{
  "vehicle": "new",
  "kind": "any",
  "loan": 60000,
  "term_months": 60,
  "generated_at": "2026-11-13T01:40:40Z",
  "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.",
  "comparison_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).",
  "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.",
  "before_answering": "https://deepalmanac.com/au/finance/business-car-loans/v1/questions.json lists what to ask the reader first (new, used or green vehicle; fixed or variable; loan amount), and what is most often misread here: rates are indicative and priced per deal, there is usually no comparison rate, most major banks quote only, and finance types differ for tax. Some vehicle loans limit the age of the car (max_vehicle_age_months, with the lender's sentence in vehicle_age_quote).",
  "entries": [
    {
      "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 old",
      "security": null,
      "term_min_months": null,
      "term_max_months": null,
      "rate": 0.0599,
      "rate_pct": 5.99,
      "rate_published_pct": 5.99,
      "rate_unreliable": false,
      "comparison_rate": 0.0599,
      "comparison_rate_pct": 5.99,
      "comparison_basis": null,
      "rate_max_pct": null,
      "comparison_rate_max_pct": null,
      "risk_based": false,
      "credit_band": null,
      "loan_min": 1000.0,
      "loan_max": 200000.0,
      "max_lvr": null,
      "redraw": true,
      "annual_fee": null,
      "upfront_fees": null,
      "restrictions": [],
      "conditions": [
        "confirmed on the lender's website on 2026-11-06, though the record dates from 2025-12-16",
        "vehicles up to 3 years old",
        "vehicles up to 36 months old",
        "car, van, truck or trailer"
      ],
      "record_stale": false,
      "record_correction": "confirmed on the lender's website on 2026-11-06, though the record dates from 2025-12-16",
      "source_url": "https://online.swsbank.com.au/openbanking/cds-au/v1/banking/products/L30_FR_COMM_VL",
      "source_snapshot": "/au/finance/business-car-loans/v1/source/swsbank/L30_FR_COMM_VL.json",
      "bank_last_updated": "2025-12-16T14:22:04.000+11:00",
      "finance_type": "loan",
      "fees_url": "https://www.swsbank.com.au/help-support/rates-fees/fees-and-charges/",
      "est_monthly_repayment": 1159.69,
      "est_total_interest": 9581,
      "repayment_term_months": 60,
      "repayment_basis": "60 months at the rate, before fees"
    },
    {
      "rank": 2,
      "brand": "Police Credit Union Ltd",
      "brand_label": "Police Credit Union",
      "brand_slug": "police-credit-union-ltd",
      "product_id": "Commercial_Vehicle_Fixed",
      "product_name": "Commercial Vehicle Fixed Loan",
      "product_label": "Commercial Vehicle Fixed Loan",
      "product_url": "https://www.policecu.com.au/business-lending/#business-lending",
      "terms_url": "https://www.policecu.com.au/business-lending/#our-business-lending-options-include",
      "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": null,
      "max_vehicle_age_months": null,
      "vehicle_age_quote": null,
      "security": null,
      "term_min_months": null,
      "term_max_months": null,
      "rate": 0.0649,
      "rate_pct": 6.49,
      "rate_published_pct": 6.49,
      "rate_unreliable": false,
      "comparison_rate": null,
      "comparison_rate_pct": null,
      "comparison_basis": null,
      "rate_max_pct": null,
      "comparison_rate_max_pct": null,
      "risk_based": false,
      "credit_band": null,
      "loan_min": 40000.0,
      "loan_max": null,
      "max_lvr": null,
      "redraw": false,
      "annual_fee": null,
      "upfront_fees": 295.0,
      "restrictions": [],
      "conditions": [
        "fixed 1 to 7 years from 6.49% (minimum $40,000)"
      ],
      "record_stale": false,
      "record_correction": null,
      "source_url": "https://api.policecu.com.au/OpenBanking/cds-au/v1/banking/products/Commercial_Vehicle_Fixed",
      "source_snapshot": "/au/finance/business-car-loans/v1/source/police-credit-union-ltd/Commercial_Vehicle_Fixed.json",
      "bank_last_updated": "2026-11-06T14:54:30.000+10:30",
      "finance_type": "loan",
      "fees_url": "https://www.policecu.com.au/PCUDocuments/Fees_and_Charges_Business_Banking_Credit.pdf",
      "est_monthly_repayment": 1173.69,
      "est_total_interest": 10421,
      "repayment_term_months": 60,
      "repayment_basis": "60 months at the rate, before fees"
    },
    {
      "rank": 3,
      "brand": "Queensland Country Bank",
      "brand_label": "Queensland Country Bank",
      "brand_slug": "queensland-country-bank",
      "product_id": "44",
      "product_name": "Commercial Loan - Secured",
      "product_label": "Commercial Loan - Secured",
      "product_url": "https://www.queenslandcountry.bank/business-banking/business-finance/business-loans/",
      "terms_url": "https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_account-access-facility.pdf",
      "car_loan_basis": "rate_text",
      "rate_kind": "variable",
      "lending_rate_type": "VARIABLE",
      "fixed_months": null,
      "kind": "variable",
      "vehicles": [
        "new",
        "green"
      ],
      "vehicle_age_min": null,
      "vehicle_age_max": null,
      "max_vehicle_age_months": null,
      "vehicle_age_quote": null,
      "security": "secured",
      "term_min_months": null,
      "term_max_months": null,
      "rate": 0.0674,
      "rate_pct": 6.74,
      "rate_published_pct": 6.74,
      "rate_unreliable": false,
      "comparison_rate": null,
      "comparison_rate_pct": null,
      "comparison_basis": null,
      "rate_max_pct": null,
      "comparison_rate_max_pct": null,
      "risk_based": false,
      "credit_band": null,
      "loan_min": 10000.0,
      "loan_max": null,
      "max_lvr": null,
      "redraw": true,
      "annual_fee": 60.0,
      "upfront_fees": 150.0,
      "restrictions": [],
      "conditions": [
        "new vehicles only",
        "rate set at assessment; a margin above or below may apply",
        "special rate for new lending only, not for restructuring existing Queensland Country loans",
        "car rates: new or demo cars, or cars up to 3 years old (higher rate)"
      ],
      "record_stale": false,
      "record_correction": null,
      "source_url": "https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/44",
      "source_snapshot": "/au/finance/business-car-loans/v1/source/queensland-country-bank/44.json",
      "bank_last_updated": "2026-11-13T00:00:23.8091263Z",
      "finance_type": "loan",
      "fees_url": "https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_fees-charges.pdf",
      "est_monthly_repayment": 1180.73,
      "est_total_interest": 10844,
      "repayment_term_months": 60,
      "repayment_basis": "60 months at the rate, before fees"
    },
    {
      "rank": 4,
      "brand": "Beyond Bank Australia",
      "brand_label": "Beyond Bank Australia",
      "brand_slug": "beyond-bank-australia",
      "product_id": "56",
      "product_name": "Business Loan",
      "product_label": "Business Loan",
      "product_url": "https://www.beyondbank.com.au/business/lending/business-loan/",
      "terms_url": "https://www.beyondbank.com.au/business/lending/business-loan/",
      "car_loan_basis": "rate_text",
      "rate_kind": "fixed",
      "lending_rate_type": "FIXED",
      "fixed_months": 84,
      "kind": "fixed",
      "vehicles": [
        "new",
        "green"
      ],
      "vehicle_age_min": null,
      "vehicle_age_max": null,
      "max_vehicle_age_months": null,
      "vehicle_age_quote": null,
      "security": null,
      "term_min_months": 12,
      "term_max_months": 84,
      "rate": 0.0704,
      "rate_pct": 7.04,
      "rate_published_pct": 7.04,
      "rate_unreliable": false,
      "comparison_rate": 0.0805,
      "comparison_rate_pct": 8.05,
      "comparison_basis": null,
      "rate_max_pct": null,
      "comparison_rate_max_pct": null,
      "risk_based": false,
      "credit_band": null,
      "loan_min": 5000.0,
      "loan_max": 140000.0,
      "max_lvr": 100.0,
      "redraw": false,
      "annual_fee": null,
      "upfront_fees": null,
      "restrictions": [
        "special_offer"
      ],
      "conditions": [
        "confirmed on the lender's website on 2026-10-19; the special offer is for vehicles up to 2 years old",
        "new vehicles only",
        "special offer, may end without notice",
        "special offer rate only for vehicles up to 2 years old",
        "a margin may be added to the rate depending on the borrower and the security",
        "borrowers automatically become Beyond Bank members"
      ],
      "record_stale": false,
      "record_correction": "confirmed on the lender's website on 2026-10-19; the special offer is for vehicles up to 2 years old",
      "source_url": "https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/56",
      "source_snapshot": "/au/finance/business-car-loans/v1/source/beyond-bank-australia/56.json",
      "bank_last_updated": "2026-10-06T12:00:30.3824864Z",
      "finance_type": "loan",
      "fees_url": "https://www.beyondbank.com.au/business/lending/business-loan/",
      "est_monthly_repayment": 1189.2,
      "est_total_interest": 11352,
      "repayment_term_months": 60,
      "repayment_basis": "60 months at the rate, before fees"
    },
    {
      "rank": 5,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_id": "BUSINESS_VEHICLE_LOAN",
      "product_name": "BUSINESS VEHICLE LOAN",
      "product_label": "Business Vehicle Loan",
      "product_url": "https://www.sccu.com.au/business-finance/business-vehicle-loan/",
      "terms_url": "https://www.sccu.com.au/sccu-loan-contract-general-terms-and-conditions/",
      "car_loan_basis": "name",
      "rate_kind": "fixed",
      "lending_rate_type": "FIXED",
      "fixed_months": 60,
      "kind": "fixed",
      "vehicles": [
        "new",
        "green"
      ],
      "vehicle_age_min": null,
      "vehicle_age_max": null,
      "max_vehicle_age_months": null,
      "vehicle_age_quote": null,
      "security": null,
      "term_min_months": null,
      "term_max_months": null,
      "rate": 0.076,
      "rate_pct": 7.6,
      "rate_published_pct": 7.6,
      "rate_unreliable": false,
      "comparison_rate": null,
      "comparison_rate_pct": null,
      "comparison_basis": null,
      "rate_max_pct": null,
      "comparison_rate_max_pct": null,
      "risk_based": false,
      "credit_band": null,
      "loan_min": 20000.0,
      "loan_max": 150000.0,
      "max_lvr": null,
      "redraw": false,
      "annual_fee": null,
      "upfront_fees": null,
      "restrictions": [],
      "conditions": [
        "confirmed on the lender's website on 2026-10-19: new or demonstrator vehicles up to 4.5 tonnes GVM, $20,000 to $150,000, 1 to 5 years, $375 establishment fee and $8 a month",
        "new vehicles only",
        "new or demonstrator vehicles up to 4.5 tonnes GVM, registered in the business name",
        "vehicle mainly used for business",
        "sole traders, partnerships or companies registered in Australia with an Australian residential address",
        "comprehensive motor insurance required on the vehicle",
        "break cost on fixed-rate early payout or extra repayments above $10,000 a year",
        "$375 establishment fee and $8 monthly fee"
      ],
      "record_stale": false,
      "record_correction": "confirmed on the lender's website on 2026-10-19: new or demonstrator vehicles up to 4.5 tonnes GVM, $20,000 to $150,000, 1 to 5 years, $375 establishment fee and $8 a month",
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/BUSINESS_VEHICLE_LOAN",
      "source_snapshot": "/au/finance/business-car-loans/v1/source/southern-cross-credit-union/BUSINESS_VEHICLE_LOAN.json",
      "bank_last_updated": "2026-06-09T11:07:31.000+10:00",
      "finance_type": "loan",
      "fees_url": "https://www.sccu.com.au/Schedule-of-Fees-and-Charges-Business-Loan-Products",
      "est_monthly_repayment": 1205.13,
      "est_total_interest": 12308,
      "repayment_term_months": 60,
      "repayment_basis": "60 months at the rate, before fees"
    },
    {
      "rank": 6,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_id": "a443a21d7a7a4a339e850a3c1ead0c12",
      "product_name": "Equipment Loan",
      "product_label": "Equipment Loan",
      "product_url": "https://www.commbank.com.au/business/loans-and-finance/car-and-equipment-finance.html",
      "terms_url": "https://www.commbank.com.au/content/dam/commbank-assets/business/loans-finance/docs/current-tcs-asset-finance.pdf",
      "car_loan_basis": "vehicle_and_equipment",
      "rate_kind": "fixed",
      "lending_rate_type": "FIXED",
      "fixed_months": 12,
      "kind": "fixed",
      "vehicles": [
        "new",
        "used",
        "green"
      ],
      "vehicle_age_min": null,
      "vehicle_age_max": null,
      "max_vehicle_age_months": null,
      "vehicle_age_quote": null,
      "security": null,
      "term_min_months": null,
      "term_max_months": 12,
      "rate": 0.0859,
      "rate_pct": 8.59,
      "rate_published_pct": 8.59,
      "rate_unreliable": false,
      "comparison_rate": null,
      "comparison_rate_pct": null,
      "comparison_basis": null,
      "rate_max_pct": null,
      "comparison_rate_max_pct": null,
      "risk_based": true,
      "credit_band": null,
      "loan_min": 20000.0,
      "loan_max": null,
      "max_lvr": null,
      "redraw": false,
      "annual_fee": null,
      "upfront_fees": 595.0,
      "restrictions": [],
      "conditions": [
        "loan term 12 months; repayments here are estimated over 12 months, its longest term",
        "Rate depends on your credit history",
        "vehicle and equipment finance: the same product finances other business assets",
        "business trading for 12 months or more",
        "vehicle or equipment used mostly or entirely for business",
        "custom pricing; rate quoted per application",
        "early payout only if CommBank agrees; fixed-rate loans pay an Early Repayment Adjustment (break cost)"
      ],
      "record_stale": false,
      "record_correction": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/a443a21d7a7a4a339e850a3c1ead0c12",
      "source_snapshot": "/au/finance/business-car-loans/v1/source/commbank/a443a21d7a7a4a339e850a3c1ead0c12.json",
      "bank_last_updated": "2026-11-13T02:15:34.000Z",
      "finance_type": "loan",
      "fees_url": "https://www2.my.commbank.com.au/netbank/container/ESD/AssetFinance.Quote/ContainerLaunch",
      "est_monthly_repayment": 5235.69,
      "est_total_interest": 2828,
      "repayment_term_months": 12,
      "repayment_basis": "12 months at the rate, before fees: the loan's longest term, shorter than the usual 60"
    },
    {
      "rank": 7,
      "brand": "Liberty Financial",
      "brand_label": "Liberty Financial",
      "brand_slug": "liberty-financial",
      "product_id": "25a81184-730a-4d35-a2e1-f19a00f7ad2c",
      "product_name": "Business car loan",
      "product_label": "Business Car Loan",
      "product_url": "https://liberty.com.au/car-loans/business-car-loans",
      "terms_url": null,
      "car_loan_basis": "name",
      "rate_kind": "fixed",
      "lending_rate_type": "VARIABLE",
      "fixed_months": null,
      "kind": "fixed",
      "vehicles": [
        "new",
        "used",
        "green"
      ],
      "vehicle_age_min": null,
      "vehicle_age_max": null,
      "max_vehicle_age_months": null,
      "vehicle_age_quote": null,
      "security": null,
      "term_min_months": 24,
      "term_max_months": 84,
      "rate": 0.0979,
      "rate_pct": 9.79,
      "rate_published_pct": 9.79,
      "rate_unreliable": false,
      "comparison_rate": null,
      "comparison_rate_pct": null,
      "comparison_basis": null,
      "rate_max_pct": null,
      "comparison_rate_max_pct": null,
      "risk_based": false,
      "credit_band": null,
      "loan_min": 5000.0,
      "loan_max": 100000.0,
      "max_lvr": null,
      "redraw": false,
      "annual_fee": 120.0,
      "upfront_fees": null,
      "restrictions": [],
      "conditions": [
        "confirmed on the lender's website on 2026-11-13 (\"Rates from 9.79% p.a.\"), which gives it as a fixed rate (the feed, republished 2026-11-10, still says variable), from $5,000 to $100,000 ($35,000 if not registered for GST); older vehicles pay more",
        "with a balloon, vehicle at most 8 years old at end of term",
        "maximum $35,000 if not registered for GST; $50,000 for a start-up",
        "higher rates (loadings) for older vehicles"
      ],
      "record_stale": false,
      "record_correction": "confirmed on the lender's website on 2026-11-13 (\"Rates from 9.79% p.a.\"), which gives it as a fixed rate (the feed, republished 2026-11-10, still says variable), from $5,000 to $100,000 ($35,000 if not registered for GST); older vehicles pay more",
      "source_url": "https://services.liberty.com.au/api/data-holder-public/cds-au/v1/banking/products/25a81184-730a-4d35-a2e1-f19a00f7ad2c",
      "source_snapshot": "/au/finance/business-car-loans/v1/source/liberty-financial/25a81184-730a-4d35-a2e1-f19a00f7ad2c.json",
      "bank_last_updated": "2026-11-10T13:00:00Z",
      "finance_type": "loan",
      "fees_url": null,
      "est_monthly_repayment": 1268.63,
      "est_total_interest": 16118,
      "repayment_term_months": 60,
      "repayment_basis": "60 months at the rate, before fees"
    }
  ],
  "entries_all": [
    {
      "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 old",
      "security": null,
      "term_min_months": null,
      "term_max_months": null,
      "rate": 0.0599,
      "rate_pct": 5.99,
      "rate_published_pct": 5.99,
      "rate_unreliable": false,
      "comparison_rate": 0.0599,
      "comparison_rate_pct": 5.99,
      "comparison_basis": null,
      "rate_max_pct": null,
      "comparison_rate_max_pct": null,
      "risk_based": false,
      "credit_band": null,
      "loan_min": 1000.0,
      "loan_max": 200000.0,
      "max_lvr": null,
      "redraw": true,
      "annual_fee": null,
      "upfront_fees": null,
      "restrictions": [],
      "conditions": [
        "confirmed on the lender's website on 2026-11-06, though the record dates from 2025-12-16",
        "vehicles up to 3 years old",
        "vehicles up to 36 months old",
        "car, van, truck or trailer"
      ],
      "record_stale": false,
      "record_correction": "confirmed on the lender's website on 2026-11-06, though the record dates from 2025-12-16",
      "source_url": "https://online.swsbank.com.au/openbanking/cds-au/v1/banking/products/L30_FR_COMM_VL",
      "source_snapshot": "/au/finance/business-car-loans/v1/source/swsbank/L30_FR_COMM_VL.json",
      "bank_last_updated": "2025-12-16T14:22:04.000+11:00",
      "finance_type": "loan",
      "fees_url": "https://www.swsbank.com.au/help-support/rates-fees/fees-and-charges/",
      "est_monthly_repayment": 1159.69,
      "est_total_interest": 9581,
      "repayment_term_months": 60,
      "repayment_basis": "60 months at the rate, before fees"
    },
    {
      "rank": 2,
      "brand": "Police Credit Union Ltd",
      "brand_label": "Police Credit Union",
      "brand_slug": "police-credit-union-ltd",
      "product_id": "Commercial_Vehicle_Fixed",
      "product_name": "Commercial Vehicle Fixed Loan",
      "product_label": "Commercial Vehicle Fixed Loan",
      "product_url": "https://www.policecu.com.au/business-lending/#business-lending",
      "terms_url": "https://www.policecu.com.au/business-lending/#our-business-lending-options-include",
      "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": null,
      "max_vehicle_age_months": null,
      "vehicle_age_quote": null,
      "security": null,
      "term_min_months": null,
      "term_max_months": null,
      "rate": 0.0649,
      "rate_pct": 6.49,
      "rate_published_pct": 6.49,
      "rate_unreliable": false,
      "comparison_rate": null,
      "comparison_rate_pct": null,
      "comparison_basis": null,
      "rate_max_pct": null,
      "comparison_rate_max_pct": null,
      "risk_based": false,
      "credit_band": null,
      "loan_min": 40000.0,
      "loan_max": null,
      "max_lvr": null,
      "redraw": false,
      "annual_fee": null,
      "upfront_fees": 295.0,
      "restrictions": [],
      "conditions": [
        "fixed 1 to 7 years from 6.49% (minimum $40,000)"
      ],
      "record_stale": false,
      "record_correction": null,
      "source_url": "https://api.policecu.com.au/OpenBanking/cds-au/v1/banking/products/Commercial_Vehicle_Fixed",
      "source_snapshot": "/au/finance/business-car-loans/v1/source/police-credit-union-ltd/Commercial_Vehicle_Fixed.json",
      "bank_last_updated": "2026-11-06T14:54:30.000+10:30",
      "finance_type": "loan",
      "fees_url": "https://www.policecu.com.au/PCUDocuments/Fees_and_Charges_Business_Banking_Credit.pdf",
      "est_monthly_repayment": 1173.69,
      "est_total_interest": 10421,
      "repayment_term_months": 60,
      "repayment_basis": "60 months at the rate, before fees"
    },
    {
      "rank": 3,
      "brand": "Queensland Country Bank",
      "brand_label": "Queensland Country Bank",
      "brand_slug": "queensland-country-bank",
      "product_id": "44",
      "product_name": "Commercial Loan - Secured",
      "product_label": "Commercial Loan - Secured",
      "product_url": "https://www.queenslandcountry.bank/business-banking/business-finance/business-loans/",
      "terms_url": "https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_account-access-facility.pdf",
      "car_loan_basis": "rate_text",
      "rate_kind": "variable",
      "lending_rate_type": "VARIABLE",
      "fixed_months": null,
      "kind": "variable",
      "vehicles": [
        "new",
        "green"
      ],
      "vehicle_age_min": null,
      "vehicle_age_max": null,
      "max_vehicle_age_months": null,
      "vehicle_age_quote": null,
      "security": "secured",
      "term_min_months": null,
      "term_max_months": null,
      "rate": 0.0674,
      "rate_pct": 6.74,
      "rate_published_pct": 6.74,
      "rate_unreliable": false,
      "comparison_rate": null,
      "comparison_rate_pct": null,
      "comparison_basis": null,
      "rate_max_pct": null,
      "comparison_rate_max_pct": null,
      "risk_based": false,
      "credit_band": null,
      "loan_min": 10000.0,
      "loan_max": null,
      "max_lvr": null,
      "redraw": true,
      "annual_fee": 60.0,
      "upfront_fees": 150.0,
      "restrictions": [],
      "conditions": [
        "new vehicles only",
        "rate set at assessment; a margin above or below may apply",
        "special rate for new lending only, not for restructuring existing Queensland Country loans",
        "car rates: new or demo cars, or cars up to 3 years old (higher rate)"
      ],
      "record_stale": false,
      "record_correction": null,
      "source_url": "https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/44",
      "source_snapshot": "/au/finance/business-car-loans/v1/source/queensland-country-bank/44.json",
      "bank_last_updated": "2026-11-13T00:00:23.8091263Z",
      "finance_type": "loan",
      "fees_url": "https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_fees-charges.pdf",
      "est_monthly_repayment": 1180.73,
      "est_total_interest": 10844,
      "repayment_term_months": 60,
      "repayment_basis": "60 months at the rate, before fees"
    },
    {
      "rank": 4,
      "brand": "Beyond Bank Australia",
      "brand_label": "Beyond Bank Australia",
      "brand_slug": "beyond-bank-australia",
      "product_id": "56",
      "product_name": "Business Loan",
      "product_label": "Business Loan",
      "product_url": "https://www.beyondbank.com.au/business/lending/business-loan/",
      "terms_url": "https://www.beyondbank.com.au/business/lending/business-loan/",
      "car_loan_basis": "rate_text",
      "rate_kind": "fixed",
      "lending_rate_type": "FIXED",
      "fixed_months": 84,
      "kind": "fixed",
      "vehicles": [
        "new",
        "green"
      ],
      "vehicle_age_min": null,
      "vehicle_age_max": null,
      "max_vehicle_age_months": null,
      "vehicle_age_quote": null,
      "security": null,
      "term_min_months": 12,
      "term_max_months": 84,
      "rate": 0.0704,
      "rate_pct": 7.04,
      "rate_published_pct": 7.04,
      "rate_unreliable": false,
      "comparison_rate": 0.0805,
      "comparison_rate_pct": 8.05,
      "comparison_basis": null,
      "rate_max_pct": null,
      "comparison_rate_max_pct": null,
      "risk_based": false,
      "credit_band": null,
      "loan_min": 5000.0,
      "loan_max": 140000.0,
      "max_lvr": 100.0,
      "redraw": false,
      "annual_fee": null,
      "upfront_fees": null,
      "restrictions": [
        "special_offer"
      ],
      "conditions": [
        "confirmed on the lender's website on 2026-10-19; the special offer is for vehicles up to 2 years old",
        "new vehicles only",
        "special offer, may end without notice",
        "special offer rate only for vehicles up to 2 years old",
        "a margin may be added to the rate depending on the borrower and the security",
        "borrowers automatically become Beyond Bank members"
      ],
      "record_stale": false,
      "record_correction": "confirmed on the lender's website on 2026-10-19; the special offer is for vehicles up to 2 years old",
      "source_url": "https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/56",
      "source_snapshot": "/au/finance/business-car-loans/v1/source/beyond-bank-australia/56.json",
      "bank_last_updated": "2026-10-06T12:00:30.3824864Z",
      "finance_type": "loan",
      "fees_url": "https://www.beyondbank.com.au/business/lending/business-loan/",
      "est_monthly_repayment": 1189.2,
      "est_total_interest": 11352,
      "repayment_term_months": 60,
      "repayment_basis": "60 months at the rate, before fees"
    },
    {
      "rank": 5,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_id": "MOTORSCOUT_BUSINESS_VEHICLE_LOAN",
      "product_name": "MOTOR SCOUT BUSINESS VEHICLE LOAN",
      "product_label": "Motor Scout Business Vehicle Loan",
      "product_url": "https://www.sccu.com.au/business-finance/business-vehicle-loan/",
      "terms_url": "https://www.sccu.com.au/sccu-loan-contract-general-terms-and-conditions/",
      "car_loan_basis": "name",
      "rate_kind": "fixed",
      "lending_rate_type": "FIXED",
      "fixed_months": 36,
      "kind": "fixed",
      "vehicles": [
        "new",
        "green"
      ],
      "vehicle_age_min": null,
      "vehicle_age_max": null,
      "max_vehicle_age_months": null,
      "vehicle_age_quote": null,
      "security": null,
      "term_min_months": null,
      "term_max_months": null,
      "rate": 0.076,
      "rate_pct": 7.6,
      "rate_published_pct": 7.6,
      "rate_unreliable": false,
      "comparison_rate": 0.0997,
      "comparison_rate_pct": 9.97,
      "comparison_basis": null,
      "rate_max_pct": null,
      "comparison_rate_max_pct": null,
      "risk_based": false,
      "credit_band": null,
      "loan_min": 20000.0,
      "loan_max": 150000.0,
      "max_lvr": null,
      "redraw": false,
      "annual_fee": 96.0,
      "upfront_fees": 375.0,
      "restrictions": [
        "broker_only"
      ],
      "conditions": [
        "confirmed on the lender's website on 2026-10-30: the Business Vehicle Loan page gives 7.60% fixed and names Motor Scout as its car buying service",
        "new vehicles only",
        "through a broker or introducer only",
        "new or demonstrator vehicles up to 4.5 tonnes GVM, registered in the business name",
        "vehicle mainly used for business",
        "sole traders, partnerships or companies registered in Australia with an Australian residential address",
        "comprehensive motor insurance required on the vehicle",
        "break cost on fixed-rate early payout or extra repayments above $10,000 a year"
      ],
      "record_stale": false,
      "record_correction": "confirmed on the lender's website on 2026-10-30: the Business Vehicle Loan page gives 7.60% fixed and names Motor Scout as its car buying service",
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/MOTORSCOUT_BUSINESS_VEHICLE_LOAN",
      "source_snapshot": "/au/finance/business-car-loans/v1/source/southern-cross-credit-union/MOTORSCOUT_BUSINESS_VEHICLE_LOAN.json",
      "bank_last_updated": "2026-06-30T21:40:50.000+10:00",
      "finance_type": "loan",
      "fees_url": null,
      "est_monthly_repayment": 1205.13,
      "est_total_interest": 12308,
      "repayment_term_months": 60,
      "repayment_basis": "60 months at the rate, before fees"
    },
    {
      "rank": 6,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_id": "a443a21d7a7a4a339e850a3c1ead0c12",
      "product_name": "Equipment Loan",
      "product_label": "Equipment Loan",
      "product_url": "https://www.commbank.com.au/business/loans-and-finance/car-and-equipment-finance.html",
      "terms_url": "https://www.commbank.com.au/content/dam/commbank-assets/business/loans-finance/docs/current-tcs-asset-finance.pdf",
      "car_loan_basis": "vehicle_and_equipment",
      "rate_kind": "fixed",
      "lending_rate_type": "FIXED",
      "fixed_months": 12,
      "kind": "fixed",
      "vehicles": [
        "new",
        "used",
        "green"
      ],
      "vehicle_age_min": null,
      "vehicle_age_max": null,
      "max_vehicle_age_months": null,
      "vehicle_age_quote": null,
      "security": null,
      "term_min_months": null,
      "term_max_months": 12,
      "rate": 0.0859,
      "rate_pct": 8.59,
      "rate_published_pct": 8.59,
      "rate_unreliable": false,
      "comparison_rate": null,
      "comparison_rate_pct": null,
      "comparison_basis": null,
      "rate_max_pct": null,
      "comparison_rate_max_pct": null,
      "risk_based": true,
      "credit_band": null,
      "loan_min": 20000.0,
      "loan_max": null,
      "max_lvr": null,
      "redraw": false,
      "annual_fee": null,
      "upfront_fees": 595.0,
      "restrictions": [],
      "conditions": [
        "loan term 12 months; repayments here are estimated over 12 months, its longest term",
        "Rate depends on your credit history",
        "vehicle and equipment finance: the same product finances other business assets",
        "business trading for 12 months or more",
        "vehicle or equipment used mostly or entirely for business",
        "custom pricing; rate quoted per application",
        "early payout only if CommBank agrees; fixed-rate loans pay an Early Repayment Adjustment (break cost)"
      ],
      "record_stale": false,
      "record_correction": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/a443a21d7a7a4a339e850a3c1ead0c12",
      "source_snapshot": "/au/finance/business-car-loans/v1/source/commbank/a443a21d7a7a4a339e850a3c1ead0c12.json",
      "bank_last_updated": "2026-11-13T02:15:34.000Z",
      "finance_type": "loan",
      "fees_url": "https://www2.my.commbank.com.au/netbank/container/ESD/AssetFinance.Quote/ContainerLaunch",
      "est_monthly_repayment": 5235.69,
      "est_total_interest": 2828,
      "repayment_term_months": 12,
      "repayment_basis": "12 months at the rate, before fees: the loan's longest term, shorter than the usual 60"
    },
    {
      "rank": 7,
      "brand": "Liberty Financial",
      "brand_label": "Liberty Financial",
      "brand_slug": "liberty-financial",
      "product_id": "25a81184-730a-4d35-a2e1-f19a00f7ad2c",
      "product_name": "Business car loan",
      "product_label": "Business Car Loan",
      "product_url": "https://liberty.com.au/car-loans/business-car-loans",
      "terms_url": null,
      "car_loan_basis": "name",
      "rate_kind": "fixed",
      "lending_rate_type": "VARIABLE",
      "fixed_months": null,
      "kind": "fixed",
      "vehicles": [
        "new",
        "used",
        "green"
      ],
      "vehicle_age_min": null,
      "vehicle_age_max": null,
      "max_vehicle_age_months": null,
      "vehicle_age_quote": null,
      "security": null,
      "term_min_months": 24,
      "term_max_months": 84,
      "rate": 0.0979,
      "rate_pct": 9.79,
      "rate_published_pct": 9.79,
      "rate_unreliable": false,
      "comparison_rate": null,
      "comparison_rate_pct": null,
      "comparison_basis": null,
      "rate_max_pct": null,
      "comparison_rate_max_pct": null,
      "risk_based": false,
      "credit_band": null,
      "loan_min": 5000.0,
      "loan_max": 100000.0,
      "max_lvr": null,
      "redraw": false,
      "annual_fee": 120.0,
      "upfront_fees": null,
      "restrictions": [],
      "conditions": [
        "confirmed on the lender's website on 2026-11-13 (\"Rates from 9.79% p.a.\"), which gives it as a fixed rate (the feed, republished 2026-11-10, still says variable), from $5,000 to $100,000 ($35,000 if not registered for GST); older vehicles pay more",
        "with a balloon, vehicle at most 8 years old at end of term",
        "maximum $35,000 if not registered for GST; $50,000 for a start-up",
        "higher rates (loadings) for older vehicles"
      ],
      "record_stale": false,
      "record_correction": "confirmed on the lender's website on 2026-11-13 (\"Rates from 9.79% p.a.\"), which gives it as a fixed rate (the feed, republished 2026-11-10, still says variable), from $5,000 to $100,000 ($35,000 if not registered for GST); older vehicles pay more",
      "source_url": "https://services.liberty.com.au/api/data-holder-public/cds-au/v1/banking/products/25a81184-730a-4d35-a2e1-f19a00f7ad2c",
      "source_snapshot": "/au/finance/business-car-loans/v1/source/liberty-financial/25a81184-730a-4d35-a2e1-f19a00f7ad2c.json",
      "bank_last_updated": "2026-11-10T13:00:00Z",
      "finance_type": "loan",
      "fees_url": null,
      "est_monthly_repayment": 1268.63,
      "est_total_interest": 16118,
      "repayment_term_months": 60,
      "repayment_basis": "60 months at the rate, before fees"
    }
  ]
}