Vehicle & Truck Finance
Finance for your next car, ute or truck
Alongside home loans, we help Fraser Coast clients and small business owners finance vehicles — from an everyday car to a truck for the business.
Vehicle finance for the Fraser Coast
Whether it's a family car, a work ute, or a truck for the business, vehicle finance is a separate product to a home loan — but it's a natural extension of what we already do, and many of the lenders we work with for home loans offer competitive vehicle and equipment finance too.
Personal vehicle finance
A standard car loan for a new or used vehicle, structured around your budget and the vehicle's age. We compare options across our panel rather than pointing you toward a single lender's product.
Truck & business vehicle finance
Tradies, contractors and small business owners across Hervey Bay and Maryborough often need to finance a ute, van or truck for the business. This is commonly structured as a chattel mortgage or other asset finance product, which can bring GST and depreciation benefits depending on your business structure — worth a conversation with your accountant alongside the finance itself. If you're self-employed or run a small business more broadly, our self-employed loans pageand FIFO & contractor loans pagecover how we assess business and contract income more generally.
What suits you: loan, chattel mortgage or lease?
- ✓ Standard car loan — straightforward, for personal use vehicles
- ✓ Chattel mortgage — common for business and sole trader vehicle and truck purchases
- ✓ Novated lease — arranged through your employer via salary packaging
Get a free vehicle finance assessment
Tell us a bit about what you're after and we'll be in touch within one business day.
- A clear picture of what you can borrow
- Your options compared across our panel of 40+ lenders
- A straight answer — even if it's “not yet”
Thanks — your enquiry is in
We'll be in touch within one business day.
Common questions
Vehicle & truck finance questions
Is this actually free? What's the catch?
No catch. Like our home loan service, we're paid a commission by the lender you choose, not by you, so there's no cost to compare vehicle or truck finance options.
Do you only arrange home loans, or vehicle finance too?
Both. Vehicle and truck finance is a separate product to a home loan, but many of the same lenders on our panel offer it, so it's a natural extension of what we already do for Fraser Coast clients.
What's the difference between a car loan, a chattel mortgage and novated leasing?
A standard car loan works like a personal loan secured against the vehicle. A chattel mortgage is generally used by businesses and sole traders, where the business owns the vehicle from day one and may claim GST and depreciation benefits. A novated lease is arranged through your employer and paid via salary packaging. Which suits you depends on whether the vehicle is for personal or business use, and your tax position — we'll talk through which fits.
Can I finance a truck for my business?
Yes — truck and equipment finance for tradies, contractors and small business owners is a common request, and often structured as a chattel mortgage or asset finance product rather than a standard car loan.
Do I need a large deposit?
It varies by lender and the age/type of vehicle, but many vehicle finance products are available with little or no deposit for well-qualified applicants. We'll give you a realistic picture based on your situation.
Ready to talk about your next vehicle?
Get a straight answer on finance for your next car, ute or truck.
Get my free assessment