Vehicle & asset finance specialists
Funding for vehicles and essential assets
Whether you are acquiring a new vehicle, upgrading business equipment, or expanding a commercial fleet, the way an asset is financed can have meaningful implications for cash flow, tax efficiency and long-term flexibility.
At Amica Finance, we assist individuals and businesses in arranging structured finance for a wide range of vehicles and equipment. By working with a broad panel of lenders across Australia, we help identify lending solutions that align with how the asset will be used and how your finances are structured.
From initial discussion through to settlement, we guide you through the process with clarity and considered advice.
- Finance for vehicles, machinery and equipment
- Solutions for both personal and business use
- Access to a wide network of specialist lenders
- Guidance on suitable finance structures
Get a complementary vehicle & asset quote
Speak to a broker within 1–2 business days.
Asset finance solutions
Lending structured around the assets you require. Different assets require different financing approaches. We assist in arranging lending solutions across a broad range of vehicle and equipment categories.
Passenger vehicles
Finance for new or used vehicles purchased through dealerships or private sellers, structured with terms that suit your circumstances and intended use.
Motorcycles
Funding solutions for recreational or commuter motorcycles, arranged through lenders who specialise in two-wheel vehicle finance.
Commercial vehicles
Finance for business vehicles including utes, vans, trucks and trailers. Lending may be structured through options such as chattel mortgages, finance leases or commercial hire purchase, depending on the needs of the business.
Equipment & machinery
Funding for essential business equipment including machinery, medical equipment, technology and specialised tools required for daily operations.
Agricultural equipment
Finance solutions for farming equipment such as tractors, harvesters and irrigation systems through lenders experienced in agricultural lending.
Vehicle & asset finance in Australia
Asset finance allows individuals and businesses to acquire vehicles or equipment while spreading the cost over an agreed loan term, typically ranging from one to seven years.
In most cases, the asset itself serves as security for the loan. This often results in a more streamlined approval process compared to other forms of lending.
At Amica Finance, we work with a broad panel of lenders including banks, specialist asset finance providers and non-bank lenders. This allows us to identify lending solutions suited to the asset being purchased, your financial position and how the asset will be used.
For business borrowers, there are several common financing structures — including chattel mortgages, finance leases and commercial hire purchase agreements. Each structure may have different accounting and tax implications, and we can assist in determining which may be most appropriate. Where relevant, we also recommend discussing these considerations with your accountant.
For personal purchases, vehicle finance can be arranged with straightforward repayment structures and flexible loan terms. Whether purchasing through a dealership or privately, we can assist in arranging finance so you can proceed with confidence.
Frequently asked questions
Can I finance a vehicle purchased from a private seller?
Yes. Many lenders will finance vehicles purchased through private sellers, provided the vehicle meets certain age and condition requirements. We can help identify lenders who accommodate these purchases.
What is a chattel mortgage?
A chattel mortgage is a common structure used for business asset finance. Under this arrangement, the borrower takes ownership of the asset at the time of purchase, while the lender holds a mortgage over the asset as security for the loan. Interest and depreciation may be tax deductible for eligible businesses, though we recommend confirming this with your accountant.
Is a deposit required for vehicle finance?
Deposits are not always required, particularly for newer vehicles or strong borrower profiles. In some situations — such as older vehicles or specialised assets — lenders may require a contribution towards the purchase price.
How long does approval usually take?
Approval timeframes vary depending on the lender and the type of asset being financed. In many cases, decisions can be provided relatively quickly once the required documentation has been submitted.
Can finance be arranged if my credit history is not perfect?
Some lenders specialise in working with borrowers who have experienced credit challenges in the past. Available options will depend on the circumstances, and we can explore suitable lenders where appropriate.