Vehicle & Equipment Finance in Perth

Need a car, ute, truck or business equipment in Perth? Walking into the dealer and accepting their finance offer is the easy option. It's also typically the most expensive. Dealer finance often carries rates well above what specialist lenders offer, and the right structure can save thousands over the loan plus unlock real tax advantages, including the $20,000 Instant Asset Write-Off available for the 2025 to 2026 financial year.

Launch Finance compares vehicle and equipment finance across a wide panel of specialist lenders. Most applications get conditional approval within 24 to 48 hours.

Personal vehicle finance

• Consumer car loans for new or used vehicles (1 to 7 year terms)
• Personal loans for private sales or older vehicles

Business asset finance

• Chattel mortgage. Claim GST upfront, interest tax-deductible
• Operating lease. Predictable monthly cost, no ownership risk
• Novated lease. Employer pays from pre-tax salary
• Commercial hire purchase. Ownership transfers on final payment

Eligible small businesses (turnover under $10M) can immediately deduct asset purchases under $20,000 installed by 30 June 2026. The ATO car limit for passenger vehicles is $69,674 (2024 to 2025).

How does the $20,000 Instant Asset Write-Off work in 2025 to 2026?

Eligible small businesses (aggregated annual turnover under $10 million) can immediately deduct the business-use portion of eligible assets costing under $20,000 each, provided the asset is first used or installed ready for use between 1 July 2025 and 30 June 2026. The threshold applies per asset, so multiple assets each below $20,000 can be claimed in the same year. It is currently scheduled to revert to $1,000 from 1 July 2026.

Can I finance a used vehicle in Perth?

Yes, most asset finance lenders fund both new and used vehicles. Older vehicles (typically over 10 to 12 years old at the end of the loan term) can be harder to finance and may attract higher interest rates, but options are available for almost any roadworthy asset. Most applications are conditionally approved within 24 to 48 hours.

Call 08 9367 4222 for a quote. Genuine comparable options, no sales pitch.