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Compare Business Car Finance Rates Quickly

As Australian specialist commercial finance providers, we have access to a large and impressive selection of banks and lenders, including exclusive industry-only sources, to compare and source cheaper rates. We offer customers the choice from a complete portfolio of credit products and have the track-record for sourcing the best business loans at the cheapest rates for all types of enterprises and all types of vehicles.

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Australia's best car finance. Get your rate today.

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Eligibility Qualification

Jade Car Loans - Streamline Your Business Car Financing Needs

Simply answer the questions that follow to see if you qualify:

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One Contact Point for All Business Vehicle Funding Requirements

  • Quickly compare rates from 80+ lenders.
  • Quickly compare rates and benefits for all funding products
  • Australia wide services – contactless service operators everywhere can benefit from our cheaper rates and cost-effective motor vehicle funding solutions
  • Working with companies across multiple states and territories.
  • Service access for customers in regional, rural and remote areas.
  • Resources, buying tools and self-serve repayment calculators.
  • Immediate response for quotes, fast approvals, streamlined personalised process.
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Streamline Comparing and Sourcing Cheaper Business Car Finance

Time is money for owners and operators and minimising time spent sourcing loans means maximising time generating income. Jade focuses on streamlining the loans sourcing process to facilitate fast delivery of funding solutions. 

We have immediate access to 80+ market leading lenders and the expertise to quickly compare and assess which is offering the cheapest rates and overall workable options to meet individual requirements.

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Improve Prospects with Individually Sourced and Structured Loans

Every solution is sourced, negotiated and structured to meet YOUR needs. Not a ‘one size fits all’ approach. We’re working for you to tailor a package that works for your operational and finance requirements.

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Disclaimer: This calculator comparison chart is provided for general reference purposes only. It is not in any way intended as a loan application, it is not a quote for finance or any indication that an application has been received or approved. The repayments quoted may not include all the fees and charges that may be applicable. The interest rates and the repayments displayed do not account for any conditions pertaining to your individual loan application. Therefore the interest rate and repayment you may be offered may vary from the amount shown.
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Fixed Repayments and Loans that Work with Cash Flow to Deliver Profitability

Comparing rates is just one part of the solution. Structuring the entire package can be critical to the outcome. We have earned our impressive reputation based on our track-record for not only cheaper rates but structuring funding which works for our customers. That’s why so many smart operators use Jade!

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Personalised Approach to Business Car Financing

Each customer is assigned their own personal Jade consultant who does all the comparing for you. We work closely with you to source the cheapest option and negotiate hard with our lenders to achieve an outcome with repayments that work to support your cash flow and your operation over the long term.

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Fast Approvals for New & Used Cars

Workable Business Car Financing to Ease Cash Flow

Commercial funding products can be complex. They are designed to suit different accounting methods, balance sheet and tax approaches and other aspects of the enterprise structure.

We work with customers to not only compare lenders but structure specific solutions:-

  • Tax, depreciation, balance sheet optimised solutions.
  • Corporate fleet packages.
  • SME, self-employed, owner-operator, start-up, bad credit solutions.
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Simplify Comparing Lending Rates for Business Car Loan

Cheaper rates mean lower monthly repayments, lower recurring expenses and less pressure on cash flow. Cheaper rates mean a better bottom line for the operation. Rates vary across the lending products and across the lending market. Making the comparison process extremely time-consuming and confusing for those that take the DIY approach.

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Compare More Lenders – Access to the Cheapest Rates From 80+ Banks and Lenders

We simplify the process of comparing rates. We know which lenders are offering the best rates at a specific time and which are the most flexible when it comes to negotiating.
To obtain repayment estimates for planning purposes, use our calculator to compare rates from different lenders and for different products on any number of vehicles being considered.

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Australia's best car finance. Get your rate today.

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Compare Business Car Loan Products

To cater for the full range of Australian commercial set-ups, we offer the full portfolio of funding options:-

  • Chattel Mortgage: The most popular option as it suits many organisations that implement the cash accounting method. The lender takes a mortgage over the vehicle (the Chattel) while the borrower has full use of the vehicle and is responsible for all expenses. Balloon option, flexible.
  • Car Lease: An off-balance sheet facility with the automobile on the balance sheet of the lender. Frees up borrower balance sheet to improve the appearance. Lease payments are tax deductible. Optional residual determined by ATO guidelines.
  • Novated Car Lease: A practical solution for employers to provide a fully maintained vehicle for an employee. Expenses met by the employer and salary sacrificed from employee pre-tax wages. Full assistance from your Jade consultant to source and structure this option.
  • Commercial Hire Purchase (CHP): Less widely-used option. The lender retains vehicle ownership and customers pays monthly ‘hiring’ fee, ie repayment and the customer agrees to take ownership when the loan is finalised. Speak with your accountant about suitability for your operation and your Jade consultant can provide further details.
  • Rent to Buy: Off-balance sheet facility which may be attractive to those needing to regularly upgrade work vehicles. Speak with Jade for further explanation and differentiation from Leasing.
  • Low Doc No Doc ABN-Holder Options: Workable solutions sourced through our specialist lenders for new start-ups and SMEs that do not have all the documents and financials to complete the usual commercial funding application form. Cheap rates possible, workable credit conditions and full assistance and support from Jade.

Better Loans, Better Interest Rates, Better Solutions

Options for all types of enterprises: SMEs, large corporations, partnerships, family businesses, start-ups, owner-drivers, ABN holders and bad credit operators.

  • Vehicle Chattel Mortgage
  • Car Leasing
  • Commercial Hire Purchase
  • Novated Lease with Salary Sacrificing
  • Low Doc No Doc
  • Bad Credit Options
  • Refinancing

Compare business car loan features and benefits!

  • Fixed, cheaper rates
  • Fixed repayments
  • Fixed terms up to 7 years
  • Fixed balloon/residual
  • No deposit

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Business Car Finance Interest Rates FAQs

Jade Finance handles every loan individually, please feel free to contact us via email
or phone on 1300 000 008 to direct your specific issues to our consultants.

What is needed to apply for business finance for cars? FAQ Arrow

To be eligible for business finance, operators will require an ABN which is current and identified. A range of documents on the business financials and operations are requested. Applicants that do not have all these docs can request No Doc and Low Doc finance.

What types of business car financing are available? FAQ Arrow

There are a number of types of business car financing products including Leasing, Chattel Mortgage, Hire Purchase, Rent to Own and Car Lease. The suitability of each to a particular enterprise will depend on accounting measures and practices and financial goals.

Is the interest rate the same for all business car loans? FAQ Arrow

No. Different products attract different rates. New and used vehicles can attract different interest rates. Rates offered will vary for different business loan applicants. Lenders will assess each application individually and apply a rate based on their assessment.

What is the cheapest business car loan? FAQ Arrow

Chattel Mortgage typically has the lowest interest rate of all the business car loan products. Interest rates determine the cost of a business car loan and these vary across the market. Those requiring cheaper repayments may request varying the business car loan term.

How do I know what car loan repayments will be? FAQ Arrow

Estimates of car loan repayments can be calculated using a finance calculator. But the specific repayments will not be known until a specific loan offer has been made.

Are commercial car finance rates the same for all vehicles? FAQ Arrow

The commercial car finance rates advertised typically apply to new vehicles to be used for business purposes. These include sedans, wagons, utes, SUVs, vans, cab chassis and other models. Rates may vary for new and second-hand models.

What car loans are available for new businesses? FAQ Arrow

New businesses that do not have all the documents to complete the standard application form may request no doc or low doc car loans.

What is a balloon? FAQ Arrow

A balloon is a percentage of the loan amount of a Chattel Mortgage or Hire Purchase that is set aside for payment at the end of the finance term. This is only an option on loan terms 1-5 years generally.

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