{
  "dataset": "Australian business car loan rates",
  "page": "https://deepalmanac.com/au/finance/business-car-loans/",
  "start_here": {
    "answer_file": "https://deepalmanac.com/au/finance/business-car-loans/v1/top/{vehicle}/{kind}/{loan}.json",
    "inputs": "vehicle new, used or green; kind any, fixed or variable; loan 30000, 60000 or 100000 (the nearest, then check loan_min and loan_max); ranked by advertised rate, as business lending has no comparison rate requirement",
    "example": "https://deepalmanac.com/au/finance/business-car-loans/v1/top/used/fixed/30000.json",
    "also": "lenders that list business vehicle finance without a published rate: quote_only in /au/finance/business-car-loans/v1/best.json",
    "compare": "https://deepalmanac.com/v1/compare/business-car-loans?loan=85000&vehicle=new&rate=any"
  },
  "generated_at": "2026-11-13T01:40:40Z",
  "fetched_at": "2026-11-13T01:40:40Z",
  "data_as_of": "2026-11-13T00:00:23Z",
  "data_as_of_basis": "The latest last-updated timestamp any bank's CDR feed reports for a business vehicle finance product, by the banks' own clocks, leaving out any later than the fetch.",
  "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.",
  "licences": [
    {
      "layer": "Consumer Data Right product reference data",
      "covers": "Products, rates, fees, loan limits and each lender's last-updated time",
      "licence": "No licence is stated. CDR rule 2.6 bars a data holder from imposing conditions, restrictions or limitations of any kind on the use of product data, and it is reproduced as fetched",
      "licence_url": null,
      "attribution": "Published by each lender; the source URL is on every row"
    },
    {
      "layer": "Lenders' own fee guides and pages",
      "covers": "Fees and other terms the product data leaves out, each with its quote",
      "licence": "None granted. The facts are reproduced as published, with the URL (and, where quoted, the sentence) they were read from; quoted wording remains the copyright of each lender. Check the publisher's own terms before reusing quoted wording",
      "licence_url": null,
      "attribution": "Each lender, named with the URL on every record"
    },
    {
      "layer": "Deep Almanac's own work",
      "covers": "Every field no other layer names: rankings and ranks, estimates (such as bills, interest and costs), derived, normalised and summary fields, counts, flags, and the selection and arrangement of the data",
      "licence": "Creative Commons Attribution 4.0 International (CC BY 4.0)",
      "licence_url": "https://creativecommons.org/licenses/by/4.0/",
      "attribution": "Deep Almanac (deepalmanac.com)"
    }
  ],
  "questions": "https://deepalmanac.com/au/finance/business-car-loans/v1/questions.json",
  "openapi": "https://deepalmanac.com/au/finance/business-car-loans/v1/openapi.json",
  "status": "https://deepalmanac.com/status.json",
  "llms": "https://deepalmanac.com/llms.txt",
  "files": [
    "https://deepalmanac.com/au/finance/business-car-loans/v1/questions.json",
    "https://deepalmanac.com/au/finance/business-car-loans/v1/rates.json",
    "https://deepalmanac.com/au/finance/business-car-loans/v1/best.json",
    "https://deepalmanac.com/au/finance/business-car-loans/v1/brands.json",
    "https://deepalmanac.com/au/finance/business-car-loans/v1/openapi.json",
    "https://deepalmanac.com/au/finance/business-car-loans/v1/top/new/any/60000.json"
  ],
  "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).",
  "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).",
  "answering": {
    "note": "Each entry is a question readers ask, the inputs to collect before it can be answered, and the files that answer it. vehicle, kind and loan are the three parts of each top/ and best/ path. Read commentary before quoting a rate.",
    "questions": [
      {
        "question": "What is the best business car loan rate?",
        "also_asked_as": [
          "lowest business car loan rate",
          "cheapest chattel mortgage",
          "business vehicle loan rates",
          "best ute finance rate",
          "equipment finance rate for a vehicle"
        ],
        "has_no_single_answer": true,
        "ask_the_reader_first": [
          {
            "input": "vehicle: new, used, green (the {vehicle} in the file path)",
            "why": "Lenders price new and used vehicles separately, often by age, and a few have a green rate for low-emission vehicles. Ask the vehicle's age for a used one and check vehicle_age_max.",
            "how_much_it_moves_the_answer": "any rate, $60,000: new best 5.99%, median 7.04%, 7 banks; used best 5.99%, median 7.97%, 6 banks; green best 5.99%, median 7.04%, 7 banks."
          },
          {
            "input": "kind: any, fixed, variable (the {kind} in the file path)",
            "why": "Most business vehicle finance is fixed for the term; any ranks fixed and variable together.",
            "how_much_it_moves_the_answer": "new vehicle, $60,000: any best 5.99%, median 7.04%, 7 banks; fixed best 5.99%, median 7.32%, 6 banks; variable best 6.74%, median 7.19%, 2 banks."
          },
          {
            "input": "loan: the amount financed in dollars, one of 30000, 60000, 100000 (the {loan} in the file path)",
            "why": "Products have minimum and maximum amounts. For an amount between the slices read the nearest one and check loan_min <= amount <= loan_max on each entry (null is no limit stated).",
            "how_much_it_moves_the_answer": "new vehicle, any rate: $30,000 best 5.99%, median 7.60%, 7 banks; $60,000 best 5.99%, median 7.04%, 7 banks; $100,000 best 5.99%, median 7.04%, 7 banks."
          }
        ],
        "then_read": {
          "top_ten": "https://deepalmanac.com/au/finance/business-car-loans/v1/top/{vehicle}/{kind}/{loan}.json",
          "full_ranking": "https://deepalmanac.com/au/finance/business-car-loans/v1/best/{vehicle}/{kind}/{loan}.json",
          "default_slice": "https://deepalmanac.com/au/finance/business-car-loans/v1/top/new/any/60000.json",
          "quote_only": "https://deepalmanac.com/au/finance/business-car-loans/v1/best.json"
        },
        "say_as_well": [
          "Quote the rate, finance_type and the conditions together; ranking is by rate.",
          "Say that published business rates are usually indicative and the lender prices each deal.",
          "Name the major banks that quote only (best.json quote_only): they lend for vehicles but publish no rate."
        ]
      },
      {
        "question": "Should a business use a chattel mortgage, hire purchase or lease?",
        "also_asked_as": [
          "chattel mortgage vs hire purchase",
          "goods loan or lease for a work vehicle"
        ],
        "has_no_single_answer": true,
        "ask_the_reader_first": [
          {
            "input": "vehicle: new, used, green (the {vehicle} in the file path)",
            "why": "Lenders price new and used vehicles separately, often by age, and a few have a green rate for low-emission vehicles. Ask the vehicle's age for a used one and check vehicle_age_max.",
            "how_much_it_moves_the_answer": "any rate, $60,000: new best 5.99%, median 7.04%, 7 banks; used best 5.99%, median 7.97%, 6 banks; green best 5.99%, median 7.04%, 7 banks."
          }
        ],
        "then_read": {
          "top_ten": "https://deepalmanac.com/au/finance/business-car-loans/v1/top/{vehicle}/{kind}/{loan}.json"
        },
        "say_as_well": [
          "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."
        ]
      },
      {
        "question": "What will the repayments be?",
        "also_asked_as": [
          "business car loan repayments on $60,000"
        ],
        "has_no_single_answer": true,
        "ask_the_reader_first": [
          {
            "input": "vehicle: new, used, green (the {vehicle} in the file path)",
            "why": "Lenders price new and used vehicles separately, often by age, and a few have a green rate for low-emission vehicles. Ask the vehicle's age for a used one and check vehicle_age_max.",
            "how_much_it_moves_the_answer": "any rate, $60,000: new best 5.99%, median 7.04%, 7 banks; used best 5.99%, median 7.97%, 6 banks; green best 5.99%, median 7.04%, 7 banks."
          },
          {
            "input": "kind: any, fixed, variable (the {kind} in the file path)",
            "why": "Most business vehicle finance is fixed for the term; any ranks fixed and variable together.",
            "how_much_it_moves_the_answer": "new vehicle, $60,000: any best 5.99%, median 7.04%, 7 banks; fixed best 5.99%, median 7.32%, 6 banks; variable best 6.74%, median 7.19%, 2 banks."
          },
          {
            "input": "loan: the amount financed in dollars, one of 30000, 60000, 100000 (the {loan} in the file path)",
            "why": "Products have minimum and maximum amounts. For an amount between the slices read the nearest one and check loan_min <= amount <= loan_max on each entry (null is no limit stated).",
            "how_much_it_moves_the_answer": "new vehicle, any rate: $30,000 best 5.99%, median 7.60%, 7 banks; $60,000 best 5.99%, median 7.04%, 7 banks; $100,000 best 5.99%, median 7.04%, 7 banks."
          }
        ],
        "then_read": {
          "top_ten": "https://deepalmanac.com/au/finance/business-car-loans/v1/top/{vehicle}/{kind}/{loan}.json"
        },
        "say_as_well": [
          "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.",
          "A balloon payment lowers the repayments and is not modelled here."
        ]
      }
    ],
    "commentary": [
      {
        "topic": "Business rates are indicative, and usually come without a comparison rate",
        "what_you_will_see": "5 of the 7 entries in the default slice (new, any, $60,000) have comparison_rate_pct null.",
        "what_it_actually_means": "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).",
        "say_this_as_well": "Give the rate as the lender's advertised or indicative rate, and say fees are extra.",
        "do_not": "Do not compare these rates with consumer car loan comparison rates as if they were the same measure.",
        "check_it_yourself": "https://deepalmanac.com/au/finance/business-car-loans/v1/top/new/any/60000.json: rate_pct and comparison_rate_pct"
      },
      {
        "topic": "Most major banks publish no business vehicle rate",
        "what_you_will_see": "8 lenders list vehicle finance with no rate: ANZ, BOQ Specialist, Bank of Melbourne, BankSA, Judo Bank, St.George Bank, Unity Bank, Westpac.",
        "what_it_actually_means": "They price each deal on the business, the vehicle and the term. They do lend.",
        "say_this_as_well": "Say the bank lends for business vehicles and quotes individually.",
        "do_not": "Do not say a bank missing from a ranking has no business vehicle finance.",
        "check_it_yourself": "https://deepalmanac.com/au/finance/business-car-loans/v1/best.json: quote_only"
      },
      {
        "topic": "Some products also finance equipment",
        "what_you_will_see": "car_loan_basis vehicle_and_equipment on 2 products (hire purchase, goods loans and equipment loans that name vehicles).",
        "what_it_actually_means": "The rate is the product's own; the lender may price a vehicle differently from other equipment.",
        "say_this_as_well": "Say the product covers vehicles and equipment, and quote the condition.",
        "do_not": "Do not present it as a vehicle-only loan.",
        "check_it_yourself": "https://deepalmanac.com/au/finance/business-car-loans/v1/rates.json: car_loan_basis and conditions"
      }
    ],
    "commentary_note": "Figures here that a client will otherwise misread, each with what you will see, what it means, what to say, what not to do and the file and field that settles it.",
    "what_it_cannot_answer_yet": [
      {
        "question": "Does this include every business vehicle financier, such as AFS (Automotive Financial Services)?",
        "why": "No. It covers only lenders that publish business vehicle finance under the Consumer Data Right, 10 with a published rate today. Non-bank asset financiers are not on the CDR register; checked against the register snapshot on 2026-10-18, Automotive Financial Services (AFS), Angle Finance, Metro Finance, Pepper and Toyota Finance are absent.",
        "where_to_send_the_reader": "The financier's own website, or an asset finance broker."
      },
      {
        "question": "What rate will my business get?",
        "why": "Business vehicle finance is priced per deal on the business's financials, the vehicle, the term and any balloon.",
        "where_to_send_the_reader": "The lender, for a quote."
      },
      {
        "question": "Is a novated lease cheaper?",
        "why": "Novated leases are arranged through an employer's salary packaging provider and are not published under the CDR.",
        "where_to_send_the_reader": "The employer's salary packaging provider."
      }
    ],
    "context_this_dataset_does_not_hold": [
      "The business's financials and credit history, which decide approval and the rate.",
      "Balloon or residual payments, and their effect on the rate.",
      "GST, depreciation and tax treatment, which depend on the finance type and the business.",
      "Non-bank, dealer and manufacturer finance, novated and operating leases."
    ],
    "not_advice": "Reference data, not financial advice. Rates are as advertised in each bank's own product data."
  },
  "best_dir": {
    "url_template": "https://deepalmanac.com/au/finance/business-car-loans/v1/best/{vehicle}/{kind}/{loan}.json",
    "vehicles": [
      "new",
      "used",
      "green"
    ],
    "kinds": [
      "any",
      "fixed",
      "variable"
    ],
    "loans": [
      30000,
      60000,
      100000
    ]
  },
  "top_dir": {
    "url_template": "https://deepalmanac.com/au/finance/business-car-loans/v1/top/{vehicle}/{kind}/{loan}.json",
    "vehicles": [
      "new",
      "used",
      "green"
    ],
    "kinds": [
      "any",
      "fixed",
      "variable"
    ],
    "loans": [
      30000,
      60000,
      100000
    ],
    "description": "The compact answer per slice, a few kB each: the top 10 entries of the matching best/ slice cut to the fields needed to quote them, and a link to the full slice."
  },
  "brands_dir": {
    "path": "brands/",
    "url_template": "https://deepalmanac.com/au/finance/business-car-loans/v1/brands/{brand_slug}.json",
    "page_template": "https://deepalmanac.com/au/finance/banks/{brand_slug}/",
    "description": "One file per bank with business vehicle finance: brand identity, at_a_glance (the bank's lowest ranked rate per vehicle and kind), its products and every rates.json row for that brand.",
    "count": 10,
    "brands": [
      {
        "brand_slug": "beyond-bank-australia",
        "url": "https://deepalmanac.com/au/finance/business-car-loans/v1/brands/beyond-bank-australia.json",
        "page": "https://deepalmanac.com/au/finance/banks/beyond-bank-australia/"
      },
      {
        "brand_slug": "central-west-cul",
        "url": "https://deepalmanac.com/au/finance/business-car-loans/v1/brands/central-west-cul.json",
        "page": "https://deepalmanac.com/au/finance/banks/central-west-cul/"
      },
      {
        "brand_slug": "commbank",
        "url": "https://deepalmanac.com/au/finance/business-car-loans/v1/brands/commbank.json",
        "page": "https://deepalmanac.com/au/finance/banks/commbank/"
      },
      {
        "brand_slug": "first-option-bank",
        "url": "https://deepalmanac.com/au/finance/business-car-loans/v1/brands/first-option-bank.json",
        "page": "https://deepalmanac.com/au/finance/banks/first-option-bank/"
      },
      {
        "brand_slug": "great-southern-bank-business",
        "url": "https://deepalmanac.com/au/finance/business-car-loans/v1/brands/great-southern-bank-business.json",
        "page": "https://deepalmanac.com/au/finance/banks/great-southern-bank-business/"
      },
      {
        "brand_slug": "liberty-financial",
        "url": "https://deepalmanac.com/au/finance/business-car-loans/v1/brands/liberty-financial.json",
        "page": "https://deepalmanac.com/au/finance/banks/liberty-financial/"
      },
      {
        "brand_slug": "police-credit-union-ltd",
        "url": "https://deepalmanac.com/au/finance/business-car-loans/v1/brands/police-credit-union-ltd.json",
        "page": "https://deepalmanac.com/au/finance/banks/police-credit-union-ltd/"
      },
      {
        "brand_slug": "queensland-country-bank",
        "url": "https://deepalmanac.com/au/finance/business-car-loans/v1/brands/queensland-country-bank.json",
        "page": "https://deepalmanac.com/au/finance/banks/queensland-country-bank/"
      },
      {
        "brand_slug": "southern-cross-credit-union",
        "url": "https://deepalmanac.com/au/finance/business-car-loans/v1/brands/southern-cross-credit-union.json",
        "page": "https://deepalmanac.com/au/finance/banks/southern-cross-credit-union/"
      },
      {
        "brand_slug": "swsbank",
        "url": "https://deepalmanac.com/au/finance/business-car-loans/v1/brands/swsbank.json",
        "page": "https://deepalmanac.com/au/finance/banks/swsbank/"
      }
    ]
  },
  "source_dir": {
    "path": "source/",
    "url_template": "https://deepalmanac.com/au/finance/business-car-loans/v1/source/{brand_slug}/{safe_product_id}.json",
    "description": "Verbatim snapshot of each business vehicle finance product's CDR product detail response as fetched; safe_product_id is the productId with characters outside [A-Za-z0-9._-] replaced by _.",
    "count": 16
  }
}