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ANZ Business Vehicle and Equipment Finance

ANZ Vehicle and Equipment Finance offers flexible repayment options to suit your cash flow and help you manage the ups and downs of business.


Apply for vehicle and equipment finance

Run and grow your business with a tailored ANZ Vehicle and Equipment Finance solution.

1-5 yeardisclaimer

Loan term


Minimum amount

Monthly and tailored


Find the right option for your business

Vehicle finance illustration of truck and motor bike

Vehicle finance

Interest rate

Calculated on request

Vehicles you can get finance for:

  • Passenger cars
  • Van and light commercial vehicles
  • Trucks and trailers
  • Buses
Business equipment illustration of coffee machine and copier printer

Equipment finance

Interest rate

Calculated on request

Equipment you can get finance for:

  • Construction and agricultural
  • Manufacturing
  • Health
  • Office



No additional security required

Financed assets will be used as security, freeing up your valuable capital for other cash flow needs.

Flexible cash flow solution 

By factoring the ups and downs of your business from the outset, your repayments can be tailored to suit your cash flow over the life of the loan.

Instant asset write-off

If eligible, you may claim a tax deduction for the full cost of the depreciating purchased asset as part of the Australian government’s instant asset write-off.

To be eligible, assets need to be bought, installed and used by 30 June 2023. For more details, speak to your accountant or tax agent.

You may not need to pay a deposit

Approved customers may not have to pay a deposit for the vehicle or equipment, which means your valuable capital can be kept for other business needs.


Who can apply?


To be eligible for ANZ Vehicle and Equipment Finance, you will need to meet eligibility criteria including:

  • be an Australian citizen
  • be 18+ years of age
  • be a director of the business entity, a partner in the partnership or a sole trader
  • be the key financial decision maker for the business

In addition, your business will need to have an ABN number and the vehicle or equipment's main function must be used for business purposes.

Not eligible?

At ANZ, we offer flexible and tailored lending solutions for businesses.

Find out how you can get on top of business with our range of other business loans and overdrafts to help you manage your cash flow or grow your business.

Speak to a business banking specialist on  1800 801 485.


What's the application process?

Step 1: Get a quote

Speak to one of our dedicated business banking specialists who will help you understand the amount you can borrow, and explain the rates and fees associated with the loan.

Step 2: Apply

After you've received your quote, one of our business banking specialists will work with you to provide the documents you will need to apply.

Step 3: Submit and sign

Once the required documentation has been received from you (such as a final tax invoice for the purchased asset) we will send through the documents that need to be signed.

Step 4: Your finance is ready

Once we’ve received all required documents our specialists will pay the invoice for your vehicle or equipment and it’ll be ready for you to collect.


Get started

Submit your details

Send us your information and a business banking specialist will get back to you as soon as possible.

Get started online 

Call us

Contact the Asset Finance team Mon-Fri 8am to 8pm (AEST).

1800 519 750

Have a question?

Chattel Mortgage

A chattel mortgage is our most popular finance option. ANZ lends you the funds to purchase the approved vehicle or equipment your business needs.

You take ownership of the asset on the day of purchase, and it is used as security for the finance. You then pay off the loan. 

1-5 year loan termdisclaimer


Finance Lease

You choose the approved vehicle or equipment. ANZ then purchases it for you (on your behalf) . We then lease it back to you.

You can match your lease to the effective life of the asset and when the lease expires, you can either return or purchase the asset.

1-5 year loan termdisclaimer


Hire Purchase

You hire the approved vehicle or equipment from ANZ and purchase the asset through an instalment plan.

When the final instalment is paid, ownership of the asset transfers automatically to you.

1-5 year loan termdisclaimer

Explore other lending options



Applying online for a business loan or overdraft is easy.  Get conditional approval in just 20 minutes, where eligible.disclaimer

Business loan amount:

$10k – $500,000

Overdraft limit:

$2k – $300,000

Term length:

Business Loan:  Up to seven years with a variable rate, or up to three years with a fixed rate.

Overdraft:  No minimum or maximum term 



Explore ANZ GoBiz

ANZ Business Loan

Business Loans illustration of a shop, plant and coins

An easy-to-use and flexible business loan that can be tailored to suit your lending needs.

Loan amount:

Minimum $10,000

Term length:*

1 – 15 years for unsecured loans

1 – 30 years for secured loansdisclaimer


Secured or unsecureddisclaimer

ANZ Business Loan

*Term lengths are subject to the relevant product terms and conditions, eligibility and credit criteria, and will vary according to the security provided.

ANZ Business Overdraft

Business overdrafts illustration of a laptop showing a $ progress bar

An ANZ Business Overdraft allows you to access additional funds up to an approved limit whenever you need it.

Overdraft limit:

Minimum $2,000

Term length:*

No minimum or maximum term


Secured or unsecureddisclaimer

ANZ Business Overdraft

*Term lengths are subject to the relevant product terms and conditions, eligibility and credit criteria, and will vary according to the security provided (including financed assets).

Contact us

Request a call back

Have us call you back to discuss your business needs

Leave your details


Call us

Mon-Fri 8.30am to 8pm (AEST)

1800 801 485


Visit a branch

Locate an ANZ branch and talk to a business banker near you.

Find your local business banker


Interest rates are current as at and are subject to change.

Any advice does not take into account your personal needs, financial circumstances or objectives and you should consider whether it is appropriate for you.

ANZ recommends you read the applicable Terms and Conditions and the ANZ Financial Services Guide (PDF) before acquiring the product.

This is general information only and does not constitute tax advice. We recommend you obtain independent advice from a financial planner and registered tax agent if you are considering whether this product is right for you.

Products are available to approved applicants for business purposes only. Asset must be used for business purposes only, minimum amount $7,500. All applications for credit are subject to ANZ's normal credit approval criteria. Terms and conditions available on application. Fees and charges apply.

The term length is subject to the product terms and conditions, eligibility and credit criteria including purchase of an asset acceptable to ANZ. For a term of up to 5 years the asset must meet ANZ’s security requirements including age, type and intended use of the asset must be acceptable to ANZ.


Applicants for ANZ GoBiz need to meet eligibility and credit criteria. Once approved, you'll need to sign and return your documents. Once we receive these, your funds will be in your business account within 2 business days.


For an unsecured loan you won’t need to provide an asset as security, although a personal guarantee may be required (for example from company directors).


The term of the loan will be subject to relevant product terms and conditions, eligibility and credit criteria, and will vary according to the loan amount and security provided.  Eligibility criteria for an ANZ Business Loan with a 30-year loan term includes:

  • total credit facilities with ANZ, including new loan funds as part of the application and any credit facilities held by related entities, must be less than $3 million;
  • loan purpose acceptable to ANZ; and
  • provision of security acceptable to ANZ, meeting ANZ’s security requirements including minimum security coverage and suitable security location.