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Business Car Finance Leasing HP & Chattel Mortgage

Jade Car Loans provides a comprehensive range of commercial loan products for business vehicle purchases. 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.

Low interest rates on commercial vehicle financing
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Why Use Jade Car Loans?

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

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.

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.

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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.

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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

1300 000 003

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

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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

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

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

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.

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THE INTEREST RATE IS CALCULATED ON A SECURED LOAN PREDOMINATELY FOR BUSINESS USE, EFFECTIVE 21/11/2024 AND SUBJECT TO CHANGE. WARNING: THE INTEREST RATE IS TRUE ONLY FOR THE EXAMPLES GIVEN AND MAY NOT INCLUDE ALL FEES AND CHARGES. DIFFERENT TERMS, FEES OR OTHER LOAN AMOUNTS MAY RESULT IN A DIFFERENT INTEREST RATE.

We work harder to secure the best rates.