Business Car Finance Leasing HP & Chattel Mortgage

Compare the interest rates that Jade can achieve on business vehicle finance against different loan products in the commercial use motor vehicle finance space. To compare repayments across lenders on the vehicle(s) you’re considering, just enter the data for your purchase and the table automatically calculates a repayment figure.

Business Vehicle Loan Products
- Handy Comparison Table

more information

Why Use Jade Car Loans?

Styled car icon

Driving cheap interest rates into every car loan

Cheap interest rates are at the very core of our business structure. It’s what defines us, differentiates us and gives you the competitive advantage. We optimise the freedom and the flexibility of our broker status to negotiate hard on interest rates with our strong bargaining power to deliver the cheapest rates for every car loan customer
Styled briefcase icon

Jade Car Loans is your key to a cheaper car loan

Whether you’re a private car buyer or purchasing a business vehicle, using Jade Car Loans as your finance broker is a smart and sensible decision. We’re not constrained by a limited set of loan options like many banks and lenders. Our accreditation with a vast number of banks and lenders broadens our sources to hundreds of loan products. With more choices comes more opportunities to source you the cheapest car loan.
Styled handshake icon

Reliability, longevity, track record - the broker you can trust

When it comes to your finances, every detail matters. Especially the broker handling your car loan. Well-established and reputable, Jade Car Loans has an impressive track record of performance over our 20 years in the lending sector. A reputation that is your assurance that you’re dealing with a company that is reliable and continues to deliver cheap car loans, year after year, customer after repeat customer. We’re an Australian-owned committed to providing workable, affordable and effective financial solutions so other Australian businesses and individuals can turn their goals into achievements.
Request Quote

Comprehensive Commercial Vehicle Finance with Jade Car Loans

Jade Car Loans provides the full range of commercial finance facilities for the purchase of motor vehicles for business purposes. Our portfolio includes products to suit all types of businesses including self-employed, SMEs and large corporations for single, multi or fleet vehicle purchases. We also offer novated lease with salary sacrificing for individuals who choose to make this arrangement with their employer.

Our Jade consultants are highly experienced business vehicle finance specialists with the resources and network of lender contacts to source an exceptional car finance deal to suit your business requirements.

Happy middle age couple enjoying while choosing and buying new car at showroom

All our business lending products feature

All our business lending products feature:

  • The Jade signature low interest rate
  • Interest rate fixed for the term of the finance contract
  • Fixed monthly repayments
  • Fixed finance term
  • No deposit car loan options available

Selecting which is the most suitable business motor finance or leasing facility for your business will be determined in consultation with your accountant

Major differences across business vehicle finance products

  • Suitability for different methods of business accounting method
  • GST treatment
  • Tax deductibility of the repayments, interest, fees etc
  • Depreciation
  • On or off balance sheet item
  • Ownership/title of the vehicle during the term of the finance contract
Please review more detail on each of our business vehicle finance products on the dedicated web pages or just call us and your consultant will explain the details to you.

Speak with a Jade Consultant to discuss a financing solution for your business vehicle. Call 1300 000 003

Request a Quote
Styled check icon

Car Lease – Key Features

  • Fixed interest rate, fixed loan term, fixed monthly repayments.
  • GST on repayments and the residual is paid and claimed by the borrower.
  • Off-balance sheet item. Repayments treated as operating expense.
  • Lender retains ownership title until all payments are finalised.
  • Residual set according to ATO guidelines.
  • More Information On Car Lease

Styled check icon

Novated Car Leasing and Salary Sacrificing – Key Features

  • Financial agreement between employee, employer and lender.
  • Employer pays monthly lease payments from employee’s pre-tax salary.
  • Fixed interest rate, fixed loan term, fixed monthly repayments.
  • More Novated Lease Information

Styled check icon

Commercial Hire Purchase (CHP) – Key Features

  • GST on the vehicle purchase may be claimed on the next BAS.
  • GST does not apply to monthly repayments and interest but does apply to fees and other charges.
  • Monthly payments are not tax deductible. Interest is tax deductible.
  • Fixed interest rate, fixed loan term, fixed monthly repayments.
  • Lender retains ownership title of vehicle until loan is finalised.
  • Learn More On Commercial HP

Styled check icon

Chattel Mortgage – Key Features

  • Monthly payments not tax deductible, only the interest is deductible.
  • GST on full purchase price claimed on next BAS at time of purchase, so GST does not apply to monthly repayments and interest. GST charged on any charges and fees.
  • Fixed interest rate, fixed loan term, fixed monthly repayments.
  • Depreciation on the vehicle account at EOFY.
  • Lender takes a ‘mortgage’ over the vehicle until all repayments including balloon are finalised.
  • More Information On What Is A Car Chattel Mortgage

Car Interest Rate Calculator

Please be aware that the estimates derived from the calculator are in no way intended as an accurate quote for a loan; are not an offer of a loan; are not a loan application or in any way a loan approval. This is a generic device which calculates values based only on the data input. The functionality is not included to allow for specific details around your individual loan application or the charges and fees that an individual lender might apply to your loan.

 

Any offer of a loan and the repayments associated with that loan that you may be made after your application is fully processed by Jade, may be more or less than the estimate derived by the calculator.

 

The calculator does not calculate estimates for loans that are interest-only. It is structured to calculate the interest and subsequent monthly repayments through compounding interest for the loan term input.

 

This calculator is made available for a resource only to allow for planning and estimation purposes. It is not meant as a tool for basing financial decision. For an accurate loan quote based on your specific requirements, please contact Jade so one of our consultants can assist you. If you consider you require professional financial advice, we advise you refer to a financial advisor.

Lender Loan Product Interest Rates From Monthly Repayment
Jade Business Car Loan 6.70%Fixed Rate $589.80 MONTHLY
Jade Business Loans - Unsecured 14.95%Fixed Rate $712.91 MONTHLY
Jade Business Loans - Secured 6.85%Fixed Rate $591.92 MONTHLY
Jade Overdraft - Non Bank 14.95%Fixed Rate $712.91 MONTHLY
Jade Chattel Mortgage 6.85%Fixed Rate $591.92 MONTHLY
Jade Operating Leases 6.85%Fixed Rate $591.92 MONTHLY
Jade
Business Car Loan
6.70%Fixed Rate $589.80 MONTHLY
Jade
Business Loans - Unsecured
14.95%Fixed Rate $712.91 MONTHLY
Jade
Business Loans - Secured
6.85%Fixed Rate $591.92 MONTHLY
Jade
Overdraft - Non Bank
14.95%Fixed Rate $712.91 MONTHLY
Jade
Chattel Mortgage
6.85%Fixed Rate $591.92 MONTHLY
Jade
Operating Leases
6.85%Fixed Rate $591.92 MONTHLY

We work harder to secure the best rates.

Woman at the table with a laptop

In order to provide the best experience, your details are saved on our secure server as you enter them.