Car, caravan & bike finance
Car, caravan and motorbike finance. Business or personal.
Work cars, fleet vehicles, caravans, boats and motorbikes. Business or personal, across a panel of 49 lenders. The form asks which, and I structure the loan to match.
- No credit check to enquire
- 49 lenders on the panel
- Typical approval 24–48 hours
Times are typical, not guaranteed.
What you need
Commonly financed
- Work cars and fleet vehicles
- Caravans
- Boats
- Motorbikes
Good to know
- Business or personal
- Business use runs through your ABN. Personal use is fine too. The enquiry form asks which, so the right lenders see the deal.
- Private sales are fine
- Buying from a private seller works, subject to a PPSR check and a written sale agreement.
- A straight answer early
- You'll know on the first call whether it's a yes, a maybe or a no, and exactly what documents the lender wants.
FAQs
Car, caravan & bike finance questions.
The questions I get asked most. Anything else, call or text me.
Reviewed by Rabi Alam · 14 September 2026
No, enquiring doesn't involve a credit check, so nothing is recorded on your credit file.
A credit enquiry only happens if you decide to apply with a specific lender, and I'll tell you before that happens.
Source: MoneySmart on credit scores
Enquiries start from any amount, but asset finance is usually best value from around $10,000 upwards.
Below that, a dedicated asset loan often isn't the cheapest way to buy, and I'll say so honestly if something else suits you better.
Conditional approval typically comes back in 24–48 hours once I have what the lender needs, and many deals settle within 3–7 days.
The biggest variables are how quickly documents come back, the supplier's paperwork and, for private sales, the PPSR check and inspection.
Yes, vehicles and equipment bought from a private seller can be financed, subject to a PPSR check and a written sale agreement.
Some lenders also want an inspection or proof the seller owns the asset outright. I'll handle the PPSR and walk you and the seller through the rest.
Source: PPSR register
Every cost is disclosed in writing before you apply: any broker fee is set out in your Credit Quote, and any commission the lender pays is set out in your Credit Proposal.
Lender fees such as application or valuation fees are shown up front too. Ask me on the first call and I'll tell you exactly what applies to your deal and how it's worked out.
Source: Emu Money Credit Guide