80+ lenders, one application
We compare banks and specialist commercial lenders in one go for the sharpest rate on your van.
108 reviews 5.0
Van finance. More room to work.
Make room for your next job. We’ll compare suitable van finance from our 80+ lender panel, with a broker to explain the costs and coordinate the purchase.
- Delivery, trade and service vans
- New and used vehicles
- Finance matched to business use
What have you got planned?
Let’s help you fund it.
If it delivers, carries or services, we can usually finance it. We arrange finance for:
Delivery and courier vans
Trade vans with racking and shelving
Refrigerated and insulated vans
Crew vans and people movers
Fitouts, signage and internal setups
New, used and ex fleet vans
Dealer and private sale purchases
Refinancing an existing van loan
Example brands and equipment
These van examples are not a restricted list. A lender will usually place more weight on the chosen asset's age, condition, specification and intended work than its badge.
- Toyota HiAce
- Ford Transit
- Mercedes-Benz Sprinter
- Volkswagen Crafter and Transporter
- Iveco Daily
- LDV Deliver 9
- Renault Master
What you can buy or refinance
The way this van is being purchased affects the lender's valuation, available term and security checks.
- cargo vans
- refrigerated vans
- courier vans
- mobile workshops
- passenger vans
- fit-outs
- new vans
- used vans
Documents that explain the purchase
These records connect the van, its total cost and intended work with the business's ability to make the repayments.
- base vehicle invoice
- fit-out quote
- delivery contract
- route schedule
- bank statements
- BAS
- PPSR result
Have something in mind? Let’s talk finance.
Get my free quoteVan finance.
More options. Less legwork.
A van is only earning once it's fitted out and loaded, an empty shell doesn't make deliveries or carry a plumber's stock. X Lend is a finance broker: we take one application and compare it across 80+ banks and nonbank lenders to fund your van, and where it stacks up we can roll the fitout into the same finance option.
Fitouts financed in
Racking, shelving, refrigeration and signage can often be wrapped into the same facility as the van.
Chattel mortgage structures
Own the van and finance it against the business, with GST and depreciation handled effectively.
Why choose X Lend for van finance?
Whether it's a courier run, a mobile trade setup or a delivery vehicle for the shop, we arrange the structure, usually a chattel mortgage, so you own the van, manage GST and depreciation, and keep working capital free for stock and wages. New, used, dealer or private sale, we sort it.
Because we compare the whole panel, we can match low doc options to established ABNs and structure deals that include racking, shelving, signage and refrigeration. We explain it in plain English, flag what affects your rate, and only submit once you're ready.
Low doc options
Established van operators may be able to support an application with current trading records when full-year financials are not the best evidence.
New, used and private sale
For a dealer or private van purchase, we identify the vehicle, verify the seller and reconcile any existing payout before settlement.
Fast settlement
Many van deals get a same day decision and settle in 48 to 72 hours, so it's on the road sooner.
Racking, shelving, refrigeration and signage can often be financed alongside the van so the complete work-ready vehicle sits under one payment. We structure the fitout as part of the asset where lender rules allows.
Work out your repayments.
Then find your finance.
Try an amount and term for your van finance. When you’re ready, we’ll compare the options available to you.
Van finance repayment calculator
Adjust the amount, term and rate to see an indicative repayment.
Estimate only. Calculations include an assumed $990 broker origination fee and $500 lender fee, both financed. Total repayable includes those fees, interest and any final balloon. Weekly and fortnightly figures are equivalents of the monthly estimate. Actual fees and repayment timing depend on your offer.
What rate could I get?
Your quote takes your circumstances and finance requirements into account. Compare your rate, fees and repayments together before choosing an offer.
Find my optionsA real customer.
A plan made possible.
The new courier business had won a delivery contract and needed a larger van, but had no completed financial statements and only seven months of trading history.
Commercial van finance · Melbourne, VICA Toyota HiAce funded against a new delivery contract
Approved on the first lender enquiry and settled at a historical rate of 9.69%, allowing the new delivery run to begin on time.
- 3 business days turnaround
- Finance arranged by X Lend
Historical customer outcome. Vehicle and business images are illustrative.
Find out what’s possible for you.
Get my free quoteYour circumstances.
Your finance options.
We match your circumstances to suitable lenders for van finance. Your broker helps you prepare the application.
What do lenders look at for van finance?
A lender wants to know what the van is, what it will do for the business, how long it should remain useful and whether the repayments are affordable. The details below explain the usual checks and what can help support the application.
From enquiry to settlement.
We’re with you all the way.
Your broker handles the lender comparison and paperwork for van finance, keeping you informed at each step.
- 01
Tell us your plans
Tell us what you want to finance, how much you need and when you need it. That could include delivery and courier vans.
- 02
We do the lender research
We help organise base vehicle invoice and fit-out quote and check the lender criteria that apply to your circumstances to find lenders that fit your situation.
- 03
Choose your finance
We explain the available rate, term, repayment and security options, including the full cost and how repayments fit your budget. You choose the option to take forward.
- 04
We organise settlement
Your broker coordinates lender conditions, signed documents and payment details, so you can focus on what comes next.
Start with your free quote.
Your broker reviews your enquiry and explains the next steps, usually within one business day. An enquiry does not create a credit check or an obligation to proceed.
Find the finance that fits.
Know what you’re choosing.
Compare the ways you can arrange van finance, with a broker to explain your options.
Balloon or no balloon: compare the whole repayment plan
Swipe across the table to compare all columns.
| Option | During the loan | At the end |
|---|---|---|
| No balloon | Higher regular repayments than the same loan with a balloon; the balance reduces faster | The scheduled loan balance is repaid when all payments have been made. |
| A balloon payment | Lower regular repayments, but interest is charged on a larger outstanding balance | A lump sum remains due. Budget for it rather than assuming resale or refinancing will cover it. |
| A shorter term | Higher regular repayments may reduce total interest on otherwise equal terms | Check affordability alongside the total amount repaid, fees and any payout costs. |
Use the calculator to compare the same amount, rate and term with and without a balloon. Refinancing requires a new assessment and is not guaranteed.
A refrigerated, courier or trade van may include equipment that depreciates differently from the base vehicle. Itemising both parts improves the finance and insurance discussion and makes replacement, warranty and payout planning clearer.
Fit-out may be separate security
Shelving, refrigeration, accessibility conversions and specialist equipment should be clearly priced and described.
Downtime affects the real cost
Consider delivery timing, conversion lead time and whether the current vehicle remains available during fit-out.
Used specialist vans need inspection
Service history and condition of both the vehicle and specialist equipment deserve attention.
The term should suit expected replacement
High annual kilometres may justify a shorter ownership and finance horizon.
Why the asset's age and condition matter
Kilometres, payload, stop-start use, refrigeration hours and fit-out condition influence van life and end value. In practical terms, this can change the deposit required, how long the loan can run and which lenders will consider the asset.
Tyres, brakes, refrigeration servicing and fit-out replacement should sit in the maintenance and replacement spending plan. These costs need to fit beside the repayments. The loan should also finish within the period the asset is expected to remain useful to the business.
How contracts and supplier payment dates can help
Courier agreements, delivery routes, service bookings and customer contracts can explain how much the asset will be used and when customer payments are expected. Contracts, purchase orders and confirmed work can help show how the asset is expected to earn money and when customers are expected to pay.
If the van supplier needs a deposit, progress payments and a final payment, list each date and amount. This lets the lender reconcile the full purchase cost and arrange the payment stages correctly.
What should I have ready before applying?
- Itemise the base van and fit-out.
- Estimate annual kilometres and replacement timing.
- Confirm insurance for the completed configuration.
- Check VIN, PPSR and payout for private purchases.
How we can help.
Illustrative examples of how we approach van finance.
A newer business purchasing van
The business has a shorter ABN history and confirmed work that requires the van.
How your broker helps
We identify lenders that can assess recent account history, industry experience and contracted work, then present the purchase as one complete operating proposal.
What to have ready
Business bank statements, GST registration, signed work agreements, the supplier quote and evidence of the operator's experience.
Used van with age or usage
The chosen asset has material age, hours or kilometres and remains suitable for the work ahead.
How your broker helps
We document condition, service history, specification and resale support, then compare lenders whose end-of-term age policy fits the proposed term.
What to have ready
Service records, inspection details, serial or VIN information, photographs, the invoice and a clear explanation of expected annual use.
Growth purchase with incomplete financial statements
Current work supports the purchase while the latest full-year accounts are still being prepared.
How your broker helps
We list the documents already available, current debts and expected payment timing, then compare lenders that accept that evidence.
What to have ready
Recent bank statements, BAS, management accounts, an accountant letter, contracts, purchase orders and a schedule of existing finance.
A word from your broker.
At X Lend, we start by matching the funding term to the job the money or asset needs to perform. We then identify the documents and policy issues, choose a suitable lender and ask the customer to approve one considered submission.
Let’s compare your options.
Get my free quoteKeep your business moving.
Keep cash for what’s next.
See how arranging finance compares with waiting or paying the full cost upfront.
With van finance
Put the van needed for suitable work into service without waiting to fund the full cost from cash.
Preserve working capital for wages, materials and tax while arranging the van.
Replace an unreliable or unsuitable van before downtime and repair costs increase.
The cost of waiting.
Suitable contracts may be missed when the required van is not available.
An older van can keep creating downtime or repair costs while its replacement is delayed.
Buying the van outright can reduce the cash buffer available for payroll, materials and unexpected costs.
Good finance.
Even better support.
Google reviews
Read reviews on Google Review on Google
Corey was excellent to deal with. He was able to get me a better rate than everyone else, he was very responsive, worked quickly and made the process very easy, even with me asking a million questions. I would definitely use him again next time.
Review on Google
I can’t recommend Corey from X Lend highly enough. From the very first conversation, he was professional, transparent, and genuinely focused on finding the best outcome for me. Corey took the time to explain every step of the finance process in a way that was easy to understand, answered all my questions promptly, and never once made me feel rushed or pressured. I really appreciated how proactive he was, keeping me updated, following up with lenders, and making sure everything stayed on track. What really stood out was how hard he worked to secure a great deal. He compared multiple lenders, negotiated on my behalf, and ultimately achieved a rate and repayment structure that exceeded my expectations. The whole process of purchasing my car was smooth and stress‑free thanks to their expertise. If you’re looking for someone knowledgeable, reliable, and genuinely in your corner, I wouldn’t hesitate to recommend them. I’ll definitely be using their services again in the future :)
Review on Google
Corey helped me through the entire process of getting my dream family car! He was extremely prompt with his responses and had everything organised quickly and smoothly. I made a huge mistake by settling finance on the wrong car (a 5‑seater instead of a 7‑seater), but Corey was incredibly understanding and supportive. He contacted the dealership, lender, and even rearranged my insurance for me. He did all of this without ever making me feel like a hassle, even though I knew I was being a pain! Despite the setback, Corey stayed fast and efficient, kept me confident throughout the process, and managed to get everything cancelled and re‑approved for a higher amount so I could get my actual dream car. I highly recommend Corey. He speaks to you like a friend and genuinely has your best interests at heart. I already had quotes from Toyota Finance and Toyota Insurance, and Corey was able to get both significantly cheaper. Toyota Finance even reviewed Corey’s figures and confirmed they couldn’t beat them. I will never look to another finance company again.
Let us help with
van finance.
Your van finance questions.
Answered.
The details you want to know before taking the next step.
Are you a lender or a broker?
We're a finance broker: we compare 80+ banks and nonbank lenders and place your van finance with the best fit for your business.
Can I finance the fitout and racking as well as the van?
Often, yes. Many lenders will fund racking, shelving, refrigeration and signage as part of the van's value, so the whole work ready vehicle sits under one facility. We'll structure it around what your lender allows.
Can I finance a van with a low doc application?
Frequently, yes. Established ABNs can often access low doc options without full financials. We match you to lenders comfortable with your trading history.
Can I finance a used or ex fleet van?
Yes. We arrange finance for used, ex fleet and private sale vans, handling the checks so the deal settles cleanly.
How fast can it settle?
Many van deals get a decision the same day and settle within 48 to 72 hours once your documents are in.
What brands, models or purposes can van finance cover?
Common examples include Toyota HiAce, Ford Transit, Mercedes-Benz Sprinter, Volkswagen Crafter and Transporter, Iveco Daily, LDV Deliver 9. This is not a restricted list: the lender will still look at the exact item or purpose, the amount requested and your circumstances.
What documents can support van finance?
A lender may ask for base vehicle invoice, fit-out quote, delivery contract, route schedule, bank statements, BAS. You may not need everything on that list. X Lend confirms what applies before anything is submitted.
How does X Lend work through a complex van finance application?
For van finance, we first confirm the transaction, timing and available evidence. We then explain the issues that matter, compare lenders whose rules fit those facts and show the proposed option before any application is submitted.
Keep exploring your options
Chattel mortgages explainedLow doc equipment financeEquipment finance vs a business loanBusiness loan eligibility checkerEquipment finance calculatorRent vs buying calculatorTransport and logistics financeRetail financeConstruction and trades financeDirectors' vehicle financeHino truck financeTruck finance
Further readingASIC — credit and lendingAustralian Business RegisterPPSR information for businessesbusiness.gov.au — leasing or buying vehicles and equipmentPPSR — buying a motor vehicle
Reviewed by Corey Marino
FBAA member M-354085 · Diploma-qualified finance broker · Last reviewed 24 August 2026