Car, Truck & Taxi Finance in Sydney
We arrange finance for personal cars, work utes and vans, trucks, and rideshare or taxi vehicles. You get options from multiple lenders without applying to each one yourself, and we explain the real cost including fees and any balloon payment.
Reviewed by Vikas Gupta, MFAA member · Updated
Personal vs business vehicle finance
| Item | Personal car loan | Business vehicle finance |
|---|---|---|
| Who it's for | Mainly private use | ABN holders using the vehicle mainly for business |
| Common products | Secured or unsecured car loan | Chattel mortgage, finance lease, hire purchase |
| Regulated by National Credit Code? | Yes | Usually not (business purpose) |
| Tax treatment | Not usually deductible | Interest and depreciation may be deductible — ask your accountant |
Rideshare, taxi & truck finance
Rideshare and taxi drivers
Lenders look at your driving income history (platform statements or bank deposits), ABN age and the vehicle's age.
Trucks and light commercials
Finance for new and used trucks, trailers and fleet additions, usually as a chattel mortgage.
New ABNs
Some lenders accept newer ABNs with a larger deposit or stronger credit history.
Understanding balloon payments
A balloon (residual) is a lump sum due at the end of the loan. It lowers your regular repayments but you still owe it, either by paying it, refinancing it, or selling or trading the vehicle. We'll show you repayments with and without a balloon so you can compare.
Vehicle finance questions
Can I get pre-approved before I find the car?
Yes, with most lenders. It helps you negotiate with dealers.
Is dealer finance cheaper?
Sometimes there are manufacturer offers, but dealer finance can include higher rates or fees. Compare the total cost.
Helpful tools
Related services
Get a vehicle finance quote — 0402 597 375.
Book a free chatGeneral information only. Lending criteria, fees and charges apply.
Helping clients in Gladesville and across Sydney
We're based in Gladesville, NSW 2111, and meet clients in person across the Ryde, Hunters Hill, Canada Bay and Lane Cove areas — or by phone and video anywhere in Sydney and Australia.
- Gladesville
- Hunters Hill
- Ryde
- Putney
- Tennyson Point
- Boronia Park
- Huntleys Point
- Henley
- Drummoyne
- Five Dock
- Abbotsford
- Concord
- Meadowbank
- West Ryde
- Ermington
- Denistone
- Eastwood
- North Ryde
- Macquarie Park
- Lane Cove
- Epping
- Rhodes