Circumstances change, so if your business already has a loan for commercial vehicles or equipment and you would like to refinance we can access replacement loan products that may suit your current needs.

No financials required for commercial clients on the following asset/good types for loans up to $200,000 (conditions apply). The general terms are as follows, call us today to find out more.


  • Commercial clients replacing an existing contract
  • New loan amount does not exceed 125 per cent of the original loan amount (for the contract being replaced) OR proposed monthly repayment does not exceed 125 per cent of the monthly repayment (for the contract being replaced)
  • Existing finance contract has been established for a minimum of 18 months
  • All credit checks (including reference on above contract) are satisfactory to the lender
  • Goods supplied via recognised supplier or via Private Sale (subject to full private sale conditions, fees etc)
  • The contract being replaced may be current or recently paid out (i.e. within the last 6 months) and held with a recognised lender


Assets you can refinance can include:

  • Passenger cars and commercial vehicles
  • Small to medium trucks and trailers
  • Prime movers (cement mixers, tippers and local transport work)
  • Buses (under government contract)
  • Earthmoving equipment – excavators, bull dozers, graders, skid steer loaders
  • Agricultural equipment – tractors and mowers
  • Material handling and access equipment – forklifts, container lifts, boom lifts and scissor lifts
  • Medical and Dental Equipment (excluding fixtures and fit outs)