VEHICLE & COMMERCIAL EQUIPMENT

Competitive Finance for Cars, Utes & Machinery.

Whether buying a family SUV, commercial trade vehicle, or heavy business equipment, we secure fast approvals and lower interest repayments from leading asset lenders.

FAST VEHICLE FUNDING

Smart Vehicle & Equipment Solutions

Dealership finance and point-of-sale offers often come loaded with inflated interest margins, balloon payment traps, and hidden administrative fees.

At Top Deal Finance, we act independently to compare top-tier asset lenders — including Angle Finance, Pepper Money, Macquarie, and major banks. We put you in the driver’s seat with upfront pre-approval before you negotiate with car yards or private sellers.

Consumer Car Loans

New and used car loans for personal, family, and luxury vehicles with competitive fixed rates and repayment terms from 1 to 7 years.

Chattel Mortgages for ABN

The most popular structure for tradies, businesses, and contractors. Claim upfront GST on the purchase price and enjoy depreciation tax benefits.

Heavy Machinery & Trucks

Fund commercial trucks, yellow goods, excavators, medical technology, and business machinery with cash-flow-friendly repayment structures.

Rapid 24-Hour Approvals

Fast-tracked credit turnaround so you can secure your vehicle or asset immediately without missing time-sensitive opportunities.

QUICK WORKFLOW

From Quote to Driving Away

01

Quick Quote

Tell us what vehicle or asset you want to purchase and your target budget in a 5-minute phone call.

02

Instant Pre-Approval

We lock in your interest rate and loan term, giving you cash-buyer bargaining power at dealerships.

03

Settlement & Keys

Once your invoice or private seller details are confirmed, the lender pays funds directly and you collect the vehicle!

ASSET FINANCE FAQS

Common Questions

Yes! We finance vehicles purchased through private sellers (such as via Carsales or Facebook Marketplace) as well as franchised dealerships. We coordinate vehicle identity and PPSR checks to protect you.

A balloon (or residual) payment is an agreed lump-sum amount left at the end of the loan term. This significantly reduces your regular monthly repayments, allowing business cash flow to remain high. At the end of the term, you can pay the balloon, refinance it, or trade the vehicle in.

In most cases, $0 deposit financing is available for approved applicants, meaning 100% of the vehicle invoice including on-road costs, registration, and insurance can be covered.

Call 0411 375 973