What types of vehicles can I finance?

We can arrange finance for cars, utes, vans, trucks, buses, and commercial fleets — both new and used.

What’s the difference between a chattel mortgage and a lease?

A chattel mortgage provides ownership from day one, while a lease allows you to use the vehicle and pay it off over time where both can be structured for tax efficiency.

Can I finance multiple vehicles at once?

Yes. We offer tailored fleet finance options for businesses needing to purchase or upgrade multiple vehicles under one facility.

Do I need to be a business owner to apply?

No. Vehicle finance is available for both individuals and businesses, depending on your income and purpose.

What documents do I need?

You’ll typically need ID, proof of income, and vehicle details. Business clients may also provide ABN and recent financials.

Vehicle Loans for Cars & Fleets

Whether you’re financing your next car, upgrading your commercial fleet, or expanding your business with new vehicles, Rethink Financing offers tailored solutions that fit your goals. We compare options from major banks and specialist lenders to deliver competitive rates, flexible terms, and fast approvals.

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Finance That Moves with You

A Rethink Vehicle Loan gives you access to affordable, flexible finance for cars, trucks, vans, and commercial fleets. With structured repayments and tax-effective options, we help you acquire the vehicles you need without impacting day-to-day cash flow.

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Competitive fixed or variable rates

Finance for new or used vehicles, from passenger cars to heavy trucks

Flexible terms up to 7 years

Fast approvals and minimal paperwork

Options for individuals, businesses, and fleets

Check Your Eligibility

Simple Process. Smart Finance.

STEP
1

Needs & Eligibility Review

We assess your vehicle requirements, budget, and finance eligibility, ensuring we match you with the right lender and product.

STEP
2

Lender Comparison & Application

We compare offers from our panel of 30+ lenders to find the most competitive rates and repayment options for your needs.

STEP
3

Approval & Settlement

Once approved, we coordinate with your supplier or dealer for a seamless vehicle purchase and settlement process.

Talk to a Vehicle Finance Specialist

Experts in Asset & Vehicle Finance

We understand that every vehicle purchase is different - whether it’s your daily drive, a company car, or a full commercial fleet. Our asset finance specialists structure vehicle loans that maximise affordability, flexibility, and efficiency while ensuring a smooth, transparent process from start to finish.

Tailored Structures – Finance that fits your business and cash flow.

30+ Lenders – Banks, non-banks, and specialist asset financiers.

Fast Turnarounds – Quick approvals and minimal documentation.

Flexible Options – Chattel Mortgage, Hire Purchase, or Leasing.

Award-Winning Service – Trusted by businesses Australia-wide.

Talk to a Vehicle Finance Specialist

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Learn more about your finance options today.

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Do you have a 3+ years lease in place?

Yes

Does the tenant operate business between 6:00am to 6:00pm?

Yes

Can you provide at least one power bill issued within the preceding 3-months?

Yes

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Vehicle Loan FAQs

Before reaching out, check out our frequently asked questions to see if we’ve already answered what you’re looking for.

Award-winning
commercial
property financers

Our offering

We specialise in providing personalised solutions, recognising that each client and their situation is immensely unique. The Rethink Financing approach involves tailoring strategies to align precisely with individual goals. With access to a wide array of lenders, we’re not confined to specific products or banks, ensuring a diverse range of options for our clients. Backed by our team’s expertise and diligent guidance, you can trust us to provide thorough advice and support every step of the way.

Our Strategy

We pride ourselves on fostering strong networks and relationships with all key stakeholders including lenders, BDMs and bankers, enabling us to collaborate effectively and transparently. Through these network relationships, they support us as we support them in achieving mutual success.

Knowledge sharing is fundamental to our ethos, through weekly team collaborations, workshops and peer reviews, we ensure that insights are exchanged, lessons learned, and challenges addressed.