Finance any asset — vehicles, equipment, boats, caravans. Personal and business. Compare 100+ lenders. Tax deductible options.
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From cars and equipment to boats and caravans — we finance all asset types.
New and used vehicles, luxury cars, EVs, bad credit options. Personal and business structures available.
Business equipment, construction machinery, medical, agricultural, restaurant equipment. Tax deductible.
Road bikes, cruisers, sports bikes, dirt bikes. New and used. Personal and business use.
Yachts, cruisers, fishing boats, tinnies, jet skis. Marine finance specialists.
Caravans, camper trailers, motorhomes, campervans. Recreation and full-time living.
Light commercial to heavy trucks, trailers, tippers, tow trucks. Business finance.
Asset finance is a broad term for loans secured against movable assets (as opposed to real estate). The asset itself acts as security for the loan — if you don't repay, the lender can repossess the asset. This security means asset finance typically offers better interest rates than unsecured personal loans.
Virtually any movable asset with resale value can be financed: cars, motorcycles, boats, caravans, trucks, business equipment, machinery, medical equipment, agricultural equipment, IT equipment, and even aircraft. The key requirement is that the asset must retain value and be easily identifiable (via VIN, serial number, or registration).
Personal asset finance is for private use (your family car, weekend boat, touring caravan). These loans are not tax deductible but have simpler applications and typically lower documentation requirements. Business asset finance is for assets used to generate income (work vehicles, business equipment, commercial machinery). Business finance offers tax deductible structures like Chattel Mortgage and Hire Purchase, allowing you to claim interest, depreciation, or full rental payments as business expenses.
Even if you have cash available, asset finance can be smart: (1) Preserve capital for investments or emergencies, (2) Claim tax deductions on business assets, (3) Build credit history through structured repayments, (4) Match repayments to the asset's income-generating period, and (5) Leverage low interest rates when available. For businesses, the tax benefits often offset the interest cost significantly.
Kreddi works with 100+ lenders across Australia specializing in different asset types — from major banks offering competitive car loans to specialist marine lenders financing luxury yachts, and equipment finance companies funding multi-million dollar agricultural machinery packages.
Compare rates from 100+ lenders. Personal and business options available.
Choose based on whether you're using the asset for personal enjoyment or business income generation.
Finance for personal use assets (cars, boats, caravans, motorbikes). Not tax deductible, but simpler application.
None (personal use)
Individuals buying for personal/private use
5.99% - 15% p.a.
Finance for business use assets (vehicles, equipment, machinery). Tax deductible structures available.
Interest, depreciation, or full payments tax deductible
Business owners, self-employed, ABN holders
5% - 12% p.a.
Different finance structures suit different situations. Here's a quick comparison.
| Structure | Type | Ownership | Tax Benefits | GST | Best For |
|---|---|---|---|---|---|
| Chattel Mortgage | Business only | Immediate | Interest + depreciation | Claim upfront | ABN holders registered for GST |
| Hire Purchase | Business or personal | At loan end | Full payment (business use) | Claimed progressively | Non-GST businesses or specific tax needs |
| Standard Loan | Personal only | Immediate | None | N/A | Personal use vehicles and assets |
| Novated Lease | Employees (PAYG) | Option at end | Pre-tax salary deductions | Employer claims | Salary packaging vehicles |
| Operating Lease | Business only | Lender retains | Full rental payment | Claimed progressively | Short-term use, regular upgrades |
Need Help Choosing? Our brokers can advise which structure suits your situation based on tax position, GST registration, and asset use. The right structure can save thousands annually.
Find the asset you want — car, boat, equipment, caravan. Get quotes from dealers or private sellers. You can apply before finalizing the purchase to know your budget.
Submit one application. We shop it across our panel of 100+ lenders including banks, specialist asset lenders, and niche financiers for specific asset types.
Most asset finance applications receive conditional approval within 1-2 business days. We'll present the best offers and help you choose the right structure.
Lender pays the seller directly. You take delivery of your asset. Depending on structure, you own it immediately or at loan end. Start making repayments as agreed.
Personal and business. Tax deductible options. Fast approval.