{"source":"Each lender's own published product data (Consumer Data Right Product Reference Data APIs, public and unauthenticated, business loans category), with a few terms it leaves out read from the lender's own fee guides and pages","licence_note":"Rates are published by each bank as public product reference data under the Consumer Data Right and are reproduced here as reference data with the source URL and the bank's own last-updated timestamp on every row. A few terms that data leaves out, such as fees, are read from the bank's own fee guides and pages, quoted, and re-checked daily. Business vehicle finance is priced deal by deal on the business, the vehicle and the term, so a published rate is usually the lowest or an indicative one; check with the lender before acting. This is not financial advice.","coverage_note":"Covers only lenders that publish business vehicle finance under the Consumer Data Right: banks, credit unions and a few non-banks. Most of the major banks list vehicle or equipment finance but publish no rate, because they price each deal; quote_only lists them. Non-bank asset financiers are not on the CDR register and are not included (checked 2026-10-18: Automotive Financial Services (AFS), Angle Finance, Metro Finance, Pepper and Toyota Finance are absent). Novated leases, operating leases and dealer or manufacturer finance are not covered.","rate_note":"Business vehicle finance is not consumer credit, so the National Credit Code's comparison rate rules do not apply and most lenders publish only an interest rate. Ranking is by that rate; comparison_rate is the lender's own figure where it publishes one. Fees are not in the rate: read annual_fee, upfront_fees and the lender's fee schedule (fees_url).","finance_type_note":"finance_type is read from the product name: loan (a goods loan or chattel mortgage: the business owns the vehicle from the start, secured over it), hire_purchase (the lender owns the vehicle until the last payment) or lease. GST credits, depreciation and interest deductions differ by type and by business; that is a question for the business's accountant.","comparison_rate_warning":"WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.","repayment_note":"est_monthly_repayment and est_total_interest are estimates on the slice's loan amount over 60 months, or over the loan's own longest term where it is shorter (repayment_term_months and repayment_basis say which), at the rate, excluding all fees and any balloon payment.","generated_at":"2026-11-13T01:40:40Z","brand_count":115,"brands_with_rates":10,"vehicles":["new","used","green"],"kinds":["any","fixed","variable"],"loans":[30000,60000,100000],"default":{"vehicle":"new","kind":"any","loan":60000},"ranking_rules":"One entry per bank per slice: its qualifying rate with the lowest rate (then comparison rate, where published), among rates that cover the vehicle, match the rate kind (any takes both) and whose loan amount band covers the slice's amount. The green slice takes each bank's green-only rates and its rates for new vehicles. Maximum and representative rates, revert rates, rates the lender's feed gives unreliably and loans for staff, students or a named profession are not ranked. Broker-only rates and lenders open only to certain occupations (restriction occupation_membership) are left out of these rankings; each slice file also carries entries_all, the same ranking with them in. A record not updated for more than 60 days before the fetch, or since before the Reserve Bank's latest cash rate change, is ranked with record_stale true and a condition saying so (unless its rate was confirmed on the bank's own website within that window and since that change).","slices":{"url_template":"https://deepalmanac.com/au/finance/business-car-loans/v1/best/{vehicle}/{kind}/{loan}.json","note":"One slice per vehicle, kind and loan amount, plus entries_all (broker-only and occupation-limited rates in); top/ holds each slice's top 10."},"quote_only_note":"Vehicle finance products the lender lists in its product data with no rate: it prices each deal, so ask it for a quote. A bank here and missing from a ranking still lends for vehicles.","quote_only":[{"brand":"ANZ","brand_label":"ANZ","brand_slug":"anz","product_id":"bb9843cd-bb64-41ac-bee4-f203b51acce2","product_name":"ANZ Asset Finance","finance_type":"loan","car_loan_basis":"vehicle_and_equipment","product_url":"https://www.anz.com.au/business/loans-finance/buy-vehicles-equipment/","terms_url":"https://www.anz.com.au/business/help-support/terms-conditions/?section=SBS&CID=af:obank:bb","fees_url":"https://www.anz.com.au/business/help-support/terms-conditions/?section=SBS&CID=af:obank:bb","eligibility_url":"https://www.anz.com.au/business/loans-finance/buy-vehicles-equipment/","description":"ANZ Vehicle and Equipment Finance offers flexible repayment options and can help you be financially ready for today, tomorrow and the unexpected.","bank_last_updated":"2026-05-10T14:00:00.000Z"},{"brand":"Bank of Melbourne","brand_label":"Bank of Melbourne","brand_slug":"bank-of-melbourne","product_id":"BOMEFGoodsLoan","product_name":"Goods Loan","finance_type":"loan","car_loan_basis":"vehicle_and_equipment","product_url":"https://www.bankofmelbourne.com.au/business/loans-finance/vehicle-equipment-finance/business-car-loans","terms_url":"https://www.bankofmelbourne.com.au/business/loans-finance/vehicle-equipment-finance/business-car-loans","fees_url":"https://www.bankofmelbourne.com.au/content/dam/bom/downloads/business/fees_bom.pdf","eligibility_url":"https://www.bankofmelbourne.com.au/business/loans-finance/vehicle-equipment-finance/business-car-loans","description":"A goods loan is the most popular type of business vehicle and equipment finance. With a goods loan, you source the vehicle and your business owns the vehicle from the beginning of the loan term without tying up valuable working capital. The loan is generally secured against the vehicle and your bus…","bank_last_updated":"2026-11-05T23:50:18Z"},{"brand":"BankSA","brand_label":"BankSA","brand_slug":"banksa","product_id":"BSAEFGoodsLoan","product_name":"Goods Loan","finance_type":"loan","car_loan_basis":"vehicle_and_equipment","product_url":"https://www.banksa.com.au/business/loans-finance/vehicle-equipment-finance/business-car-loans","terms_url":"https://www.banksa.com.au/business/loans-finance/vehicle-equipment-finance/business-car-loans","fees_url":"https://www.banksa.com.au/content/dam/bsa/downloads/business/fees_bsa.pdf","eligibility_url":"https://www.banksa.com.au/business/loans-finance/vehicle-equipment-finance/business-car-loans","description":"A goods loan is the most popular type of business vehicle and equipment finance. With a goods loan, you source the vehicle and your business owns the vehicle from the beginning of the loan term without tying up valuable working capital. The loan is generally secured against the vehicle and your bus…","bank_last_updated":"2026-11-05T23:50:18Z"},{"brand":"BOQ Specialist","brand_label":"BOQ Specialist","brand_slug":"boq-specialist","product_id":"1b186288-5c03-ee11-8f6e-00224814dce7","product_name":"Motor Vehicle Finance","finance_type":"loan","car_loan_basis":"name","product_url":"https://www.boqspecialist.com.au/practice-finance/asset-finance/vehicle-finance","terms_url":"https://www.boqspecialist.com.au/practice-finance/asset-finance/vehicle-finance","fees_url":"https://www.boqspecialist.com.au/practice-finance/asset-finance/vehicle-finance","eligibility_url":"https://www.boqspecialist.com.au/about","description":"Buying a car is all about a multitude of choices - colours, makes, optional extras and models. If a car gives you freedom of choice, why be limited to a car loan that doesn't offer the same? At BOQ Specialist, we offer a wide choice of tailored motor vehicle financing solutions and go to great leng…","bank_last_updated":"2026-10-21T04:43:20Z"},{"brand":"Judo Bank","brand_label":"Judo Bank","brand_slug":"judo-bank","product_id":"a5c9eb63-69cc-4783-b7cb-bec5e3e45261","product_name":"Judo Equipment Loan","finance_type":"loan","car_loan_basis":"vehicle_and_equipment","product_url":"https://www.judo.bank/","terms_url":null,"fees_url":null,"eligibility_url":null,"description":"Need funding to purchase business equipment or vehicles? Help preserve your working capital. Our Judo Bank equipment loan allows you to purchase the asset and pay it off over time.","bank_last_updated":"2026-08-06T05:16:33.528724Z"},{"brand":"St.George Bank","brand_label":"St.George Bank","brand_slug":"st-george-bank","product_id":"STGEFGoodsLoan","product_name":"Goods Loan","finance_type":"loan","car_loan_basis":"vehicle_and_equipment","product_url":"https://www.stgeorge.com.au/business/loans-finance/vehicle-equipment-finance/business-car-loans","terms_url":"https://www.stgeorge.com.au/business/loans-finance/vehicle-equipment-finance/business-car-loans","fees_url":"https://www.stgeorge.com.au/content/dam/stg/downloads/business/fees_sgb.pdf","eligibility_url":"https://www.stgeorge.com.au/business/loans-finance/vehicle-equipment-finance/business-car-loans","description":"A goods loan is the most popular type of business vehicle and equipment finance. With a goods loan, you source the vehicle and your business owns the vehicle from the beginning of the loan term without tying up valuable working capital. The loan is generally secured against the vehicle and your bus…","bank_last_updated":"2026-11-05T23:50:18Z"},{"brand":"Unity Bank","brand_label":"Unity Bank","brand_slug":"unity-bank","product_id":"L18_BUSINESS_VEHICLE_LOAN","product_name":"Business Vehicle Loan","finance_type":"loan","car_loan_basis":"name","product_url":"https://www.unity.bank/business/commercial-loan-products/business-vehicle-loan/","terms_url":"https://www.unity.bank/reusable-documents/disclosure-documents/account-and-access-facility-conditions-of-use/","fees_url":"https://www.unity.bank/help/rates-fees/","eligibility_url":"https://www.unity.bank/business/commercial-loan-products/business-vehicle-loan/","description":"Get a fixed business vehicle loan designed for business customers who need to replace, upgrade or purchase a new or used vehicle.","bank_last_updated":"2026-07-01T15:01:53.000+10:00"},{"brand":"Westpac","brand_label":"Westpac","brand_slug":"westpac","product_id":"WestpacCommercialHirePurchase","product_name":"Commercial Hire Purchase","finance_type":"hire_purchase","car_loan_basis":"vehicle_and_equipment","product_url":"https://www.westpac.com.au/business-banking/loans-finance/vehicle-equipment-finance/","terms_url":"https://www.westpac.com.au/business-banking/loans-finance/vehicle-equipment-finance/","fees_url":"https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/bb/fees_wbc.pdf","eligibility_url":"https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/bb/fees_wbc.pdf","description":"The Hire Purchase allows customers to acquire business assets without tying up valuable working capital. Westpac (the 'owner') purchases the asset at the customer's request gives the customer (the 'hirer') possession and use of an asset in return for regular payments until repaid.","bank_last_updated":"2026-10-28T02:47:07Z"}],"rankings":{"new":{"any":{"30000":[{"rank":1,"brand":"SWSbank","brand_label":"SWS Bank","brand_slug":"swsbank","product_id":"L30_FR_COMM_VL","product_name":"Fixed Rate Commercial Car","product_label":"Fixed Rate Commercial Car","product_url":"https://www.swsbank.com.au/loans/vehicle-loans/fixed-rate-commercial-vehicle-loan/","terms_url":"https://www.swsbank.com.au/help-support/important-information/disclosure-documents/","car_loan_basis":"name","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":84,"kind":"fixed","vehicles":["new","used","green"],"vehicle_age_min":null,"vehicle_age_max":3,"max_vehicle_age_months":36,"vehicle_age_quote":"Vehicles up to 36 months 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