Fast Vehicle Finance For ABN Holders, With Some Of The Lowest Rates On The Market!
Get your next business vehicle with lightning-fast approvals and expert ABN finance advice
- Approvals within 1 hour
- Low rate & repayments
- We protect your credit score
- Panel of more than 70 trusted lenders
5.94%
Comparison rate 6.49%*
- 5-star Google rating
Discover your perfect loan
With no impact to your credit score!
ABN Car and Ute Finance
If you’ve got your own ABN and you’re looking for a car or ute for business purposes, we can help you get the finance you need. Whether you want a new Ford Ranger, Toyota Hilux or something else entirely, ABN finance for your next ute or car can help you get ahead with work.
At Zayer Finance, we specialize in making vehicle finance simple, fast, and affordable for ABN holders across Australia.
Why Choose Zayer Finance for Your ABN Loan
Compare & Save With 70+ Lenders
Compare loans from more than 70 well-known and trusted lenders. We do all the hard work for you, saving you time and money.
Guaranteed Low Rates
If you find a lower rate from a lender on our panel, we'll pay the difference in interest payable. Terms and Conditions apply.
Fast & Easy Approvals
It's our mission to have you approved as quickly as possible. Most of the time, we're able to have our clients approved within 1 hour.
Protect Your Credit Score
Too many credit enquiries can harm your credit score. We protect it by matching you to the right lender the first time.
Why Work With Zayer Finance
Gaining finance as a business owner can be stressful and time consuming. Some lenders will make you jump through all kinds of hoops to prove that you can afford a new car or ute instead of using a common sense approach.
Luckily, there’s Zayer Finance. We have access to a large panel of lenders that require minimal documentation. Our team of finance experts will match you with a lender that best suits your situation.
No Financials Required
For many loans, no business financials needed
1 Day ABN Accepted
New ABN? No problem with our specialist lenders
No Deposit Required
100% financing available for qualified applicants
We can finance both private and dealer sales and new or used vehicles. Best of all, we can get you approved most of the time within 1 hour.
ABN Loan Types Explained
Car Leases
- Option to buy or take another lease
- Lower repayments with residual
- Flexible terms for your business
Novated Leases
- Pay no GST (save 10%)
- Finance purchase + running costs
- Reduce income tax each pay
- 1-5 year flexible terms
Unsecured Loans
- No security required
- Perfect for older vehicles
- Flexible 1-7 year terms
- Fast approval process
Secured Loans
- Lower interest rates
- Vehicle acts as security
- Flexible 1-7 year terms
- Great for new vehicles
Chattel Mortgages
- Claim 10% GST on purchase
- Tax-deductible repayments
- Lower repayments with balloon
Hire Purchase
- Full ownership at end
- Lower repayments with residual
- Claim GST on BAS
- Flexible 1-5 year terms
We Compare 70+ Lenders
Access Australia’s largest lender panel through Zayer Finance
What Our ABN Clients Say
Case Study
Anamata Mining
Brandon had just launched his business and needed a vehicle to keep jobs moving. He first tried two other brokers and the experience was rough. They told him funding was unlikely, asked for accountant letters, cash flow forecasts, long bank statements, and warned that even if he was approved it would likely be at a high rate. The process felt slow, stressful, and damaging to his confidence.
When Brandon came to us, everything changed. We assessed his situation properly before submitting anything, protected his credit score by avoiding unnecessary enquiries, and focused on placing him with the right lender from the start.
Brandon was in his new vehicle sooner than he ever expected and could focus on growing his business instead of fighting for finance.
Frequently Asked Questions
Why do secured car loans have lower interest rates than unsecured loans?
A secured car loan lets the lender take the car if repayments aren’t made. Because the lender has something to fall back on, the risk is lower, which means the interest rate is usually lower.
An unsecured loan has no asset attached, so the lender has more risk. To cover that risk, they normally charge a higher interest rate.
How do you protect my credit file?
Unlike dealerships and many other brokers, we start with soft checks, so nothing hits your credit file while we do our research and compare options.
Too many enquiries can damage your credit score and make approval harder. We protect you by screening lenders first and only submitting when we know you have a strong chance of approval.
What is a balloon payment?
A residual (or balloon) payment lets you keep your repayments lower during the loan term, with one larger amount due at the end to clear the balance. We offer many options both with and without balloons. It’s your personal preference!
Can you refinance my current loan?
Yes, you can refinance. If you’re paying more than you need to on your current loan, we can help move you into a sharper product that fits your needs and saves you money. Reach out for a quote and we’ll show you what you could gain.
What are the tax benefits?
There can be tax benefits when a business finances a vehicle in Australia, but every situation is different and you should always check with your accountant before claiming anything.
In general, a business may be able to:
Claim interest on the loan as a business expense
Claim running costs such as fuel, servicing, insurance, registration, and depreciation
Use the vehicle for business purposes and claim a percentage of those costs, based on how much it is used for work
Potentially access instant asset write-off or temporary full expensing when it applies, depending on government rules at the time
The exact benefits depend on your structure, income, GST registration, and how the vehicle is used. Always speak with your accountant to make sure you are claiming correctly and legally.
Can I finance a vehicle without two years of trading history?
Yes, it’s possible. Many new ABN holders think they need two full years of trading and detailed financials before they can get approved, but that’s not always the case. Some lenders are happy to approve early-stage businesses based on recent bank statements, invoices, work booked in, or your overall income.
You don’t always need accountant letters, cash flow forecasts, or large deposits. The key is choosing a lender that understands new businesses, rather than applying everywhere and hoping for the best.
We match you with the right lender before submitting anything, so we protect your credit score and give you the best chance of approval, even if your ABN is brand new.
Zayer Beats Dealership Finance!
Zayer Finance
The Smart Choice for ABN Holders.
- Compare 70+ lenders at once
- Credit file protected
- Approval within 1 hour
- Works with blemished credit
- No deposit often required
- No financials often needed
- Expert ABN finance advice
- Fast online application
- Approvals within 1 hour
- Lowest rate & repayments – Guaranteed
- We protect your credit score
- Panel of more than 70 trusted lenders