Vehicle finance / Vertex Asset Finance

Vehicle finance.
More ways forward.

Looking at a new vehicle, a used car or something for your business? We help you explore eligible vehicle finance options with practical guidance, clear information and a personal approach.

Explore a vehicle finance quote Talk to our team
Independent Australian brokerPersonal and business enquiries
Vehicle on the road representing new and used vehicle finance
Your vehicle, your next step.Start with options worth discussing.
Independent finance brokingWe work with a panel of lenders.
Options to exploreFor eligible personal and commercial vehicles.
Guidance throughoutUnderstand the process before proceeding.
01 / What you can finance

Finance for different vehicles and different goals.

Whether you're upgrading your everyday transport or considering a vehicle for work, the right finance pathway depends on the asset, its intended use and your circumstances.

01

New vehicles

Explore options for eligible new vehicles, whether you're buying through a dealer or considering your next upgrade.

02

Used vehicles

Discuss potential finance for qualifying pre-owned vehicles, subject to age, condition and lender requirements.

03

Utes & vans

Consider eligible utility vehicles or vans for everyday travel, trades, work or business operations.

04

SUVs & other vehicles

Ask about suitable lending options for other eligible vehicle types and intended uses.

Looking specifically for a car? Our dedicated Car Finance page is also available.

Explore car finance
02 / Finding your pathway

A finance conversation built around how you'll use the vehicle.

Two people buying similar vehicles may have very different needs. We consider what you're planning, the vehicle itself and the available lender criteria before discussing potential pathways.

Personal vehicle finance

Understand options for eligible vehicles used for personal transport and everyday life.

Business-use vehicles

Explore potential commercial finance pathways for qualifying vehicles used in your work or business.

Clear comparisons

Discuss repayment considerations, finance structures and the documents a lender may require.

More about the Vertex approach
Vehicle finance paperwork and options being reviewedGuidance that puts clarity first.
03 / Understanding your options

What matters when comparing vehicle finance?

A vehicle loan is more than a monthly repayment. These are some of the details worth reviewing before choosing how to proceed.

Loan structure & term

Understand how the proposed term, repayment structure and any relevant end-of-term obligations may affect your decision.

Rates, fees & overall cost

Compare the interest rate offered, fees and the estimated total amount repayable—not just the headline repayment.

Eligibility & requirements

Every lender has criteria relating to credit assessment, affordability, vehicle details and the intended use of funds.

Available products, features and terms vary by lender and applicant. Commercial structures may have different considerations; seek independent tax or financial advice where appropriate.

04 / How it works

From first conversation to the next step.

Our aim is to make the process easier to understand, so you know what information to prepare and what happens if you choose to apply.

STEP 01

Tell us your plans

Share the kind of vehicle you're looking at, your intended use and what matters most to you.

STEP 02

Consider pathways

We discuss relevant options and criteria from our lending panel based on the information provided.

STEP 03

Review the details

Understand supporting documents, potential terms and other considerations before deciding.

STEP 04

Proceed if suitable

If you choose to apply, we guide you through the process. The lender makes the final decision.

What might you need to prepare?

Common requests include identification, proof of income, details of existing financial commitments and information about the vehicle. Business applications may require additional financial or trading documents.

Ask what you'll need
05 / Frequently asked questions

Vehicle finance, explained.

Answers to some useful questions before you take your next step.

Can I get finance for a used vehicle?
Potentially. Some lenders consider used vehicles, but eligibility can depend on the vehicle's age, condition, value, seller type and your individual application.
Can vehicle finance be used for business purposes?
Yes, some lenders offer finance for eligible business-use vehicles. The appropriate product and terms depend on your business, the vehicle and the lender's assessment criteria.
How much could I borrow for a vehicle?
The amount you may qualify for depends on factors such as your income, expenses, existing commitments, credit history, intended purchase and the lender's affordability assessment.
What documents are usually required?
You may be asked for identification, proof of income, information about liabilities and details of the vehicle. Business borrowers may need to supply additional information. Requirements vary between lenders.
Can I apply if my credit history isn't perfect?
You can discuss your circumstances with Vertex. Availability of finance depends on each lender's credit policy, eligibility requirements and assessment. Approval cannot be guaranteed.
Does a quote mean my finance is approved?
No. A quote or preliminary indication is not final approval. The lender may need to verify information and assess the full application before making a decision.
Read all finance FAQs
06 / Your next move

Ready to explore vehicle finance?

You don't have to have every detail worked out. Whether you've already found the vehicle or you're still comparing, we're here to explain potential finance pathways and help you understand the next step.

Let's talk about your vehicle.

Start with a quote or speak with our team to discuss your goals and circumstances.

Start your vehicle finance quote Speak with the Vertex team ↗

Vertex Asset Finance is an independent finance broker, not a lender. Finance eligibility, terms, costs and approval are subject to the individual lender's criteria, assessment and verification. Please refer to the website footer for business, licensing and privacy disclosures.