Car & Asset Finance

Car and asset finance lets you purchase vehicles or equipment without paying the full cost upfront. You borrow the funds and repay them over time, making it easier to manage your cash flow—whether you’re buying a personal car or business equipment.

You can finance a wide variety of assets, including:

• Personal vehicles (cars, utes, SUVs)

• Business vehicles (trucks, vans, fleets)

• Heavy machinery and construction equipment

• Medical and dental equipment

• Office technology and fit-outs

• Agricultural tools and vehicles

We offer a range of finance structures depending on your needs:

• For personal use: Secured or unsecured car loans

• For business use: Chattel mortgages, finance leases, operating leases, novated leases, or commercial hire purchases

We’ll help you choose the right structure based on your tax position, ownership goals, and repayment preferences.

Not always. Many lenders offer no-deposit options depending on your credit history and the type of asset. However, providing a deposit can lower your repayments and improve your approval chances.

Yes—pre-approval gives you clarity on your borrowing power and makes it easier to negotiate confidently with dealers or suppliers.

Absolutely. Whether you’re a sole trader, partnership, trust, or company, we can assist with business finance solutions tailored to your structure.

Yes—some lenders offer low doc or no doc options, especially for standard vehicles or repeat borrowers. If you have a valid ABN and strong credit, you may not need to provide full tax returns.

Structures like chattel mortgages and leases may allow you to claim GST, interest, depreciation, or full deductions depending on your business and asset type. We always recommend speaking with your accountant for personalised advice.

Standard vehicle finance can often be approved within 24 hours, and commercial equipment finance can settle within 48 hours if all documentation is ready. We work quickly so you can secure your asset without delay.

You can apply online, by phone, or through your Shore Financial broker. We’ll guide you through the entire process—from selecting the right lender to settlement—so you can secure your vehicle or asset with confidence and ease.