Fast, Competitive Finance for What Moves You
Cars, equipment, machinery — quick approvals and sharp rates, without the dealership markup.
What We Finance
New & Used Vehicles
Private purchases or dealership sales mapped to highly competitive vehicle lending solutions.
Business Equipment
Lending models covering essential machinery, commercial tools, or operational technology.
Novated Leases
Salary packaging solutions that let you fund a vehicle pre-tax to optimize tax savings.
Recreational Assets
Securing finance for caravans, boats, jet skis, and recreational assets.
Dealerships vs Urban Loans
Dealer finance is convenient, but it's rarely the cheapest. We contrast options across our panel to guarantee a lower rate and same-week settlement approval.
👎 Dealership Finance
- • Limited to single-lender dealer programs.
- • Often features high "balloon" payments.
- • Dealing with high-pressure sales consultants.
👍 Urban Loans
- • We compare options across our entire panel.
- • Flexible structures tailored to your cash flow.
- • Independent advice that stands in your corner.
Car & Asset Finance FAQs
Typically brand new cars attract lower interest rates because they are viewed as lower-risk collateral. Rates on used cars vary depending on the vehicle's age and condition.
Yes. We offer self-employed low-doc car finance options that let you secure vehicle funding using an ABN declaration and bank statement audits, without needing full tax returns.
A balloon payment is a lump sum amount left owing at the end of your loan term. This reduces your monthly repayments during the term, but requires you to pay off or refinance that remaining balance at the end.
Our digital applications are streamlined. Most car and equipment loans are pre-approved within 24 to 48 hours of document submission.
Get your quote today
Fast, competitive asset finance structured for your cash flow requirements.
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