Loan Types

Motorbike Loans

Looking for a fast and hassle-free finance solution?  You’ve come to the right place.  We analyse the market to bring to you the very best lending options to suit your business needs.    We can service a wide range of businesses, from individual ABN holders and new ventures to established companies. Contact us today to discover how we can help your business….
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Why choose Motor Money?

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Low-doc loans up to 250k
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The best rate in the market
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60+ banks and lenders to choose from
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Dedicated broker from start to finish
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Free credit checks
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Safe and secure data privacy

Are you eligible for low-rate personal finance?

Simply answer the following questions to see if you qualify:
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How it works?

1. Apply

One of our experienced brokers will contact you to discuss your finance needs and objectives.

Your dedicated broker will then present a range of lending options tailored to your unique needs and business requirements.
Rural Indiana highway photography in the fall.by Wesley Armstrong

2. Approval

Congratulations! At this exciting stage of the process you are only one step away from getting into your new ute. Your broker will take the time to go through all the features and benefits of your chosen loan.
Rural Indiana highway photography in the fall.by Wesley Armstrong

3. Settlement

Payment is made the same day so you can get behind the wheel sooner.
Rural Indiana highway photography in the fall.by Wesley Armstrong

Get access to the best rates from over 40+ lenders

Business Loan Types

Low Doc

Low doc loans are a streamlined, time saving product designed to save you time and money. Provided you and/or your business meet one or more of the following criteria below, we can have your application approved without the need for complicated financials or income tax returns.

• Hold an active ABN for minimum of 12 months
• Use the asset for more than 50% business usage
• Clean credit file (no defaults or court judgements)
• In some cases be a property owner or provide 20% deposit
• Generally maximum borrow amount is $100,000

Contact us to determine whether this product is suitable for you.

Chattel Mortgage

In a chattel mortgage financing arrangement, funds are transferred from the financier to the seller and the new customer takes ownership of the vehicle when the purchase is made. The financier will take a ‘mortgage’ over the car which acts as a security interest. Once all repayments have been made and the contract is finalised, legal interest from the financier is released.

Commercial Hire Purchase

A Commercial Hire Purchase (CHP), is ideal for businesses that use the cash method of accounting as they are able to claim the GST associated with the vehicles purchase up front.

In a CHP agreement, the financier secures and pays for a vehicle on your behalf with an offer to hire it back to you for an agreed term. During the hire term you do not legally own the asset but can use it anyway you see fit.

Finance Lease`

Similar to a Commercial Hire Purchase (CHP), in that the financier retains legal ownership over the asset whilst fixed repayments are made. However, a Lease differs from a CHP in that at the end of the term instead of ownership automatically transferring to the customer you have the option to return the asset, purchase outright for an agreed upon figure or extend the lease term.

Novated Lease

A novated lease is a cost effective way to make repayments on your vehicle with pre-tax income. The loan becomes a 3-way financial agreement between yourself, your employer and the bank.

Refinance

Are you unhappy with the amount of interest you are paying? Has your work or living circumstances changed? Is your balloon/residual payment due? Most of all, can you save money? The answer is yes!

Rent to Own

Are you starting a new business or looking to expand an existing one? Wanting the latest equipment to give your business the competitive edge? Motor Money can provide rent-to-own packages for small, medium or large sized equipment. Coffee machines, IT solutions, construction machinery, you may be surprised to learn what can be rented.
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94+ Google Reviews

BTRG PTY LTD
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Extremely fast response time throughout the finance process and very stress free great business
Harjinder Singh
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It was a great experience with motor money finance. The process of the application is very easy and smooth. He is best and help a lot to make everything easy
Daniella Storojenko
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Could not speak highly enough about Chris and the team! Process was quick, seamless and easy. Super experienced and knowledgable team, highly recommend!
Leslie Joyce
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Great experience with these people. Worked very hard to meet a deadline and kept me informed all the way.

FAQ Business Ute Finance

How does business ute finance work?

Business car finance entails obtaining a loan to purchase a vehicle instead of making an upfront full payment, typically when the vehicle is primarily used for business purposes (more than 51% business).

In this arrangement, you borrow funds and commit to repaying them with interest over a specified period. Various options are available, such as chattel mortgage, low doc, commercial hire purchase, finance lease, and rent to own. The specific terms, including interest rates and instalment payments, are contingent upon your business's financial circumstances.

Find out more about our types of car loans here.

Can I finance used utes for my business as well as brand new?

Business car finance entails obtaining a loan to purchase a vehicle instead of making an upfront full payment, typically when the vehicle is primarily used for business purposes (more than 51% business).

Can I buy from a dealership or private seller?

Business car finance entails obtaining a loan to purchase a vehicle instead of making an upfront full payment, typically when the vehicle is primarily used for business purposes (more than 51% business).

Can I get business car finance if I have bad credit?

In some cases, yes. Business car finance remains accessible even if you possess a less-than-ideal credit history. At Motor Money, we maintain relationships with a diverse range of lenders, including those who specialise in accommodating businesses with imperfect credit records. Rest assured, our team is dedicated to advocating on your behalf to secure the most favourable loan terms for your individual situation.

We can help you with your business finance

Not sure which option is right for you?
Contact us today for an obligation free quote to discover your lending options.