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Drive away with the right finance.

New car, used car, ute for the business, or equipment for the workshop, we compare across our asset finance panel and arrange it fast, often within 24 to 48 hours.

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Car & Asset Finance

Skip the dealership finance desk.

Dealer finance is built for convenience, theirs, not yours. The rate you're offered at the dealership often carries margin for the dealer, and the structure (especially the balloon payment) is designed to bring you back to the same desk in three years. It pays to have your own person comparing the market.

We arrange finance for new and used cars, utes, vans, motorbikes, and business equipment, from coffee machines to excavators. Because we work with a dedicated panel of asset lenders, we can usually match or beat dealer offers, and approvals often land within 24 to 48 hours, so you can negotiate at the dealership as a cash buyer.

For business owners, the right structure matters as much as the rate: chattel mortgage, finance lease, or low-doc options for ABN holders, each has different tax and cash-flow consequences. We'll line up the structure with how you actually use the asset (your accountant can confirm the tax side).

Why it works

Why finance your wheels through us

Beat the Dealer Rate

We compare our full asset panel against the dealership offer. Walking in with finance pre-arranged also makes you a stronger negotiator on the price itself.

Fast Approvals

Asset finance moves quickly, straightforward applications are often approved within a day or two, so you never lose a car you have found over paperwork.

Structures That Suit

Personal loan, chattel mortgage, lease, balloon or no balloon, we explain the real cost of each option so the repayment fits your cash flow.

Run the numbers

Car loan calculator

Estimate repayments, with or without a balloon (residual) payment.

Monthly repayment
$716 /mo
Balloon due at end
$13,500
Total of payments
$56,434

Estimates only. Assumes a fixed rate with equal monthly repayments and the balloon paid as a lump sum at the end of the term. Excludes fees and charges. Results do not constitute credit advice or an offer of finance, and your eligibility depends on a full assessment of your circumstances. Talk to us for figures based on your actual situation.

Common questions

Car & Asset Finance FAQs

Is broker car finance cheaper than dealer finance?
Often, yes, dealer finance can include commission margin in the rate, and the headline 'low rate' offers are frequently offset by a higher vehicle price or restrictive conditions. We compare a full panel of asset lenders so you can judge any dealer offer against the real market.
What is a balloon payment and should I have one?
A balloon (or residual) is a lump sum left owing at the end of the loan, which lowers your monthly repayments but means you still owe, say, 30% of the original amount at the end. It suits people who upgrade cars regularly or want cash-flow headroom; it costs more in total interest. We will show you both ways.
Can I get car finance if I'm self-employed?
Yes, asset lenders are generally flexible with ABN holders, and low-doc options exist where full financials are not available. Rates depend on your circumstances, but self-employment is rarely a barrier for vehicle and equipment finance.
Should my business buy the car on a chattel mortgage?
A chattel mortgage is the most common structure for business vehicles, the business owns the asset from day one and may claim depreciation, interest, and GST credits depending on its situation. Whether it beats a lease or hire purchase depends on your tax position, so we'll coordinate with your accountant.
How fast can finance be approved?
For straightforward applications, often within 24 to 48 hours, sometimes same-day. Having your documents ready (ID, income evidence or BAS for business) is the main factor. If you've found the car already, tell us your deadline and we'll work to it.

Found the car? Get the finance sorted.

Send an enquiry with what you're buying and we'll come back with options, usually within one business day.

Get StartedCall 0455 721 087
Get in touch

Start your enquiry.

Your information is kept confidential and used only to respond to your enquiry, as described in our Privacy Policy. Toukan Finance is an Authorised Credit Representative (CRN 577748) of Outsource Financial Pty Ltd (ACL 384324).

Call Daniel, 0455 721 087