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Business finance for cars, trucks and equipment
Vehicle and equipment finance can help you acquire the assets you need for your business without using your cash reserves.
Need a vehicle? Get a quote, which calculates your loan repayments and apply online in minutes. Looking for equipment? Book an appointment with an ANZ business banking specialist.
Get online vehicle quoteBook an appointment
No extra security needed
Using financed assets as security frees up your valuable capital for other cash flow needs.
No deposit required*
*If approved, you may not have to pay a deposit for your chosen asset.
Flexible repayments
Tailor your repayments to suit the ups and downs of your business' cash flow.
Rapid replacement
Get faster approval when you upgrade an existing financed vehicle.disclaimer
Flexible finance options
Choose the finance option that best suits your business' needs.
Vehicle and Equipment Loan
We lend you the funds to purchase the approved vehicle or equipment your business needs.
Features and benefits
- You own the asset from the day of purchase
- The asset acts as security on the loan
- 1-7 year terms availabledisclaimer with an optional balloon payment
Finance Lease
We purchase the asset on your behalf and then lease it back to you.
Features and benefits
- Choose to purchase or return the asset at the end of the lease term
- The asset acts as security on the loan
- 1-7 year terms availabledisclaimer
Hire Purchase
We purchase the asset and you hire it from us, paying off the asset as you use it.
Features and benefits
- You own the asset once you've paid the final instalment
- The asset acts as security on the loan
- 1-7 year terms availabledisclaimer
Get a rate discount on an energy efficient asset
The ANZ Energy Efficient Asset Finance Program, a co-funding finance program with the Clean Energy Finance Corporation (CEFC), offers discounted rates on approved energy efficient assets.
Interest rates
0.5% p.a. discount on your standard asset finance rate.
Features and benefits
- Reduces the interest rate on eligible vehicle and equipment finance options by 0.5% p.a.
- An ANZ business banking specialist will work with you to confirm asset eligibility.
1. Get a quote
You can get a fast online quote for most vehicle loans which calculates your repayments. For other finance options, book an appointment with an ANZ business banking specialist.
How it works:
- Tell us about your business and the vehicle you wish to purchase
- Specify the loan amount, any balloon payment (if applicable), and your preferred repayment schedule
- Receive a quote with an estimated interest rate, loan term, and repayment amounts to help you decide before applying
2. Apply
Eligible customers can apply online in just 20 minutes. Alternatively, apply with an ANZ business banking specialist at a time that suits you.
What to expect:
- See how much you could borrow before the credit check
- Apply online in 20 minutes with no application paperwork, via a one-time connection to your compatible accounting software (Xero, MYOB, Intuit Quickbooks)
- The asset can be purchased on your behalf within two days, if approved
3. Get your asset
Once we’ve received all the required documents, we'll pay the vendor and you can arrange collection of the asset.
Important information:
- Online vehicle quotes expire when you leave the website, but you can generate a new one at any time
- Banker-generated quotes are valid for 7 days
- Your business may need to meet additional criteria if applying online
Pricing tailored to your business' needs
Get a quote to see indicative interest rates, fees and repayments.
Save 0.5% p.a. on energy efficient assets
An ANZ business banking specialist will work with you to determine asset eligibility.
Establishment Fee
This fee applies to all approved asset finance applications. Learn more about all fees and charges (PDF) that may apply.
Need more information?
Find out more about our finance options in our asset finance terms and conditions.
Explore other business lending options
ANZ GoBiz
Applying online for a business loan, business overdraft or business vehicle loan is easy. Get conditional approval in just 20 minutes, where eligible.disclaimer
Loan amount:
$10k – $500,000
Overdraft limit:
$2k – $300,000
Vehicle loan amount:
$7.5k – $500,000
Term length:
Loan: Up to seven years with a variable rate, or up to three years with a fixed rate.
Overdraft: No minimum or maximum term
Vehicle loan: Up to seven years with a fixed rate
Security:
Unsecureddisclaimer
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 unsecureddisclaimer
*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 limit:
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).
Need to speak to someone?
Book a phone appointment with an ANZ business banking specialist at a time that suits you.
A banker can help you with:
- All asset finance types
- Financing for most vehicle and equipment types
- Rapid replacements options
- Energy efficient asset eligibility
- Quotes valid for 7 days
Call us
Want to discuss new or existing ANZ business banking or need help with general enquiries?
Mon-Fri 8am to 6pm (AEST)
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.
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.
The term length is subject to the product terms and conditions, eligibility and credit criteria including purchase of an asset acceptable to ANZ. For certain loan terms the asset must meet ANZ’s security requirements including age, type and intended use of the asset must be acceptable to ANZ.
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.
ReturnFor an unsecured loan you won’t need to provide an asset as security, although a personal guarantee may be required in cases of directors.
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.