{
  "vehicle": "used",
  "kind": "fixed",
  "loan": 30000,
  "term_months": 60,
  "generated_at": "2026-11-13T01:40:40Z",
  "data_as_of": "2026-11-13T00:00:23Z",
  "note": "The 10 lowest business car loan rates for this vehicle, rate kind and loan amount, one per bank, cut to the fields needed to quote them, from each bank's own product data. Quote the rate, finance_type and the conditions together; risk_based means the rate is the lowest the bank offers; record_stale means the bank has not updated the record recently and its rate has not been confirmed on the bank's website since. generated_at is when this file's contents last changed.",
  "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.",
  "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.",
  "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.",
  "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).",
  "full_ranking": "https://deepalmanac.com/au/finance/business-car-loans/v1/best/used/fixed/30000.json",
  "banks_ranked": 3,
  "top": [
    {
      "rank": 1,
      "brand_label": "SWS Bank",
      "brand_slug": "swsbank",
      "product_label": "Fixed Rate Commercial Car",
      "comparison_rate_pct": 5.99,
      "rate_pct": 5.99,
      "rate_unreliable": false,
      "rate_max_pct": null,
      "comparison_rate_max_pct": null,
      "risk_based": false,
      "kind": "fixed",
      "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"
      ],
      "restrictions": [],
      "record_stale": false,
      "annual_fee": null,
      "upfront_fees": null,
      "loan_min": 1000.0,
      "loan_max": 200000.0,
      "vehicle_age_max": 3,
      "est_monthly_repayment": 579.84,
      "est_total_interest": 4791,
      "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/",
      "bank_last_updated": "2025-12-16T14:22:04.000+11:00",
      "finance_type": "loan"
    },
    {
      "rank": 2,
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_label": "Equipment Loan",
      "comparison_rate_pct": null,
      "rate_pct": 8.59,
      "rate_unreliable": false,
      "rate_max_pct": null,
      "comparison_rate_max_pct": null,
      "risk_based": true,
      "kind": "fixed",
      "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)"
      ],
      "restrictions": [],
      "record_stale": false,
      "annual_fee": null,
      "upfront_fees": 595.0,
      "loan_min": 20000.0,
      "loan_max": null,
      "vehicle_age_max": null,
      "est_monthly_repayment": 2617.84,
      "est_total_interest": 1414,
      "repayment_basis": "12 months at the rate, before fees: the loan's longest term, shorter than the usual 60",
      "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",
      "bank_last_updated": "2026-11-13T02:15:34.000Z",
      "finance_type": "loan"
    },
    {
      "rank": 3,
      "brand_label": "Liberty Financial",
      "brand_slug": "liberty-financial",
      "product_label": "Business Car Loan",
      "comparison_rate_pct": null,
      "rate_pct": 9.79,
      "rate_unreliable": false,
      "rate_max_pct": null,
      "comparison_rate_max_pct": null,
      "risk_based": false,
      "kind": "fixed",
      "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"
      ],
      "restrictions": [],
      "record_stale": false,
      "annual_fee": 120.0,
      "upfront_fees": null,
      "loan_min": 5000.0,
      "loan_max": 100000.0,
      "vehicle_age_max": null,
      "est_monthly_repayment": 634.32,
      "est_total_interest": 8059,
      "product_url": "https://liberty.com.au/car-loans/business-car-loans",
      "terms_url": null,
      "bank_last_updated": "2026-11-10T13:00:00Z",
      "finance_type": "loan"
    }
  ],
  "top_all_note": "Broker-only rates and lenders open only to certain occupations (restrictions broker_only and occupation_membership) are left out of top. Including them changes nothing in this top 10.",
  "top_all": null
}