Australia-Wide Vehicle Finance & Car Loans
Fast, flexible vehicle finance for cars, utes, vans, motorbikes, caravans, boats and business vehicles — with access to 74+ Australian lenders.
Vehicle finance is a secured loan used to purchase a car, ute, van, motorbike, caravan, boat or business vehicle. Because the lender holds security over the vehicle, this type of finance is often more competitive than an unsecured personal loan for the same purchase.
Tigris Finance helps individuals, sole traders and business owners across Australia compare vehicle finance options from a panel of 74+ lenders. We help you get pre-approved before you buy, giving you confidence to negotiate with dealers or private sellers.
Vehicle finance solutions Australia-wide
Whether you're buying a new car, used vehicle, work ute, commercial van, caravan, motorbike or small fleet, Tigris Finance can help structure the right loan for your needs.
We compare lender options based on your income, credit profile, vehicle type, business use, loan term, repayment preference and whether a balloon payment may suit your cash flow.
Common vehicle finance options
Personal or business vehicle finance?
The best structure depends on how the vehicle will be used. PAYG employees may suit a personal car loan or novated lease, while sole traders, companies and trusts may benefit from business vehicle finance or a chattel mortgage.
If you're unsure which option is right, we can compare the available structures and explain the difference clearly before you apply.
Vehicle finance with Tigris Finance
Tigris Finance is a Brisbane finance brokerage founded by Wade Hogan. We broker vehicle finance Australia-wide across 74+ lenders, helping you compare options beyond dealer finance or your existing bank.
Process at a glance: complete a fast enquiry, receive pre-approval options, choose your vehicle and structure, then we manage the approval and settlement process with the dealer or vendor. Many vehicle finance applications can be approved within 24-72 hours depending on the lender and documentation.
What you'll find on this page: how vehicle finance works, common vehicle loan types, personal versus business structures, balloon payment considerations and answers to frequently asked questions.
Common uses for vehicle finance
New car loans
Brand-new car, ute or SUV from a franchised dealer. Manufacturer finance is occasionally the sharpest rate, but more often a manufactured deal that costs you elsewhere. We'll benchmark both.
Used car finance
Used cars from dealers, private sale, auction or online platforms (Carsales, AutoTrader, Pickles, Manheim). Pre-approval = strong negotiating position.
Business vehicle finance
Chattel mortgage, novated lease or commercial hire purchase for vehicles used in business. Tax-effective structures with GST claimable on the purchase.
Motorbike, ATV, scooter
Specialist motorbike lenders price these properly. Dealer finance on bikes is often significantly more expensive than broker-sourced finance.
Caravan & RV finance
New or used caravan, motorhome, camper trailer or RV. Some lenders treat these as vehicles, others as leisure goods. Pricing varies meaningfully.
Boat & marine finance
Tender, runabout, cabin cruiser, fishing boat, jet ski. Specialist marine lenders with terms suited to seasonal use.
Vehicle Finance FAQs
How much can I borrow for a car loan?
Australian vehicle lenders typically finance from $5,000 to $250,000+ for personal vehicles, with no real ceiling on business commercial vehicle finance. Approved amount depends on serviceability and the asset itself.
Should I get a chattel mortgage or a regular car loan?
If you're a business buyer (sole trader, company, trust) and using the vehicle for business, a chattel mortgage usually beats a consumer car loan on tax treatment. If you're a PAYG employee, a novated lease or consumer car loan is the right comparison.
Can I get pre-approved before I find the car?
Yes, and you should. Pre-approval gives you 30-60 days to shop with a maximum budget locked in, and lets you negotiate with the dealer as a cash buyer. Tigris Finance does pre-approval inside an hour in most cases.
Is a balloon payment worth it on a car loan?
Maybe. A balloon (residual) lowers your monthly repayment by deferring 20-40% of the loan to a single payment at the end. It can be smart if you plan to sell or refinance the car before that date. It's a trap if you just want to own it and stop paying.
Will the dealer give me a better rate than a broker?
Rarely. Dealer finance is a commission product for the dealership, not the customer. There are exceptions (manufacturer subsidised rates on slow-moving models) but the default assumption should be that a broker beats dealer finance on rate.
Related services
Where vehicle finance isn't quite the right fit, one of these probably is:
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