{ "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.", "unranked_reasons": { "restricted": "restricted to a group or use", "out_of_range": "rate outside 2% to 30%", "range_upper": "a maximum or representative rate", "revert_rate": "the rate a fixed loan reverts to", "not_a_loan_rate": "introductory, penalty or other rate type", "outdated_record": "checked against the bank's website and found out of date", "no_rate": "the lender's rate field is unreliable" }, "generated_at": "2026-11-13T01:40:40Z", "row_count": 29, "rows": [ { "brand": "Beyond Bank Australia", "brand_label": "Beyond Bank Australia", "brand_slug": "beyond-bank-australia", "legal_entity_abn": "15087651143", "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", "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", "record_correction_citations": [ { "quote": "Business Vehicle Low Rate Loan Special Offer - Fixed 7.04% p.a.", "url": "https://www.beyondbank.com.au/business/lending/business-loan/#:~:text=Business%20Vehicle%20Low%20Rate%20Loan,Offer%20%2D%20Fixed%207.04%25%20p.a.", "document_sha256": "7275e1a29aadc750017f90907ddccea97a3021d044f221b0e05fc04616097a16", "confirmed": "2026-11-13" }, { "quote": "Available for the purchase of a motor vehicle up to 2 years old.", "url": "https://www.beyondbank.com.au/business/lending/business-loan/#:~:text=Available%20for%20the%20purchase%20of,up%20to%202%20years%20old.", "document_sha256": "7275e1a29aadc750017f90907ddccea97a3021d044f221b0e05fc04616097a16", "confirmed": "2026-11-13" } ], "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" ], "ranked": true, "unranked_reason": null, "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" ], "loan_purpose_raw": "UNCONSTRAINED", "repayment_type_raw": "PRINCIPAL_AND_INTEREST", "additional_info": "Business Vehicle Low Rate Loan Special Offer for Commercial or Business purposes. Flexible loan terms 1-7 years. Conditions apply.", "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/" }, { "brand": "Beyond Bank Australia", "brand_label": "Beyond Bank Australia", "brand_slug": "beyond-bank-australia", "legal_entity_abn": "15087651143", "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", "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", "record_correction_citations": [ { "quote": "Business Vehicle Low Rate Loan Special Offer - Fixed 7.04% p.a.", "url": "https://www.beyondbank.com.au/business/lending/business-loan/#:~:text=Business%20Vehicle%20Low%20Rate%20Loan,Offer%20%2D%20Fixed%207.04%25%20p.a.", "document_sha256": "7275e1a29aadc750017f90907ddccea97a3021d044f221b0e05fc04616097a16", "confirmed": "2026-11-13" }, { "quote": "Available for the purchase of a motor vehicle up to 2 years old.", "url": "https://www.beyondbank.com.au/business/lending/business-loan/#:~:text=Available%20for%20the%20purchase%20of,up%20to%202%20years%20old.", "document_sha256": "7275e1a29aadc750017f90907ddccea97a3021d044f221b0e05fc04616097a16", "confirmed": "2026-11-13" } ], "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": "secured", "term_min_months": 12, "term_max_months": 84, "rate": 0.0869, "rate_pct": 8.69, "rate_published_pct": 8.69, "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": 140000.0, "max_lvr": 100.0, "redraw": false, "annual_fee": null, "upfront_fees": null, "restrictions": [], "ranked": true, "unranked_reason": null, "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 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" ], "loan_purpose_raw": "UNCONSTRAINED", "repayment_type_raw": "PRINCIPAL_AND_INTEREST", "additional_info": "Business Vehicle Loan for Commercial or Business purposes, secured lending, flexible loan terms 1-7 years. Conditions apply.", "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/" }, { "brand": "Central West CUL", "brand_label": "Central West Credit Union", "brand_slug": "central-west-cul", "legal_entity_abn": "67087649885", "product_id": "Business_Car_Loan_-_New_Vehicle", "product_name": "Business Car Loan - New Vehicle", "product_label": "Business Car Loan - New Vehicle", "product_url": "https://www.cwcu.com.au/lending/business-loans", "terms_url": "https://www.cwcu.com.au/disclosure-documents/conditions-of-use", "car_loan_basis": "name", "record_stale": true, "record_correction": "out of date: on 2026-10-19 the lender's website showed 7.60% (comparison 7.82%), 0.20 points above this record; business car loans take its personal car loan rates", "record_correction_citations": [ { "quote": "Business Car Loans - Rates are the same as for Personal Classic Car Loans detailed above", "url": "https://www.cwcu.com.au/lending-interest-rates#:~:text=Business%20Car%20Loans%20%2D%20Rates,Classic%20Car%20Loans%20detailed%20above", "document_sha256": "fbb4ec9105d394c003b632c6abc7e7a0a7c3bbeaa6f896d7c269765e1df49bee", "confirmed": "2026-11-13" }, { "quote": "Classic Car Loan a) Secured by a New vehicle b) Secured by a vehicle no more than 7 years old. 7.60 7.70 7.82 (For a typical secured loan of $30,000 over 5 years) 7.92", "url": "https://www.cwcu.com.au/lending-interest-rates#:~:text=Classic%20Car%20Loan%20a%29%20Secured,%2430%2C000%20over%205%20years%29%207.92", "document_sha256": "fbb4ec9105d394c003b632c6abc7e7a0a7c3bbeaa6f896d7c269765e1df49bee", "confirmed": "2026-11-13" } ], "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": 0.074, "rate_pct": 7.4, "rate_published_pct": 7.4, "rate_unreliable": false, "comparison_rate": 0.0782, "comparison_rate_pct": 7.82, "comparison_basis": null, "rate_max_pct": null, "comparison_rate_max_pct": null, "risk_based": false, "credit_band": null, "loan_min": 1.0, "loan_max": null, "max_lvr": null, "redraw": true, "annual_fee": null, "upfront_fees": 150.0, "restrictions": [ "outdated_record" ], "ranked": false, "unranked_reason": "outdated_record", "conditions": [ "out of date: on 2026-10-19 the lender's website showed 7.60% (comparison 7.82%), 0.20 points above this record; business car loans take its personal car loan rates", "new vehicles only", "out of date" ], "loan_purpose_raw": "OTHER", "repayment_type_raw": "PRINCIPAL_AND_INTEREST", "additional_info": null, "source_url": "https://ib.cwcu.com.au/openbanking/cds-au/v1/banking/products/Business_Car_Loan_-_New_Vehicle", "source_snapshot": "/au/finance/business-car-loans/v1/source/central-west-cul/Business_Car_Loan_-_New_Vehicle.json", "bank_last_updated": "2026-04-14T16:44:47.000+10:00", "finance_type": "loan", "fees_url": "https://www.cwcu.com.au/disclosure-documents/fees-and-charges" }, { "brand": "Central West CUL", "brand_label": "Central West Credit Union", "brand_slug": "central-west-cul", "legal_entity_abn": "67087649885", "product_id": "Classic_Car_loan_-_Used_vehicles_no_more_than_7_years_old", "product_name": "Business Car Loan - Used Vehicle 1 to 7 years old", "product_label": "Business Car Loan - Used Vehicle 1 to 7 Years Old", "product_url": "https://www.cwcu.com.au/lending/business-loans", "terms_url": "https://www.cwcu.com.au/disclosure-documents/conditions-of-use", "car_loan_basis": "name", "record_stale": false, "record_correction": "confirmed on the lender's website on 2026-10-19 (rates effective 8 October 2026)", "record_correction_citations": [ { "quote": "Classic Car Loan a) Secured by a New vehicle b) Secured by a vehicle no more than 7 years old. 7.60 7.70 7.82 (For a typical secured loan of $30,000 over 5 years) 7.92", "url": "https://www.cwcu.com.au/lending-interest-rates#:~:text=Classic%20Car%20Loan%20a%29%20Secured,%2430%2C000%20over%205%20years%29%207.92", "document_sha256": "fbb4ec9105d394c003b632c6abc7e7a0a7c3bbeaa6f896d7c269765e1df49bee", "confirmed": "2026-11-13" } ], "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "vehicles": [ "used" ], "vehicle_age_min": 1, "vehicle_age_max": 7, "max_vehicle_age_months": 84, "vehicle_age_quote": "Business Car Loan - Used Vehicle 1 to 7 years old", "security": "secured", "term_min_months": null, "term_max_months": 84, "rate": 0.077, "rate_pct": 7.7, "rate_published_pct": 7.7, "rate_unreliable": false, "comparison_rate": 0.0792, "comparison_rate_pct": 7.92, "comparison_basis": null, "rate_max_pct": null, "comparison_rate_max_pct": null, "risk_based": false, "credit_band": null, "loan_min": 1.0, "loan_max": null, "max_lvr": null, "redraw": true, "annual_fee": null, "upfront_fees": 150.0, "restrictions": [], "ranked": true, "unranked_reason": null, "conditions": [ "confirmed on the lender's website on 2026-10-19 (rates effective 8 October 2026)", "used vehicles only", "vehicles 1 to 7 years old" ], "loan_purpose_raw": "OTHER", "repayment_type_raw": "PRINCIPAL_AND_INTEREST", "additional_info": null, "source_url": "https://ib.cwcu.com.au/openbanking/cds-au/v1/banking/products/Classic_Car_loan_-_Used_vehicles_no_more_than_7_years_old", "source_snapshot": "/au/finance/business-car-loans/v1/source/central-west-cul/Classic_Car_loan_-_Used_vehicles_no_more_than_7_years_old.json", "bank_last_updated": "2026-05-27T16:01:22.000+10:00", "finance_type": "loan", "fees_url": "https://www.cwcu.com.au/disclosure-documents/fees-and-charges" }, { "brand": "CommBank", "brand_label": "CommBank", "brand_slug": "commbank", "legal_entity_abn": "48123123124", "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", "record_stale": false, "record_correction": null, "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": [], "ranked": true, "unranked_reason": null, "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)" ], "loan_purpose_raw": "INVESTMENT", "repayment_type_raw": "PRINCIPAL_AND_INTEREST", "additional_info": "Rate shown is indicative, current as at the time of publishing and is dependent on but not limited to the term of the finance, amount financed, suitability of the financed asset and credit assessment of the applicant. Fees, charges & Terms and Conditions apply.", "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" }, { "brand": "CommBank", "brand_label": "CommBank", "brand_slug": "commbank", "legal_entity_abn": "48123123124", "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", "record_stale": false, "record_correction": null, "rate_kind": "penalty", "lending_rate_type": "PENALTY", "fixed_months": null, "kind": null, "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": 0.03, "rate_pct": 3.0, "rate_published_pct": 3.0, "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": null, "max_lvr": null, "redraw": false, "annual_fee": null, "upfront_fees": 595.0, "restrictions": [], "ranked": false, "unranked_reason": "not_a_loan_rate", "conditions": [ "loan term 12 months; repayments here are estimated over 12 months, its longest term", "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)" ], "loan_purpose_raw": "OTHER", "repayment_type_raw": "OTHER", "additional_info": 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" }, { "brand": "CommBank", "brand_label": "CommBank", "brand_slug": "commbank", "legal_entity_abn": "48123123124", "product_id": "5af96243b945460cb98a373de7688008", "product_name": "Hire Purchase", "product_label": "Hire Purchase", "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", "record_stale": false, "record_correction": null, "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": 654.5, "restrictions": [], "ranked": true, "unranked_reason": null, "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 means paying the Termination Amount plus termination fees" ], "loan_purpose_raw": "INVESTMENT", "repayment_type_raw": "PRINCIPAL_AND_INTEREST", "additional_info": "Rate shown is indicative, current as at the time of publishing and is dependent on but not limited to the term of the finance, amount financed, suitability of the financed asset and credit assessment of the applicant. 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