Vehicle
Finance Perth
Finance the car, ute or equipment direct with the lender — no dealer markup, approvals often same-day.
Same-day
Approvals · no dealer markup
Is this you?
You've found the vehicle and the dealer's finance guy is doing the hard sell.
You're self-employed and want the tax-effective way to finance a work vehicle.
Your employer offers salary packaging and you're curious about novated leasing.
You want the loan sorted before you walk in, so you can negotiate like a cash buyer.
Sound familiar? A free 15-minute chat is the fastest way to see your options — book one here.
How TAG helps vehicle buyers
No dealer markup
Dealer-arranged finance often builds a commission into the rate you pay. We broker directly with the lender, so the rate is the rate.
Approved before you shop
Walk in with finance already approved and negotiate on the drive-away price like a cash buyer — the strongest position there is.
The right structure for the use
Chattel mortgage for business use, novated lease through your salary, or a standard car loan — each has different tax and cash-flow outcomes. We match the structure to how you'll use the vehicle.
Fast, genuinely
Most vehicle finance approvals come back same-day or within 24 hours.
TAG Finance finds you genuinely competitive vehicle finance — not the marked-up rates dealers earn through their in-house finance arms. Dealer-arranged finance often builds a commission into the interest rate you pay. TAG Finance compares specialist vehicle lenders with no dealer margin. For business use, the right structure — chattel mortgage, novated lease, or hire purchase — significantly impacts your tax outcome. Same-day approvals are available for most standard personal and business vehicle finance applications for cars, utes, vans, boats, caravans, and motorcycles.
Types Available
Chattel Mortgage
Business use. Own from day one. Claim full GST and depreciation immediately. Most popular for Perth businesses and tradies.
Novated Lease
Employee salary sacrifice through your employer. Reduces taxable income. Running costs can also be salary-sacrificed.
Consumer Car Loan
Personal use. Fixed rate, simple repayment structure. Available from major banks and specialist vehicle lenders.
Commercial Hire Purchase
The lender purchases the vehicle and hires it to you. GST payable on each instalment rather than upfront.
From choice to keys
Chat
The vehicle, the budget, and whether it's for business or personal use.
Approve
Same-day to 24-hour approval from the right lender at a direct rate.
Buy
You negotiate hard on price. We settle directly with the seller.
Drive
Keys in hand. We diarise the end of any balloon so it never sneaks up.
Run your numbers
Indicative market rates as at 19/07/2026: variable 5.80%–6.20% · 1yr fixed ~5.75%. Actual rates depend on your circumstances.
Monthly Repayment
$3,555
- Total Interest
- $679,793
- Total Repaid
- $1,279,793
Estimate only — not a formal assessment or loan offer. Results use simplified assumptions; your actual position depends on your full circumstances. Speak to a TAG broker for a free, personalised assessment.
Chattel mortgage, novated lease, car loan — which is which?
A chattel mortgage is the standard business vehicle loan: you own the vehicle from day one, the lender holds security over it, and business users can typically claim interest and depreciation (check with your accountant).
A novated lease is a three-way deal between you, your employer and a financier — repayments come out of your pre-tax salary, which can make it very tax-effective for employees.
A balloon (residual) is a lump sum left to the end of the loan to reduce monthly repayments. Lenders generally want the vehicle under 10–12 years old at the end of the term.
Proof, not promises
Same-day approvals on most vehicle and asset finance.
“Faultless from start to finish... efficient, proactive, and incredibly easy to work with.”
“Five-star service from all involved, what a team!”
Common Questions
Is dealer finance or broker finance cheaper?
Broker-arranged finance is usually cheaper, because dealer-arranged finance often includes a commission built into your interest rate. Going direct through a broker means the lender's actual rate — and with finance pre-approved, you can also negotiate the car's price harder.
How fast can car finance be approved?
Most approvals come back the same day or within 24 hours once we have your details. Settlement with the seller usually takes another day or two. If you've found the car this week, you can realistically be driving it this week.
What's the difference between a chattel mortgage and a car loan?
A chattel mortgage is for business use — you own the vehicle, the lender takes security over it, and interest and depreciation are generally deductible. A consumer car loan is the personal-use equivalent. Same idea, different tax treatment; your accountant confirms the numbers.
Is a novated lease worth it?
For many employees, yes — repayments and running costs come out of pre-tax salary, which can cut the real cost significantly, especially on EVs that are exempt from fringe benefits tax. It depends on your salary, employer and the car; we'll run your numbers both ways.
Can I finance a used car or a private sale?
Yes — lenders finance used vehicles and private sales, typically requiring the car to be under 10–12 years old at the end of the loan and valued above $10,000. Private sales need a couple of extra checks (ownership, payout of any existing loan), which we handle.
Should I pay cash or finance the vehicle?
If the cash would otherwise sit in an offset account against your home loan, financing the car and leaving the cash offsetting can be the cheaper move overall — home-loan interest saved often beats car-loan interest paid. We'll do that comparison for you before you decide.
Get approved before you shop
Same-day response. No dealer markup. Negotiate like a cash buyer.
The information on this page is general in nature and doesn’t take into account your objectives, financial situation or needs. Consider whether it’s appropriate for your circumstances before acting on it. TAG Financial Group — Transact Holdings 1 Pty. Ltd., Australian Credit Licence 405647. Our Credit Guide explains how we’re paid and how we work for you.