FINANCE
Personal car finance through Loans4U, or commercial finance through Goldman Capital for businesses and ABN holders. Same car either way — we'll match you to the right path.
PersonalPre-approval from 40+ lenders in minutes. Real rate, not a guess. You own the car from day one and your repayments go to the lender, not the dealer.
For businesses, ABN holders, and sole traders. Finance the vehicle your business needs without draining cash reserves — simple structures, transparent terms, and a smooth path to full ownership.
AT A GLANCE
Same car either way. The difference is which name goes on the contract — and which set of tax rules applies.
| Loans4U · personal finance | Goldman Capital · commercial finance | |
|---|---|---|
| Best for | PAYG income, personal use, family car | ABN holders, sole traders, business / commercial use |
| Whose name on the loan | Individual | Business / ABN entity (or director-guaranteed) |
| Tax treatment | Repayments not deductible — it's a personal expense | GST on price & depreciation may be claimable* |
| Documentation | Payslips, ID, bank statements | ABN, BAS / financials (light-doc options available) |
| Approval time | Minutes to a few hours | Same day for standard files; 1–2 days for full-doc |
| Who owns the car | You, from day one | Your business, from day one |
* Commercial finance tax treatment depends on your business structure, usage of the vehicle, and current ATO rules. Speak to your accountant before signing — we're a dealer, not a tax adviser.
WHICH PATH FITS ME?
Browse the stock first — the price you see is the price you pay, drive-away. Then we'll line up Loans4U pre-approval or a Goldman Capital commercial application, whichever fits.
