Easy EOFY car Finance

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Why Apply Before EOFY?

For eligible ABN holders, upgrading before EOFY may do more than get you into a newer work vehicle. Depending on your business structure and how the vehicle is used, you may be able to access tax benefits such as the instant asset write-off on eligible vehicles under $20,000, depreciation on higher-value vehicles, and GST credits on qualifying purchases.

Instant asset write-off

Eligible small businesses may be able to immediately deduct the business portion of a vehicle costing less than $20,000 in 2025–26, provided the asset is first used or installed ready for use by 30 June 2026. The $20,000 threshold applies per asset and generally to businesses with aggregated turnover under $10 million

Depreciation on higher-value vehicles

If the vehicle costs $20,000 or more, eligible small businesses using simplified depreciation generally add the business portion to the small business pool instead of claiming the full amount upfront. The usual pool rates are 15% in the first year and 30% each year after

GST credits on purchase

If your business is registered for GST and the vehicle is bought for a creditable business purpose, you may be able to claim a GST credit on the purchase. For cars above the car limit, the maximum GST credit for 2025–26 is $6,334.

Business-use deductions

You can generally only claim the business-use portion of the vehicle, not private use. That is why logbooks and usage records matter.

Disclaimer

Tax benefits depend on your individual circumstances, business use and eligibility. Speak to your accountant or tax adviser to confirm what applies to you.

Why Choose Ausloans

When timing matters, you need more than just finance options. You need a team that can help you move quickly, compare lenders and find a solution that fits your business needs.

GER PRE-APPROVED IN MINUTES

Access 70+ lender

Compare a wide range of business vehicle finance options in one place.

Fast turnaround before EOFY

Move quickly on the right car, ute, van or truck before 30 June.

Tailored to your business

Options for ABN holders, sole traders, business owners and growing fleets.

No credit score impact to explore

Explore options tailored to your business without hurting your credit score.

STEP 1: 2 MINUTE FINANCE APPROVAL PRE-CHECK

Complete our 2 minute online loan comparison and finance approval pre-check and our powerful AI will start unlocking your lender options with no impact on your credit score

STEP 2: UPLOAD YOUR DOCUMENTS

Upload your documents through our safe and secure upload portal to verify your information and our AI will match you with your best personalise rate offers with no impact on your credit score.

STEP 3: CHOOSE YOUR LENDER & GET APPROVED

Review your loan options with our finance expert. They will give you a call to help you choose your best lending option and if you want5 to proceed will submit the application for approval on your behalf.

EXPERT TIP

Using Ausloans loan comparison and approval pre-check won't affect your credit score until you proceed with a lender.. Start by checking your loan and rate options with our no-obligation finance checks.

Do I qualify for finance?

To qualify for finance you need to:

Be over 18 years old.
Be an Australian citizen or permanent resident*
Be currently employed**
Earn at least $400 per week (after tax)
Not be in an undischarged bankruptcy or part 9 debt agreement.

*We may be able to help if you have a visa with more than 2 years remaining.
**Min 1-month permanent employment (full or part-time) with continuation of the same industry (probation periods may be considered) - Or 6 months casual employment.
*** We may be able to help if you are employed full time and more than half of your bankruptcy period has passed.

What documents do I need to apply?

Making an application is quick and easy. You just need to have the following documents ready to give to your broker:

Drivers license
ABN number

Or if you are employed:

Two recent payslips

Can I get a loan if I am bankrupt?

Not if you are currently in bankruptcy or a Part 9 or 10 debt agreement. However, if you are discharged or more than half of your bankruptcy period has passed we can be able to assist you. Click here for an assessment that will not damage your credit score or call on 1800 277 689 and talk to one of our experienced brokers to find a solution.

Can I still get a car loan if I am self-employed?

Yes, you can. If you are self employed, you can borrow 100% of your car's purchase value and include extras such as insurance and extended warranties.

Yes, you can get approved for a used car loan with Ausloans. Used car loans are a type of personal loan that enables you to finance a second-hand car that's typically over a certain age. To learn more about used car finance speak to your Ausloans broker.

Yes, you can get approved for a bad credit car loan. At Ausloans we believe in assessing your circumstances and finding a solution that best suits you, so if you have bad credit or you are currently on Centrelink we might be able to help you. To help bad credit car finance applicants or Centrelink car loan applicants, we created 1800Approved; an established car finance brand specialising in credit rehabilitation for mid and subprime lending for both consumer and commercial applicants. We do this with the help of our 40+ lender portfolio, so give us a call or click here for an assessment that will not damage your credit score.

Yes! Many of our loans give you the option to pay your loan off before the term is up. Speak to one of our financial professionals to tailor a solution for you.

A balloon payment allows you to reduce your repayments during the car loan term by making a one-off lump sum payment at the end of your loan. For example, if you were to take a $30,000 loan over five years with a 30% balloon, your regular repayments at a comparison rate of 8.10% would drop from $609.73 per month to $467.24 per month with the addition of a $9,000 lump sum payment due with your final payment. Balloon payments are available for cars that are up to five years of age. We will contact you within the last six months of your loan term to discuss your payment options. Your payment options could include refinancing the balloon amount in a new car loan. Alternatively, you could pay this balloon payment from your own funds.

EOFY CAR FINANCE FOR ABN HOLDERS

ABN holder, sole trader or business owner? Get fast car, ute, van and truck finance before 30 June, with options tailored to your business needs and budget.

Compare 70+ lenders | Personalised Rate Offers | No Credit Score Hit

Who Can Apply for EOFY Business Vehicle Finance?

ABN Holders

Sole Traders

Business Owners

Why Apply Before EOFY?

Instant asset write-off

Depreciation on higher-value vehicles

GST credits on purchase

Business-use deductions

Disclaimer

Why Choose Ausloans

When timing matters, you need more than just finance options. You need a team that can help you move quickly, compare lenders and find a solution that fits your business needs.

Compare 70+ Lenders - One App Zero Credit Score Damage

No shopping around. No unnecessary credit hits.

3 Step Car Finance

STEP 1: 2 MINUTE FINANCE APPROVAL PRE-CHECK

STEP 2: UPLOAD YOUR DOCUMENTS

STEP 3: CHOOSE YOUR LENDER & GET APPROVED

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