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Australia-wide
Car loans for companies structured for business use
Compare car loans for companies across 50+ lenders and get help finding suitable finance for cars, utes or vans used in your business.
From 5.59% p.a.*
Approval in 60 min
No credit impact
Built around your company’s vehicle needs
Your finance structure can affect ownership, repayments and cash flow. We compare car loans for companies across chattel mortgage, hire purchase and lease-style options, helping match cars, utes and vans to the way your business uses them.
WHAT CUSTOMERS SAY
2800+ 5-Star Google reviews
HOW IT WORKS
3 steps to find a great rate
No branch visits. No stacks of paperwork. Just a quick form and we do the heavy lifting.
1. Complete your quote
Answer a few short questions about your situation. We won't touch your credit file.
→ 5 minutes
2. We match you to lenders
Our specialists assess your profile across 50+ lenders and find options suited to your circumstances.
→ We do the work
3. Approved and on your way
Get a decision fast, with many customers approved within the hour, and drive away with confidence.
→ As little as 60 minutes
OUR LENDER PANEL
50+ lenders competing for your business
WHY NATIONAL LOANS
Built for borrowers, not banks
We work for you — not the lenders. That means honest advice and competitive rates every time.
No credit impact
We assess your options before any hard enquiry hits your credit file.
Competitive lender options
We review lender rates and structures to identify options that fit your profile.
Fast approvals
Most customers receive a decision within an hour, often even sooner.
We work for you
Free car finder service
Fleet-priced new cars, quality used options, and flexible finance.
2,800+ 5-star reviews
Thousands of Aussies trust us for the right vehicle and real help.
New & used vehicles
Hatchbacks, SUVs, utes, luxury and classic — we finance them all.
Low credit solutions
Access to specialist lenders for imperfect credit histories.
Company car loans
FAQ
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Are car loans for companies different from personal car loans?
Yes. Car loans for companies are assessed based on the business entity, vehicle use, income, trading history, and loan structure, rather than only the individual driver. This can make the setup different from a standard personal car loan.
Should a company or trust structure be the borrower?
The borrower may be a company, trust or another related entity, depending on how the business is structured. We explain how lenders assess car loans for companies, while your accountant can confirm the most suitable ownership and tax setup.
How much can a company borrow for a vehicle?
Company vehicle finance can range from $20,000 to $2,000,000, depending on the vehicle, business income, trading history, credit profile and existing commitments. We review your enquiry and help match it with lenders suited to your company profile.
Can car loans for companies cover more than one vehicle?
Do lenders require personal guarantees on company applications?
Many lenders require director guarantees for company car loans, especially for newer entities, larger loan amounts, or limited trading history. We compare lender requirements upfront, including where a guarantee may be needed and where an application may be assessed more heavily on the company’s financial position.
What is a director ID, and why does it matter for finance?
A director ID is a unique number issued to company directors who verify their identity with Australian Business Registry Services. Directors of Australian companies must have one, and lenders may check company and director details during the application, so having your records in order can help avoid delays.
Should my company choose a chattel mortgage or a hire purchase?
A chattel mortgage usually gives your company ownership from the start, with the lender taking security over the vehicle. Hire purchase may suit businesses that prefer ownership to transfer after the final payment. We explain how each structure affects repayments, ownership and cash flow, while your accountant can confirm the most suitable tax treatment.
Can a GST-registered company claim input tax credits?
GST-registered companies may be able to claim input tax credits on the purchase price, depending on the vehicle’s use and the finance structure. We arrange the finance and help ensure the loan setup is clear for GST review.
What financial documents are needed for car loans for companies?
How quickly can approval happen?
After you request a quote, we will contact you to confirm your vehicle needs, business details, and the documents lenders may require. Approval timing depends on your company profile, loan amount, vehicle and lender assessment, but we help keep the process moving from enquiry to decision.
Can you help source the company vehicle?
Yes. Our dealer network can help your business source new and used vehicles, with car loans for companies arranged through the same streamlined process.
Find car loans built around your company
Move forward with finance options matched to your vehicles, business use and cash flow
* National Loans Pty Ltd (ABN 30 163 237 143), Australian Credit Licence #480781. The comparison rate shown is for a secured loan amount of $30,000 over a term of 5 years based on monthly repayments. WARNING: This comparison rate is true only for the examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. Any calculations or estimations do not constitute an offer of credit or a formal credit quote and are only a calculation of what you may be able to achieve based on the information you have entered. It does not take into account suitable product features or loan product types. Rates + repayments shown are based on user-inputted data. All applications for credit must be verified prior to the formal assessment process. All applications for credit approval are subject to lender credit approval. Approval is not guaranteed. By submitting an inquiry, National Loans will pass on your details to one of our network of Licensed Finance Brokers to assist.
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