{
 "query": {
  "loan": 85000,
  "vehicle": "new",
  "rate": "any",
  "restricted_included": [],
  "limit": 10
 },
 "method": "exact_loan",
 "method_note": "Every ranked rate for new business vehicle finance whose loan limits include $85,000, one per lender (its lowest rate; then the lowest comparison rate), lowest rate first. Business lenders need not publish a comparison rate; where one is given it is the lender's own figure; monthly_repayment is ours, on this loan over 60 months (or the loan's own longest term where it is shorter: summary.repayment_basis says) at the rate, before fees. A risk_based rate depends on the borrower's credit: rate_max_pct is the highest the bank may charge. summary gathers the figures to quote; who_can_open and apply say who may borrow and whether through the bank directly.",
 "generated_at": "2026-11-13T01:40:40Z",
 "data_as_of": "2026-11-13T00:00:23Z",
 "banks_ranked": 7,
 "banks_not_ranked": {},
 "not_ranked": [],
 "not_ranked_note": "Every bank with a rate for this vehicle and kind that is not in results, and why: below_minimum or above_maximum (the loan limits), between_tiers, or restricted (kinds: broker-only or group-limited rates, ranked with include=).",
 "caution": "A risk-based rate is the lowest the bank offers; the reader's rate depends on their credit. record_stale marks a bank that has not updated its feed since the last cash rate change; check its rates page.",
 "before_answering": "https://deepalmanac.com/au/finance/business-car-loans/v1/questions.json",
 "results": [
  {
   "rank": 1,
   "brand_label": "SWS Bank",
   "brand_slug": "swsbank",
   "summary": {
    "comparison_rate_pct": 5.99,
    "rate_pct": 5.99,
    "rate_kind": "fixed",
    "monthly_repayment": 1642.89,
    "total_interest": 13574,
    "repayment_basis": "60 months at the rate, before fees",
    "risk_based": false,
    "rate_max_pct": null,
    "conditions_apply": true,
    "restricted": false,
    "apply_directly": true,
    "record_stale": false
   },
   "product_label": "Fixed Rate Commercial Car",
   "product_name": "Fixed Rate Commercial Car",
   "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,
   "loan_max": 200000,
   "max_lvr": null,
   "redraw": true,
   "annual_fee": null,
   "upfront_fees": null,
   "restrictions": [],
   "finance_type": "loan",
   "fees_url": "https://www.swsbank.com.au/help-support/rates-fees/fees-and-charges/",
   "est_monthly_repayment": 1642.89,
   "est_total_interest": 13574,
   "repayment_term_months": 60,
   "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"
   ],
   "who_can_open": {
    "restricted": false,
    "groups": [],
    "open_note": null
   },
   "apply": {
    "direct": true,
    "barriers": []
   },
   "record_stale": false,
   "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/",
   "source_snapshot": "https://deepalmanac.com/au/finance/business-car-loans/v1/source/swsbank/L30_FR_COMM_VL.json",
   "bank_last_updated": "2025-12-16T14:22:04.000+11:00"
  },
  {
   "rank": 2,
   "brand_label": "Police Credit Union",
   "brand_slug": "police-credit-union-ltd",
   "summary": {
    "comparison_rate_pct": null,
    "rate_pct": 6.49,
    "rate_kind": "fixed",
    "monthly_repayment": 1662.72,
    "total_interest": 14763,
    "repayment_basis": "60 months at the rate, before fees",
    "risk_based": false,
    "rate_max_pct": null,
    "conditions_apply": true,
    "restricted": false,
    "apply_directly": true,
    "record_stale": false
   },
   "product_label": "Commercial Vehicle Fixed Loan",
   "product_name": "Commercial Vehicle Fixed Loan",
   "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,
   "loan_max": null,
   "max_lvr": null,
   "redraw": false,
   "annual_fee": null,
   "upfront_fees": 295,
   "restrictions": [],
   "finance_type": "loan",
   "fees_url": "https://www.policecu.com.au/PCUDocuments/Fees_and_Charges_Business_Banking_Credit.pdf",
   "est_monthly_repayment": 1662.72,
   "est_total_interest": 14763,
   "repayment_term_months": 60,
   "conditions": [
    "fixed 1 to 7 years from 6.49% (minimum $40,000)"
   ],
   "who_can_open": {
    "restricted": false,
    "groups": [],
    "open_note": null
   },
   "apply": {
    "direct": true,
    "barriers": []
   },
   "record_stale": false,
   "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",
   "source_snapshot": "https://deepalmanac.com/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"
  },
  {
   "rank": 3,
   "brand_label": "Queensland Country Bank",
   "brand_slug": "queensland-country-bank",
   "summary": {
    "comparison_rate_pct": null,
    "rate_pct": 6.74,
    "rate_kind": "variable",
    "monthly_repayment": 1672.69,
    "total_interest": 15362,
    "repayment_basis": "60 months at the rate, before fees",
    "risk_based": false,
    "rate_max_pct": null,
    "conditions_apply": true,
    "restricted": false,
    "apply_directly": true,
    "record_stale": false
   },
   "product_label": "Commercial Loan - Secured",
   "product_name": "Commercial Loan - Secured",
   "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,
   "loan_max": null,
   "max_lvr": null,
   "redraw": true,
   "annual_fee": 60,
   "upfront_fees": 150,
   "restrictions": [],
   "finance_type": "loan",
   "fees_url": "https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_fees-charges.pdf",
   "est_monthly_repayment": 1672.69,
   "est_total_interest": 15362,
   "repayment_term_months": 60,
   "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)"
   ],
   "who_can_open": {
    "restricted": false,
    "groups": [],
    "open_note": null
   },
   "apply": {
    "direct": true,
    "barriers": []
   },
   "record_stale": false,
   "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",
   "source_snapshot": "https://deepalmanac.com/au/finance/business-car-loans/v1/source/queensland-country-bank/44.json",
   "bank_last_updated": "2026-11-13T00:00:23.8091263Z"
  },
  {
   "rank": 4,
   "brand_label": "Beyond Bank Australia",
   "brand_slug": "beyond-bank-australia",
   "summary": {
    "comparison_rate_pct": 8.05,
    "rate_pct": 7.04,
    "rate_kind": "fixed",
    "monthly_repayment": 1684.71,
    "total_interest": 16082,
    "repayment_basis": "60 months at the rate, before fees",
    "risk_based": false,
    "rate_max_pct": null,
    "conditions_apply": true,
    "restricted": false,
    "apply_directly": true,
    "record_stale": false
   },
   "product_label": "Business Loan",
   "product_name": "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,
   "loan_max": 140000,
   "max_lvr": 100,
   "redraw": false,
   "annual_fee": null,
   "upfront_fees": null,
   "restrictions": [
    "special_offer"
   ],
   "finance_type": "loan",
   "fees_url": "https://www.beyondbank.com.au/business/lending/business-loan/",
   "est_monthly_repayment": 1684.71,
   "est_total_interest": 16082,
   "repayment_term_months": 60,
   "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"
   ],
   "who_can_open": {
    "restricted": false,
    "groups": [],
    "open_note": null
   },
   "apply": {
    "direct": true,
    "barriers": []
   },
   "record_stale": false,
   "product_url": "https://www.beyondbank.com.au/business/lending/business-loan/",
   "terms_url": "https://www.beyondbank.com.au/business/lending/business-loan/",
   "source_snapshot": "https://deepalmanac.com/au/finance/business-car-loans/v1/source/beyond-bank-australia/56.json",
   "bank_last_updated": "2026-10-06T12:00:30.3824864Z"
  },
  {
   "rank": 5,
   "brand_label": "Southern Cross Credit Union",
   "brand_slug": "southern-cross-credit-union",
   "summary": {
    "comparison_rate_pct": null,
    "rate_pct": 7.6,
    "rate_kind": "fixed",
    "monthly_repayment": 1707.27,
    "total_interest": 17436,
    "repayment_basis": "60 months at the rate, before fees",
    "risk_based": false,
    "rate_max_pct": null,
    "conditions_apply": true,
    "restricted": false,
    "apply_directly": true,
    "record_stale": false
   },
   "product_label": "Business Vehicle Loan",
   "product_name": "BUSINESS VEHICLE LOAN",
   "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,
   "loan_max": 150000,
   "max_lvr": null,
   "redraw": false,
   "annual_fee": null,
   "upfront_fees": null,
   "restrictions": [],
   "finance_type": "loan",
   "fees_url": "https://www.sccu.com.au/Schedule-of-Fees-and-Charges-Business-Loan-Products",
   "est_monthly_repayment": 1707.27,
   "est_total_interest": 17436,
   "repayment_term_months": 60,
   "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"
   ],
   "who_can_open": {
    "restricted": false,
    "groups": [],
    "open_note": null
   },
   "apply": {
    "direct": true,
    "barriers": []
   },
   "record_stale": false,
   "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/",
   "source_snapshot": "https://deepalmanac.com/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"
  },
  {
   "rank": 6,
   "brand_label": "CommBank",
   "brand_slug": "commbank",
   "summary": {
    "comparison_rate_pct": null,
    "rate_pct": 8.59,
    "rate_kind": "fixed",
    "monthly_repayment": 7417.22,
    "total_interest": 4007,
    "repayment_basis": "12 months at the rate, before fees: the loan's longest term, shorter than the usual 60",
    "risk_based": true,
    "rate_max_pct": null,
    "conditions_apply": true,
    "restricted": false,
    "apply_directly": true,
    "record_stale": false
   },
   "product_label": "Equipment Loan",
   "product_name": "Equipment Loan",
   "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,
   "loan_max": null,
   "max_lvr": null,
   "redraw": false,
   "annual_fee": null,
   "upfront_fees": 595,
   "restrictions": [],
   "finance_type": "loan",
   "fees_url": "https://www2.my.commbank.com.au/netbank/container/ESD/AssetFinance.Quote/ContainerLaunch",
   "est_monthly_repayment": 7417.22,
   "est_total_interest": 4007,
   "repayment_term_months": 12,
   "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)"
   ],
   "who_can_open": {
    "restricted": false,
    "groups": [],
    "open_note": null
   },
   "apply": {
    "direct": true,
    "barriers": []
   },
   "record_stale": false,
   "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",
   "source_snapshot": "https://deepalmanac.com/au/finance/business-car-loans/v1/source/commbank/a443a21d7a7a4a339e850a3c1ead0c12.json",
   "bank_last_updated": "2026-11-13T02:15:34.000Z"
  },
  {
   "rank": 7,
   "brand_label": "Liberty Financial",
   "brand_slug": "liberty-financial",
   "summary": {
    "comparison_rate_pct": null,
    "rate_pct": 9.79,
    "rate_kind": "fixed",
    "monthly_repayment": 1797.23,
    "total_interest": 22834,
    "repayment_basis": "60 months at the rate, before fees",
    "risk_based": false,
    "rate_max_pct": null,
    "conditions_apply": true,
    "restricted": false,
    "apply_directly": true,
    "record_stale": false
   },
   "product_label": "Business Car Loan",
   "product_name": "Business car loan",
   "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,
   "loan_max": 100000,
   "max_lvr": null,
   "redraw": false,
   "annual_fee": 120,
   "upfront_fees": null,
   "restrictions": [],
   "finance_type": "loan",
   "fees_url": null,
   "est_monthly_repayment": 1797.23,
   "est_total_interest": 22834,
   "repayment_term_months": 60,
   "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"
   ],
   "who_can_open": {
    "restricted": false,
    "groups": [],
    "open_note": null
   },
   "apply": {
    "direct": true,
    "barriers": []
   },
   "record_stale": false,
   "product_url": "https://liberty.com.au/car-loans/business-car-loans",
   "terms_url": null,
   "source_snapshot": "https://deepalmanac.com/au/finance/business-car-loans/v1/source/liberty-financial/25a81184-730a-4d35-a2e1-f19a00f7ad2c.json",
   "bank_last_updated": "2026-11-10T13:00:00Z"
  }
 ]
}