The Finance Algorithm
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Commercial Vehicle Loan with a Guaranteed Future Value (GFV) Option

Our business vehicle loans – aka chattel mortgages, goods loans or commercial loans – help you buy and own vehicles under your ABN. If you use it mostly for work (more than 50% of the time), you’re eligible to apply.

Business loansRates on applicationLender updated 23 Sept 2026
Product page ↗Fees and pricing ↗

At a glance

Pricing
Rates on application
Loan size
$5,000 to no maximum
Upfront fee
$599
Monthly fee
$20

Rates

The one rate Angle Auto Finance publishes for this business loan.

TypeApplies toTermBandRateComparisonConditions
DiscountP&I--0.70%-This offer is available to approved Angle Auto Finance customers financing an eligible new or demonstrator battery electric vehicle (BEV) up to an invoiced purchase price of $90,000 (including GST); EV discount

Fees

15 fees published, grouped by when they're charged.

  1. When you take it outUp to $6905 fees, each listed below
  2. While you hold it$20 a monthAccount Keeping Fee — Business Vehicle Loan (Monthly)
  3. When you close it or pay it offVaries2 fees, each listed below

When you take it out5

  • Establishment Fee — Business Vehicle Loan (Cars)

    Applies when the financed asset is a car. Paid by you to Angle Auto Finance and included in your total amount financed.

    $599
  • Establishment Fee — Business Vehicle Loan (Trucks)

    Applies when the financed asset is a truck. Paid by you to Angle Auto Finance and included in your total amount financed.

    $690
  • Origination Fee — Business Vehicle Loan (Cars)

    Up to $1,595.00 (incl GST). Applies when the financed asset is a car. Paid by you to Angle Auto Finance and included in your total amount financed.

    $0 to $1,595
  • Origination Fee — Business Vehicle Loan (Trucks)

    Up to $1,995.00 (incl GST). Applies when the financed asset is a truck. Paid by you to Angle Auto Finance and included in your total amount financed. See AAF Fees and Charges Guide — Business Vehicle…

    $0 to $1,995
  • Registration of Security Interest Fee — Vehicle Loan

    Paid by you to Angle Auto Finance and included in your total amount financed.

    $6

While you hold it1

  • Account Keeping Fee — Business Vehicle Loan (Monthly)

    Charged monthly. Paid by you to Angle Auto Finance on each repayment date and included in your repayment amount.

    $20 a month

When you make a transaction1

  • Dishonour Fee — Vehicle Loan

    Payable each time a direct debit or other payment is dishonoured.

    $9

When particular things happen5

  • Duplicate Fee — Vehicle Loan

    Payable each time we provide a copy of any statement, notice or other document you ask for.

    $20
  • Late Payment Fee — Vehicle Loan

    Charged when payment is not received within 15 days after the repayment date.

    $20
  • Payout Request Fee — Vehicle Loan

    Payable each time we provide a statement of the amount needed to repay early which you ask for.

    $20
  • Search Fee — Vehicle Loan

    Payable for each search of the security register.

    $2
  • Statement Fee — Vehicle Loan

    Payable each time we provide a written statement of your transaction history you ask for.

    $20

When you close it or pay it off2

  • Break Cost — Vehicle Loan

    Unascertainable. Not charged if your loan is terminated within the last 3 months of your loan term.

    From $0
  • Early Termination Fee — Business Vehicle Loan

    Calculated as a multiple of the average monthly repayment based on years since settlement. Not charged if your loan is terminated within the last 3 months of your loan term.

    From $0

Other fees1

  • Excess Usage Charge — Vehicle Loan

    Up to 25 cents per excess kilometre. For Guaranteed Future Value (GFV) variants, the excess usage charge is calculated for each kilometre your actual usage exceeds the contracted end odometer.

    From $0

Features

  • Digital Account Access for individual customers only - not available for companies, trusts and partnership
  • Guaranteed Future Value (GFV) locks in your vehicle’s future value (as determined by us) upfront – available when you finance through a participating dealership. It gives you more certainty, knowing…

Eligibility and limits

  • Amount from $5,000, no maximum
  • The applicant must meet Angle Auto Finance's eligibility and lending criteria
  • Asset condition must be either New or Demo
  • Vehicle is predominantly for business use (more than 50% of the time)
  • Available for loan terms between 36 months and 60 months depending on the make and model of the financed vehicle

Published by Angle Auto Finance under the Consumer Data Right, last changed by them on 23 Sept 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.