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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.
Fixed Interest Rate
from *
For new and demo cars, vans and utes.
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
$7,500
Minimum amount
Monthly and tailored
Repayments
Find the right option for your business
Vehicle finance
Interest rate
Calculated on request
Vehicles you can get finance for:
- Passenger cars
- Van and light commercial vehicles
- Trucks and trailers
- Buses
Equipment finance
Interest rate
Calculated on request
Equipment you can get finance for:
- Construction and agricultural
- Manufacturing
- Health
- Office
Benefits
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 2022. 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.
Special offer on ANZ Vehicle Finance for new and demo cars, utes and vans
Fixed interest rate
From
When you submit your application directly to ANZdisclaimer
- Borrow up to $5 milliondisclaimer
- No establishment fee
- Loan term of up to 5 years
- Financed vehicles will be used as security*
- Tailor repayments to suit your cash flow
- All lending contracts under the Scheme must be entered into by 30 June 2022
Interest rates for other vehicle and equipment types will be calculated on request.
*Vehicle finance product is a Chattel Mortgage. Some used assets may be ineligible under the Australian Government SME Recovery Loan Scheme. Terms and conditions and eligibility criteria applies.
Who can apply?
Eligibility
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.
Call us
Contact the Asset Finance team Mon-Fri 8am to 8pm (AEST).
Have a question?
Explore other lending options
ANZ GoBiz
Applying online for a business loan or overdraft is easy. Get conditional approval in just 20 minutes, where eligible.disclaimer
Business loan amount:
$10k – $200,000
Overdraft amount:
$2k – $100,000
Term length:
Business Loan: Up to 7 years variable only
Overdraft: No minimum or maximum term
Security:
Unsecured
ANZ Business Loan
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
Security:
Secured or unsecured
*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
An ANZ Business Overdraft allows you to access additional funds up to an approved limit whenever you need it.
Overdraft amount:
Minimum $2,000
Term length:*
No minimum or maximum term
Security:
Secured or unsecureddisclaimer
*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).
Read more about business lending
What is asset financing and how can it help your business?
4-minute read
When running your own business, having the right equipment so your business remains efficient and profitable is crucial.
The four Cs of credit: What are banks looking for?
4-minute read
The fours Cs of credit are a common set of principles that banks and lenders consider when assessing business loan applications.
Visit a branch
Locate an ANZ branch and talk to a business banker near you.
Interest rates are current as at and are subject to change.
All lending provided by ANZ under the Australian Government SME Recovery Loan Scheme is subject to ANZ's normal credit approval criteria. Terms and conditions and Fees and charges apply. For information and eligibility rules please visit Government SME Recovery Loan Scheme.
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 104kB) 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.
ReturnInterest rates may vary based on eligibility and credit criteria including loan purpose and purchase of a vehicle acceptable to ANZ. Advertised interest rates are only available when applications for asset finance are submitted directly to ANZ and not via a broker.
ReturnThe maximum total borrowing amount for all loans under the Australian Government SME Recovery Loan Scheme (including those from other participating lenders in the Scheme) is $5 million per ABN in addition to any Phase 1 and Phase 2 Scheme lending.
ReturnApplicants 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.
ReturnThe 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.
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).
Return