RAM Trucks FinanceStandard CL&M Home Buyer
A secured fixed rate commercial vehicle loan, available to homeowners.
RAM Trucks Finance publishes this at the same rates and fees as Nissan Financial Services's Standard CL&M Home Buyer, under the same ABN.
At a glance
- Fixed
- 8.99%
- Loan size
- $5,000 to no maximum
- Upfront fee
- $549
Rates
Every rate RAM Trucks Finance publishes for this business loan, 4 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| FixedMinimum fixed interest rate. Actual rate offered may vary based on the applicant's circumstances and credit assessment. | P&I | 7 yrs fixed | - | 8.99% | - | - |
| PenaltyA fixed loading applies to Commercial/Lease loans where the age of the financed Used vehicle exceeds 36 months. | P&I | - | - | 0.20% | - | - |
| PenaltyA fixed loading applies to Commercial/Lease loans where the age of the financed Used vehicle exceeds 60 months. | P&I | - | - | 0.50% | - | - |
| PenaltyA fixed loading applies where the contract term exceeds 60 months. | P&I | - | - | 0.50% | - | - |
Fees
9 fees published, grouped by when they're charged.
- When you take it outUp to $5492 fees, each listed below
- While you hold it$14Account Keeping fee
- When you close it or pay it off$0 to $30,000Early Termination Fee - Commercial
When you take it out2
- Establishment Fee
A one-off fee charged at the start of the commercial vehicle loan to cover the costs of setting up and processing the finance contract.
$549 - PPSR Fee
A fee charged to cover the cost of registering a security interest on the Personal Property Securities Register (PPSR).
$6
While you hold it1
- Account Keeping fee
A periodic fee charged for the administration and maintenance of the loan account.
$14
If a payment is late or fails2
- Payment Dishonour fee
A fee charged when a scheduled repayment is dishonoured, declined or cannot be processed.
$20 - Late Payment Fee
A fee charged when a payment is made more than 21 days after it is due.
$25 25 days after it's due
When particular things happen3
- Information Processing and Document Fee
A fee charged each time we provide, at the request of you or your agent, written information about your loan account or a copy of a document relating to this contract.
$15 - Contract Variation Fee
A fee charged each time we agree to your request for a variation to this contract.
$145 - Dealer Facilitation
A fee charged to cover dealer-related services involved in arranging or processing the finance contract.
$0 to $1,450
When you close it or pay it off1
- Early Termination Fee - Commercial
A fee that may apply when a loan is repaid before the end of the agreed loan term. The amount may vary depending on the timing of the early repayment and the terms of the loan contract.
$0 to $30,000
Features
- Commercial vehicle loan: - Available for eligible business customers, including sole traders and incorporated businesses. - Commercial loan and mortgage designed for businesses that use accounting sy…
Eligibility and limits
- Minimum age 18
- Residency: Resident
- Amount from $5,000, no maximum
- Maximum LVR 1.4%
- Applicant must not be subject to any current bankruptcy proceedings.
- Applicant must hold a current Australian driver's licence or learner's permit.
- Applicant must have a fixed, verifiable residential address in Australia.
- Applicants holding temporary visas must hold an acceptable visa with at least 12 months remaining before expiry.
- Minimum Term
- Maximum Term
- Acceptable asset condition
- Maximum contract term without balloon
- Maximum contract term with balloon
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Published by RAM Trucks Finance under the Consumer Data Right, last changed by them on 2 Nov 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.