Vehicle & Equipment Loans

A Blue loan means better rates, better service, and a better fit.

Loans - ALIC Blue

Car
Loans

Loans - ALIC Blue

Motorbike
Loans

Loans - ALIC Blue

Caravan & Trailer Loans

Loans - ALIC Blue

Truck
Loans

Loans - ALIC Blue

Commercial Equipment Loans

Loans - ALIC Blue

Watercraft
Loans

Coupe Driving on Country Road in Vintage Sports Car

Car Loans

If you’re ready to purchase a new car for personal or business use, we’ll help make it happen.

Our lending panel includes top-tier bank and non-bank lenders, so our brokers will work with you until you find a loan that you’re 100% happy with.

Just as importantly, we’ll help protect your new asset from damage.  Whether you’re taking the kids to school or adding a new vehicle to your fleet, having the right insurance means you’re covered if accidents happen.

Blue means better because:

  • Loans tailored to your unique situation
  • Borrow up to $150,000
  • Optional insurance add-ons
  • Unlimited broker support

Motorbike Loans

Get loans for new and used bikes and scooters with our motorbike financing options.

Each loan is specifically tailored to your situation, making it simple to purchase everything from a new Ninja® to a classic Fat Boy.

In addition to our panel of motor vehicle financers, we’re also partnered with dedicated motorbike lenders, which means you can access financing packages designed specifically for riders.

Blue means better because:

  • Loans tailored to your unique situation
  • Borrow up to $75,000
  • Optional insurance add-ons
  • Unlimited broker support
Beautiful young stylish couple enjoying ride on a motorbike
Small white caravan through the trees

Caravan & Trailer Loans

Ready to experience life on the road?

With tailored campervan, caravan and trailer financing, we’ve made purchasing a new or used vehicle more affordable than ever.

Upgrade your current camper, find a sturdy 4×4 caravan for that outback trip, or pick up a trailer for your new landscaping business – it’s all possible with a Blue loan.

Talk to our specialist vehicle financing brokers to explore your secured, unsecured and business loan options.

Blue means better because:

  • Loans tailored to your unique situation
  • Borrow up to $80,000
  • Optional insurance add-ons
  • Unlimited broker support

ALICBLUE

The best things in life are Blue.

Contact us to find out how we can help you pay less on your vehicle loan.

truck on a highway through the grasslands area of eastern Washington, USA.

Truck Loans

Heavy vehicle financing can be complex, especially if you need specialised transport or earthmoving vehicles.

If you’re a business owner or operator, we’ll help you get a tailored loan that keeps your cash flow healthy.

Talk to us about low-doc and no-doc funding options that cover everything from light 4.5-tonne trucks to industrial vehicles like Moxy trucks and semi-trailers.   

Blue means better because:

  • Loans tailored to your unique situation
  • Optional insurance add-ons
  • Unlimited broker support

Commercial Equipment Loans

Accelerating your business’s growth means investing in the right equipment.

Since 2009, we’ve helped business owners and operators finance the equipment they need to get the job done – the loans we’ve brokered have covered everything from construction cranes to coffee machines.

Our loan options include chattel mortgages, asset leasing, and cashflow funding, which is why our commercial equipment loan applications have an approval rate of 96%.

Talk to us to find out how a Blue loan can help your business.

Blue means better because:

  • Loans tailored to your unique situation
  • Borrow up to $500,000
  • Optional insurance add-ons
  • Unlimited broker support
Bulldozer breaking ground at construction site
Fifty Something Man

Watercraft Loans

To get the best possible loan for your boat, yacht, or Jet Ski, you need tailored loans designed for watercraft.

Marine financing has specific requirements that can make regular loan structures unfavourable, which is why our brokers have access to lenders who offer both secured and unsecured watercraft loans.

Whether you’re purchasing a Jet Ski for weekend fun or investing in a boat for commercial operations, we’ll help you get out on the water as quickly as possible.

Blue means better because:

  • Loans tailored to your unique situation
  • Up to 100% LVR
  • Optional insurance add-ons
  • Unlimited broker support

TESTIMONIALS

What Our Clients Say

Vehicle Financing FAQs

Vehicle financing is a way to own a vehicle without having to pay the vehicle’s full price upfront. It involves you, the borrower, borrowing money from a lender, which can be a bank or another financial institution.

You’ll need to pay back the total sum of your borrowed loan, as well as interest on that loan, and you’ll need to do it within a certain period of time (the loan’s term). Normally, you’ll pay back your loan in scheduled weekly, fortnightly or monthly payments.

Some vehicle financing also includes balloon payments. A balloon payment is a large, one-off payment made at the end of your loan term (it can be up to 50% of your loan). Although making a balloon payment can be intimidating, lenders who offer balloon payments don’t make you pay interest on the balloon part of your loan, which can help reduce the total interest that you pay.  

Leasing and financing a vehicle are two very different things, but many people get them confused.

Leasing a vehicle simply means that you’re renting a vehicle that someone else owns. You’ll normally pay a set amount of money each week, fortnight or month in exchange for being able to use the vehicle.

Financing a vehicle means that you’ve borrowed money to buy the vehicle. Like leasing, you’ll pay a certain amount of money each week, fortnight or month for a certain amount of time. Unlike leasing, you’ll own the vehicle once you’ve paid back the money that you borrowed. 

Car finance interest rates can range from about 2% all the way up to 15% or higher. Interest rates vary depending on factors like:

  • Your credit score
  • The loan amount
  • The type of loan (secured or unsecured)
  • The loan term
  • Whether a balloon payment is involved
  • The lender
  •  

To find a car loan with an affordable interest rate, get in touch with one of our vehicle finance brokers.   

Financing a car can, in many situations, be a better option than buying it outright with cash.

The obvious benefit is that financing lets you afford a car even if you don’t have the money right now. Saving up enough for a new vehicle isn’t easy, but financing means you can purchase it with regular, affordable payments.

Financing a vehicle can also be a good choice even if you have the funds on hand. Spending tens of thousands of dollars at once means that money is no longer available for emergencies or investments; many Australians prefer to keep their money in reserve and only outlay through small, regular repayments.    

Vehicle financing does have several risks, though, which you should review before taking out a loan.

  • Interest on your loan means you’ll end up paying more than you would have if you bought the vehicle outright.
  • If you can’t make your vehicle’s repayments, it may be repossessed.

 

To make sure you’re getting the best loan for your financial situation, talk to a specialised vehicle finance broker. They’ll be able to guide you through the process of getting a loan, as well as fully explain any risks.

CONTACT US

Specialist vehicle financing for borrowers who want better.