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ANZ Business Vehicle and Equipment Finance

Financing the purchase of essential assets for your business helps reduce the impact on your cash flow.

ANZ Vehicle and Equipment Finance offers flexible repayment options and can help you be financially ready for today, tomorrow and the unexpected.

  • Flexible cash flow solutions
  • Approved customers may not have to pay a deposit
  • The assets will be used as security
  • Rapid replacement process available

Fixed Rate New Vehicle Finance

From disclaimer

Limited Time Offer

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
A ute beside a van on a transparent background

ANZ Vehicle Finance

Drive your business forward this end of financial year

Fixed interest rate


Applies to new and demo cars, utes, vans and trucks only. Applications must be approved by 30 June 2024 and be sumitted directly to ANZ.

Buying a used vehicle? Speak to an ANZ Banker about our competitive rates.

Terms and conditions, fees and charges, and eligibility criteria apply. disclaimer

Request a call back

Rapid replacement process

How it works

Looking to replace or upgrade an existing financed or recently paid out* business asset?

It's now simpler and faster! You could have an application approved in days with minimal documentation needed. 

Provided the proposed monthly repayments on your new contract are equal, or lower than, your existing or recently completed contract.

*Up to 90 days from payout

Eligibility requirements

To be eligible you must

  • Have not opened a new commercial lending facility in the last 90 days
  • Meet the minimum monthly repayment criteria
  • Satisfy a credit check

Terms and conditions and eligibility criteria apply.disclaimer



No additional security required

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

Flexible repayment structure 

You can structure repayments to suit your cash flow over the life of the loan, helping you manage the ups and downs of your business.

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.

ANZ Energy Efficient Asset Finance Program 

ANZ has a co-funding finance program with Clean Energy Finance Corporation (CEFC) providing discounted finance, on approved clean energy technology, to ANZ small business customers.

Take advantage of new energy efficient technologies and assets with the help of a 0.5%p.a. discount on your standard asset finance rate.  We will work with you to confirm the eligibility of the asset.

Contact a business specialist to find out more.

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.


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 351 663.


Get started


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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 8.30am to 6pm (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).

We're here to help

Call us

Mon-Fri 8am to 6pm (AEST)

1800 351 663


Visit a branch

Locate 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.

ANZ's Vehicle Finance fixed rate offer:

  • The fixed rate applies to approved asset finance applications that are quoted through ANZ direct sales channels only.
  • For new and demo cars, utes, vans, and trucks only. Applications must be approved by 30 June 2024. All other asset finance policies and procedures apply.
  • This offer is applicable for the ANZ Chattel Mortgage. Loan term up to 5 years.  
  • The offer is available for new or additional lending only (not loan restructures). Additional lending is subject to other eligibility criteria.
  • It cannot be used with, or in addition to any other promotion (unless otherwise stated), and it may be withdrawn or changed by ANZ at any time without prior notice.  
  • The applicant’s total business borrowings with ANZ, including new loan funds as part of the application and any borrowings held by related entities, must be less than $1.5 million.
  • Loan purpose and asset must be acceptable to ANZ.
  • All other terms and conditions, fees and charges, eligibility and credit approval criteria for ANZ Asset Finance 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.


Terms and conditions, eligibility and credit criteria apply for ANZ’s rapid replacement process, including:

  • Your proposed monthly repayments on the asset finance facility are equal to, or less than, your existing monthly repayments.
  • You are replacing your asset finance facility (fully paid out up to 90 days prior to ANZ approval) with a new ANZ asset finance facility. 
  • Your existing asset finance facility has been established for a minimum of 12 months. 
  • Your total business borrowings with ANZ are less than $1.5 million including the funding under the replacement application.
  • You must be an ANZ business customer
  • You have not opened a new commercial lending facility in the last 90 days, with ANZ or any other financial institution.
  • Finance up to $150,000 for motor vehicles and $500,000 all other assets accepted by ANZ. 
  • You satisfy the credit criteria. 
  • The term and the age of the asset being financed meet ANZ's credit requirements.
  • All other ANZ asset finance policies and procedures apply.

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 in cases of 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.