Services
Car and equipment finance
Auzlending arranges finance for cars, utes, trucks, trailers, tools and machinery, for businesses and individuals, with approvals often the same day.
Who this loan suits
Business owners buying a work vehicle, tradies replacing tools or a ute, transport and construction operators buying trucks and machinery, and individuals buying a car from a dealer or privately. Low-doc options exist for ABN holders with at least one to two years of trading.
What you need to apply
- Photo ID and driver licence.
- For businesses, your ABN, a recent bank statement and either financials or a low-doc declaration depending on the amount.
- For individuals, two payslips and a bank statement.
- Details of what you are buying: dealer invoice, private seller details, or the auction listing.
How we compare lenders for you
Asset lenders price on the age and type of the asset, the strength of the borrower and the loan term. We compare chattel mortgages, finance leases and standard car loans across specialist and bank lenders, and we look at balloon payments and early payout terms, not just the rate. For businesses we also flag the tax treatment to raise with your accountant.
What it costs
Most asset finance pays us a lender commission and costs you nothing extra. On some low-doc or private sale deals we charge a brokerage fee, agreed in writing first. Lender establishment fees are usually a few hundred dollars and are shown in every option.
How long it takes
Approval in a few hours to two business days. Settlement once the seller invoice and insurance are in place, often within the same week.
Questions people ask
Can I buy a car privately with finance?
Yes. The lender pays the seller directly once ownership and a roadworthy check are confirmed. We handle the paperwork with the seller.
What is a balloon payment?
A lump sum left at the end of the loan to lower the monthly repayments. You pay it, refinance it or sell the asset to cover it. Useful for cash flow, but plan for it.
Can I finance second-hand equipment?
Usually yes, up to a certain age at the end of the term. Older or unusual equipment has fewer lenders and slightly higher rates.
Related: business loans, home loans, and the repayment calculator.
Want a real number, not a range?
A 20-minute call, no documents needed yet, no credit check.