Areas we serve · Australian Capital Territory
Car loans and equipment finance in Canberra
Canberra's economy is built around the public service and defence, and the professional services, construction and trade businesses that support them. New suburbs across Gungahlin, the Molonglo Valley and Tuggeranong keep builders and tradies busy, and plenty of households are financing a car for the daily commute. Whichever group you're in, the hard part is finding the lender that fits your situation rather than the one that advertises the most.
We compare 40+ lenders on rate, fees and approval criteria, handle the paperwork and pay Canberra and Queanbeyan dealers and private sellers directly. Everything is done by phone, email and e-signature, so being based in Melbourne makes no difference to how your loan works.
Often financed in Canberra
Finance for Canberra businesses and individuals
Car loans in Canberra
New or used, from a Canberra dealer or a private seller. We compare consumer and business car loans across 40+ lenders and look after the paperwork.
Car finance →Business vehicle finance in Canberra
Utes, vans and commercial vehicles for your business, usually on a chattel mortgage so you may be able to claim GST, depreciation and interest.
Commercial vehicle finance →Truck finance in Canberra
Light trucks, tippers, prime movers and trailers, new or used, with terms and balloon options to suit your cash flow.
Truck and trailer finance →Equipment and machinery finance in Canberra
Excavators, forklifts, workshop, office and medical equipment, from dealers, auctions or private sale.
Equipment finance →Chattel mortgage in Canberra
The most common way businesses finance vehicles and equipment: you own the asset from day one and the lender holds it as security.
Chattel mortgage vs lease →Low-doc and ABN car loans in Canberra
Self-employed or a new ABN holder? Several of our lenders accept BAS statements, bank statements or an accountant's letter instead of full tax returns.
Low-doc car loans →What we finance across the ACT
Construction is one of the ACT's biggest private-sector industries, so much of what we finance in Canberra is utes, vans, tippers and earthmoving equipment for builders, civil contractors and trades. We also help consultants and contractors who work with government, and self-employed Canberrans and new ABN holders who've been knocked back by a bank because their tax returns don't yet show their real income. Across the border in Queanbeyan and the surrounding region, it's the same process and the same panel of lenders.
How it works from Canberra
- Quote: call 0424 777 688 or use our online quote tool. We'll ask about the vehicle or equipment, your income or business and your timing.
- Compare: we check 40+ lenders and recommend the one that fits, with the rate, fees and repayments in writing.
- Documents: send ID, bank statements and the invoice or seller details by email.
- Sign and settle: you sign electronically, and the lender pays the dealer, seller or you directly.
No trip to Melbourne, and no waiting for a local branch appointment. We're based in South Melbourne and arrange car, truck and equipment finance for clients right across Australia.
FAQs
Do I need to come into the office?
No. Everything is done by phone, email and e-signature, wherever you are in the ACT.
Can you finance a vehicle from a dealer or private seller in Canberra?
Yes. The lender pays the dealer or private seller directly once the loan settles. For private sales, the lender checks nothing is owing on the vehicle first.
Can I get a car loan in Canberra if I'm self-employed?
Often, yes. Several of our lenders offer low-doc car and equipment loans for ABN holders using BAS or bank statements instead of full tax returns. Rates and deposit requirements depend on your situation.
What is a chattel mortgage?
A business loan to buy a vehicle or equipment. You own the asset from the start and the lender holds it as security until the loan is repaid. Speak to your accountant about the tax treatment for your business.
Does it cost anything to use you?
We may charge a broker fee, and we receive commission from the lender. Both are set out in your quote and our Credit Guide before you go ahead.
Car dealers in Canberra: become a referral partner
Sell cars, utes, trucks or equipment in Canberra? Send us customers who need finance and we'll look after them from quote to settlement, all by phone and email. Our referral program is open to dealers and brokers Australia-wide.
Finance we arrange
General information only. It doesn't take into account your objectives, financial situation or needs. Credit criteria, fees and charges apply. My Finance Hub is a Credit Representative (553769) of Purple Circle Financial Services (Australian Credit Licence 486112).