beyond!

Pabasara G.

Review posted on 2023-11-01

VerifiedVerified Review

Excellent service, they always answered all my questions very quickly, thanks for everything Eujin and Andy 10/10

Matias S.

Review posted on 2025-09-10

VerifiedVerified Review

Just the best organiser and extremely helpful 👌. Strongly recommend!!!

Cleo C.

Review posted on 2024-02-01

VerifiedVerified Review

Brad and the team at Emu money are fantastic. Highly recommend.

Liam H.

Review posted on 2025-05-28

VerifiedVerified Review

I had an excellent experience with Emu Money. Robyn was fantastic – professional, approachable, and genuinely easy to deal with from start to finish. She explained everything clearly, made the whole process stress-free, and went above and beyond to ensure I was comfortable with each step. It's rare to find someone so reliable and efficient. I'd highly recommend Emu Money, and especially Robyn, to anyone looking for great service and peace of mind

Cruize W.

Review posted on 2025-09-10

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.

What vans can I finance?
How long can I finance for?
Can I include fit-outs?
Dealer vs private sale—any difference?
Do I need to be GST-registered?
What is a residual/balloon?
Are repayments tax-deductible?
Can start-ups apply?