Car and Equipment Loans
Vehicle and equipment finance, sorted quickly.
Whether it is a personal vehicle or business equipment, we find finance structured for the asset and your situation, without unnecessary delay.
Lending
Asset finance should be simple, even when the asset is not.
Cars, machinery and equipment all depreciate differently, and lenders take that into account when structuring finance. We match the loan term and structure to the asset, so you are not paying for a car or a piece of equipment long after its useful life.
This applies whether the purchase is personal or for a business, including equipment used to generate income, where there may be additional considerations around structure and tax treatment.
Why Finstac
What you get working with us.
Asset matched terms
Loan terms structured around how the specific vehicle or equipment depreciates.
Personal or business use
Support for both personal vehicle finance and business equipment finance, including income generating assets.
Fast turnaround
Streamlined process designed to get you into the vehicle or equipment without unnecessary delay.
How it works
A clear process, from enquiry to funds released.
- 01
Tell us what you need
Vehicle, machinery or equipment, for personal or business use, new or used.
- 02
Lender comparison
We compare suitable lenders and structures from those we have access to.
- 03
Application
We prepare and lodge your application, aiming for a fast turnaround.
- 04
Settlement
Funds are released and you are on your way.
Common questions
Common questions.
Yes, though terms and lender appetite can vary based on the age and type of the asset. We can talk through what is available for your specific situation.
Tax treatment depends on the structure used and your specific circumstances. We recommend speaking with your accountant alongside us when structuring business equipment finance.
Many equipment and vehicle finance applications move faster than property backed lending, though exact timeframes depend on the lender and the completeness of your documentation.
A chattel mortgage generally means you own the asset from settlement, while a lease structure can differ in ownership and tax treatment. The right option depends on your situation, and we can walk through the difference directly.
Related services
From our insights
Commercial Property Loans Brisbane 2026: Complete Guide
Full 2026 guide to commercial property loans in Brisbane. Security types, serviceability, rates, process and local considerations.
Jonathon Radford · 10 September 2026 · 3 min read
Refinance Home Loans Melbourne 2026: Complete Guide
Full 2026 guide to refinancing in Melbourne. Break-even, costs and strategy in a correcting market.
Jonathon Radford · 10 September 2026 · 3 min read
Self-Employed Home Loans Queensland 2026: Brisbane, Gold Coast & Sunshine Coast Guide
Self-employed home loans Queensland 2026: income verification, 1- vs 2-year assessments, add-backs, DTI and borrowing examples across Brisbane and the coasts.
Jonathon Radford · 10 September 2026 · 3 min read
Let's get you to the right place
A few quick questions. No obligation, no pressure.
Tell us a little about your situation and we will point you straight to a call or a message, whichever gets you moving fastest.
What stage are you at?
Stay informed
Not ready to talk yet? Get our updates instead.
One useful email a month on rates and lending. No spam, ever.