Van finance that keeps deliveries rolling
Delivery, trade and refrigerated vans and people movers, financed and fitted out around your business.
- Free to compare
- A specialist partner broker, start to finish
- No credit score impact
Typical ranges only. Actual limits depend on the lender and your circumstances.
Example rate only: not a comparison rate, quote or offer of credit. Your rate depends on your credit profile, the lender and the asset. Excludes fees and charges.
How van finance works with us
Parcels, mobile business or passengers, your van earns its keep daily. The right structure aligns repayments with its income.
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Your broker can include racking, refrigeration and fit-out where lenders allow, and help you choose a chattel mortgage or lease.
- Delivery vans
- Refrigerated vans
- Trade vans with shelving
- Minibuses and people movers
- Mobile business fit-outs
- Signage and wraps
Fit-out finance
Shelving, refrigeration and conversions can often be included.
Structure options
Chattel mortgage, lease or hire purchase, depending on how you want to own it.
Courier-friendly
Lenders our partner brokers work with understand contract drivers and delivery businesses.
Multiple vans
Growing a fleet? We can structure finance for several vans.
Van finance for couriers, trades and mobile businesses
Lenders look at where your income comes from, your ABN history and how specialised the fit-out is. Standard vans are generally easier to finance; your broker asks about the build early to find a comfortable lender.
Read the full explanation
Vans tend to be financed for a clear earning purpose, and lenders look at that purpose. A contract courier with a steady run, a plumber with a racked-out service van and a mobile dog groomer with a custom build all present differently. Lenders usually want to understand where the income comes from, how long you have held your ABN and whether the van has specialist fit-out that may affect resale value. Standard panel vans are generally easier to finance than heavily customised units.
Fit-out is often a large share of the cost. Shelving, refrigeration, partitions, ladder racks and signage may be included if they are part of the purchase. Converted vans used as food trucks or mobile workshops can be financed too, but some lenders treat the conversion as equipment rather than vehicle, which can change the structure. Your broker will ask about the build early, so the application goes to a lender that is comfortable with your van type.
- Contract couriers and delivery drivers
- Trades running racked-out service vans
- Mobile businesses with custom builds
- Businesses adding a second or third van
Pros and watch-outs
Pros
- Van and fit-out often financed together
- Options for contract drivers with steady income
- New and used vans may be considered
- A track record can ease adding vans
Watch-outs
- !Heavy customisation may narrow lender choice
- !High-kilometre used vans can get tighter terms
- !Late fit-out may need a separate facility
Costs and fees to compare
The interest rate is only part of the cost. Ask your broker to show these side by side.
Interest
Set by the lender; depends on van age, build and business history.
Fit-out costs
Racking, refrigeration and partitions bought with the van are financed across the term.
Fees
Expect an establishment fee and possibly a monthly fee.
Balloon
Can reduce repayments; useful for high-kilometre vans you’ll replace.
Insurance
Most lenders need comprehensive cover, including fitted equipment, before settlement.
Tips to strengthen your application
- 1Bring any courier contract to help show steady income
- 2Ask whether signage and wraps can be included
- 3Itemise the fridge unit on refrigerated van invoices
- 4Neutral builds may be easier to finance than one-off conversions
What you’ll need
What you’ll need
- ABN and business registration
- Driver's licence (each director or owner)
- Recent business bank statements
- BAS or financials (full-doc loans)
- Asset invoice or quote
What lenders look for
- Active ABN (some lenders want 12+ months; others accept newer)
- GST registration for larger or low-doc deals
- Mainly business use (usually over 50%)
- Clear owner or director credit, or a good explanation for issues
First chat to funds in four steps
How it works in detail →- 1Tell us what you’re after
- 2Meet your broker
- 3Compare and choose
- 4We handle the rest
Van finance: common questions
Can I finance a van as a contract driver?
Yes. Many lenders work with contract couriers. Evidence of your contract and income will help.
Is refrigeration included?
If it is installed at purchase and on the invoice, many lenders will include it.
Lease or chattel mortgage?
A lease means the lender owns the van while you use it. A chattel mortgage means you own it from day one. The right choice depends on your tax position, so check with your accountant.
Can I finance a used van?
Yes. Most lenders finance used vans, subject to age and condition.
Can I finance a food truck van conversion?
Some lenders will finance a food truck, either as a vehicle with fit-out or with the kitchen equipment financed separately. It often depends on who did the build and whether it is certified. Your broker can check which approach the lender prefers.
How many kilometres is too many for a used van?
There is no single limit. Each lender has its own policy on age and kilometres, and some consider the van's condition and service history. Your broker can tell you which lenders are more flexible on higher-kilometre vans.
Can I finance a van if I'm new to courier work?
Possibly. Some lenders work with new contract drivers, especially if you have a signed contract or relevant work history. A deposit or a guarantor may help in some cases, depending on the lender.
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