Car Loans
What is car loans?
Car Loans is a loan that helps you purchase a new or used vehicle by spreading the cost over affordable repayments. Instead of paying the full purchase price upfront, you borrow the required amount and repay it over an agreed loan term. At Flow Lending, we help individuals and businesses secure competitive car loan solutions with flexible loan options, fast approvals and repayments tailored to their budget. Whether you’re buying your first car, upgrading your family vehicle or financing a work ute, we make the process simple from application to settlement.
Low-doc options
Minimal paperwork to keep the application simple.
Dealer or private sale
Finance available for both dealership and private purchases.
Flexible terms
Loan types and terms structured around your cash flow.
3 Months Minimium ABN
$10k Monthly Turnover
Business or personal use
Benefits of Car Loans
Car loans makes purchasing a vehicle more affordable by allowing you to spread the cost over manageable repayments instead of paying the full amount upfront. Whether you’re buying for personal use or your business, car finance provides flexibility while helping you preserve your savings and cash flow. For many eligible businesses car finance can be low doc and obtained within short periods of time , there are options to get up to $500k with no financial documents at all just your licence , some lenders may ask for bank statements or financials subject to credit criteria , the best thing is all industries are accepted as long as the asset makes sense for the business, even if you are purchasing a luxury car as a directors vehicle we know how to get it done
Some of the key benefits of car loans include:
- Fast approvals and access to funds
- Flexible loan terms and repayment options
- Competitive interest rates for eligible borrowers
- Finance available for new and used vehicles
- Keep your savings available for other expenses
- Fixed repayments for easier budgeting
- Options for both individuals and businesses
- Low Doc Car Loans
- Mid Doc Car Loans
Success Stories
Toyota Hilux Purchase for a construction company
We facilatated a car loan for our construction client who needed to purchase a work ute to expand his business, based on his profile we only needed his drivers licence and we were able to get him approved within 4 hours
7 Cars for a growing rental company
Our car rental client structured a 7 year finance facility for his car loans to add more cars to his fleet and increasing their sales and profits all with just his licence and bank statements
Want to see more client funding results ? View our funded clients page
How it works
1. Short consultation
We start with a quick conversation to understand your business, the vehicle or asset you want and how much you need to borrow.
2. Documents and options
You provide your bank statements, ID and basic vehicle or asset details or a quote. We review your profile across our lender panel and outline the finance options available.
3. Approval and funding
Once you choose a direction, we submit your application. Many approvals and contracts are turned around within 24 to 48 hours.
Frequently asked questions
What are the rates and fees?
Every lender has different rates and fees based on your profile, industry and the vehicle you are buying. We disclose every fee and cost upfront so you can make an informed decision before you sign.
Do I have to buy from a dealership, or is private sale allowed?
Our extensive panel of lenders accepts both dealer sales and private sales. We can let you know which lenders are suitable for your type of vehicle and the way you plan to buy it.
Can I pay off my loan earlier?
We work with a wide range of lenders who have different early payout options. Some may offer full discounts or waivers on remaining interest, while others may offer partial discounts such as 50 or 75 percent. Your lending specialist will explain the early payout options for each lender before any formal application is made.
Is my business eligible?
Most lenders look for an active ABN or ACN, at least 3 months trading and around $10,000 or more in monthly turnover. If you are close to these figures, we can still review your situation and let you know what’s realistic.
Should i get a pre approval?
Getting pre-approval gives you a clear picture of your borrowing power, sets a strict budget, and shows sellers that you are a serious buyer.
Explore our finance services
Unsecured Business Loans
Keep your cash flow moving with fast, unsecured funding for stock, wages, projects and growth, without tying up property.
Equipment Finance
From tools and machinery to hospitality and even helicopters, we help you fund the equipment that keeps your business running.
Business Line of Credit
Access funds when you need them with a revolving line of credit, so you only pay interest on what you use.
Ready to finance your next vehicle?
Tell us what you are looking to purchase and we’ll show you asset finance options that fit your business and cash flow.