A Vehicle Finance Loan—sometimes called a chattel mortgage, commercial hire purchase (CHP), hire-purchase loan, or novated lease—is a flexible way to finance your next vehicle purchase, whether it’s a trades van, family SUV, electric car, or work ute. You’re able to spread the cost over manageable installments instead of depleting your savings.
If you're on the Sunshine Coast and need a vehicle that fits your lifestyle or work without the hassle of big upfront costs, this guide is for you.
We help:
At I Know The Broker (IKTB), we get how important a good vehicle is to your life or business. That’s why we specialise in vehicle finance loans tailored to your needs, ensuring you remain protected, tax savvy, and cash flow positive—all at no cost to you. Lenders pay us after settlement.
Book a time in our calendar today to chat with a broker about Vehicle Finance Loans that suit your specific needs.
The vehicle acts as security, allowing lenders to offer competitive terms. You pay GST back to yourself and claim depreciation and interest as tax deductions (if used for business).
| Myth | Reality & How IKTB Helps |
|---|---|
| Car finance loans come with hidden fees | We compare full terms and present all cost components transparently. |
| My credit score must be perfect | We work with multiple lenders, including ones that accept imperfect credit or older filings. |
| Only new vehicles qualify | Used, demo, EVs — all are eligible. We review vehicle value and age. |
| Rates are always high | We negotiate business or green car rates, often beating dealership offers. |
| It’s expensive to use a broker | IKTB's car finance service is fee-free to you. Lenders cover us post-settlement. |
A crew leader on the Coast needed a new work ute within a week of securing a big contract. His bank dragged their heels. IKTB sourced a car loan through a business lender the same day—deal approved, funds ready, vehicle delivered before the week’s end. Cash flow intact, job won, expectations exceeded.
Whether you're a small business owner in Caloundra upgrading your fleet or a new family in Buderim needing a reliable second car, I Know The Broker has your vehicle financing covered. Our Mooloolaba vehicle loan specialists can help you get on the road faster, while our car finance brokers in Noosa tailor loan solutions to fit your budget and lifestyle. We’re also proud to support Sunshine Coast locals from our Caloundra lending hub, whether you’re financing a ute for work or a family SUV. Drop into our Buderim auto finance office or give us a shout online—let’s find a car loan that moves with you.
Often none required—LTV depends on lender and vehicle type.
Yes—many lenders accept well-maintained used cars (up to certain age/mileage) and offer competitive EV finance.
If the vehicle is used >50% for business, you can claim GST, depreciation, and interest costs.
We work with lenders who base decisions on income and vehicle collateral, not just credit history.
"*" indicates required fields
At IKTB, we have a team of professional finance brokers who are able to provide the exact information you need. We’re here to work for you and your future endeavors
