Commercial Vehicle Finance
Finance the commercial vehicles your business needs to transport goods, serve customers and keep daily operations moving.
Vehicle financing for commercial operations
Reliable transportation is essential for many businesses. Whether you need a delivery van, work truck, specialist commercial vehicle or additional fleet capacity, financing may help you acquire the vehicles required for your operations.
WiseChoice Financials reviews commercial vehicle financing enquiries based on the applicant's business, intended vehicle use, requested amount and applicable financing conditions.
Start Your ApplicationFinancing at a glance
- Commercial vehicles for eligible businesses
- Potential financing for new or used vehicles
- Options for individual vehicles or fleet requirements
- Assessment based on business needs and circumstances
- Applicable costs and conditions explained before commitment
What types of commercial vehicles can be considered?
Vehicle eligibility depends on its intended commercial use, condition, value and the proposed financing arrangement.
Delivery Vans
Vehicles used for local deliveries, distribution, service calls and business transportation.
Trucks and Heavy Vehicles
Commercial trucks and heavy-duty vehicles used for freight, logistics and business operations.
Passenger and Service Vehicles
Eligible vehicles used by businesses for staff transportation, customer services and field operations.
Specialist Commercial Vehicles
Purpose-built vehicles for construction, maintenance, utilities and other specialist industries.
Fleet Vehicles
Financing enquiries for businesses looking to add vehicles or expand an existing commercial fleet.
Refrigerated and Utility Vehicles
Eligible refrigerated vehicles, utility vehicles and specialised transport solutions.
How vehicle financing may support your business
Manage Upfront Costs
Financing may help spread the cost of acquiring a commercial vehicle rather than paying the full purchase price upfront.
Expand Your Fleet
Consider adding vehicles to support additional routes, customers, contracts or business locations.
Replace Older Vehicles
Explore financing for replacing vehicles that no longer meet your business's operational requirements.
Support Daily Operations
Access suitable transportation for deliveries, field services, logistics and other commercial activities.
Who can apply?
Commercial vehicle finance is intended for registered businesses with a genuine requirement for vehicles used in business operations.
- Registered business or eligible commercial entity
- Clear explanation of the intended vehicle use
- Requested financing amount and vehicle details
- Business contact and registration information
- Supporting documents when requested during assessment
How to apply
- Submit an enquiry:Provide your business details and vehicle financing requirements.
- Initial review:Our team reviews your enquiry and requested amount.
- Further assessment:Vehicle quotations, registration details or additional business information may be requested.
- Review the proposal:If suitable, you receive the applicable financing terms and costs.
- Final decision:Any financing remains subject to verification, approval and signed agreements.
Understand your financing arrangement
Commercial vehicle financing starts from $4,999, subject to eligibility and assessment. Advertised interest rates start at 5.2%. The rate applicable to an individual application depends on the financing arrangement, assessment and applicable conditions.
A due diligence and underwriting fee may apply. The amount varies according to the financing terms and region. Any applicable fee and other charges will be disclosed before you commit. Depending on the agreed conditions, the fee may be payable after conditional approval or before disbursement, and may be deducted from the financing proceeds.
Collateral may be required depending on the transaction. Late payment fees may apply. There are no early repayment penalties under the stated programme terms. Approval is not guaranteed, and all applications remain subject to assessment and applicable legal requirements.
Commercial vehicle finance FAQs
Can I finance a used commercial vehicle?
Used vehicles may be considered depending on their condition, age, value, intended business use and financing requirements.
Can my business finance more than one vehicle?
Businesses seeking multiple vehicles may submit a fleet financing enquiry. The proposed vehicles and overall financing requirement will be assessed.
Can a new business apply?
Newer businesses may submit an enquiry. Additional information about business operations, ownership and the intended vehicle purchase may be required.
Will the vehicle be used as collateral?
The vehicle may serve as collateral depending on the financing structure and applicable conditions. Any security requirements will be explained before you commit.
How long does the application review take?
Initial enquiries are generally reviewed within 1–3 business days. Further assessment may take longer depending on the information and documents required.
Does applying guarantee approval?
No. All applications are subject to review, verification, underwriting and applicable requirements. An enquiry is not a financing offer.
Find the right financing for your business vehicles
Tell us about your vehicle requirements and let our team review your enquiry.