Finance a vehicle
Cars, utes, vans, trucks and transport assets — new, used, dealer or private sale.
Finance. Personally handled.
Asset finance without the runaround.
SERV FINANCE helps individuals and businesses find finance for vehicles, equipment and other major assets — with clear advice, personal service and someone in your corner from application through to settlement.
30+ Years Automotive & Finance40+ lendersOne point of contactNo obligation
Start with your situation
The right finance starts with the right conversation.
Finance machinery or equipment
Earthmoving, forklifts, farming equipment, business equipment and more.
Self-employed or new business
Finance options for sole traders, contractors and businesses with more complex circumstances.
Lifestyle & personal finance
Caravans, boats, motorcycles and personal loans.
Receiving a car allowance
Sales reps, BDMs and field managers — your allowance counts as income and can support a vehicle finance application.
Buying an electric or hybrid vehicle
BEVs, PHEVs and hybrids — including fleet, novated lease and FBT-exempt options. We work across 40+ lenders to find the right structure.
Logistics, transport or adding to your fleet
Trucks, vans, trailers and commercial vehicles — whether you're starting a run or expanding an existing fleet, we can structure finance around your operation.
Tour buses and coaches
Charter coaches, minibuses and tour vehicles — finance for operators of all sizes, from a single addition to a full fleet refresh.
Earthmoving equipment
Excavators, dozers, graders and loaders — new or used, dealer or private sale. Finance structured around project cycles and cash flow.
Warehouse operations — forklifts
Counterbalance, reach trucks, order pickers and pallet jacks — we arrange finance for new and used forklifts across a wide range of lenders.
Tradie utes and work vans
Utes, vans and dual-cabs for tradies — plumbers, electricians, builders and more. New or used, with finance structured around your business setup.
Construction equipment
Concrete pumps, mixers, compressors, scaffolding and site equipment — finance for builders and contractors at any scale.
Agriculture and farming equipment
Tractors, harvesters, headers and irrigation equipment — finance tailored to seasonal income and farming business structures.
Refrigerated and cold chain vehicles
Refrigerated trucks, vans and trailers for food, pharmaceutical and cold chain logistics — we understand the asset and can find lenders who do too.
Medical and dental equipment
Imaging, dental chairs, surgical equipment and practice fit-outs — higher-value assets for professionals who need finance structured around practice income.
Solar and battery systems
Commercial solar arrays, battery storage and energy systems — finance for businesses looking to reduce operating costs and manage energy independently.
Hospitality and food service equipment
Commercial kitchens, coffee machines, cool rooms and fit-outs — finance for cafes, restaurants and food businesses at any stage.
Lifestyle assets — jet skis, horse floats, campervans
Jet skis, PWC, horse floats, motorhomes and campervans — personal finance for the assets that matter outside of work.
Gym and fitness equipment
Racks, cables, cardio machines, flooring and fit-out — finance for gyms, PT studios and mobile fitness operators at any scale.
Mobile fitness studios
Converted trailers, custom-built mobile studios and specialist fitness vehicles — we can finance the vehicle, the fit-out, or both.
Food vans and coffee vans
Custom food trucks, coffee vans, trailers and mobile catering rigs — finance for new builds, second-hand purchases and equipment fit-outs.
Mobile hairdressing and beauty
Fitted vans, trailers and mobile salon vehicles — finance for the vehicle, the fit-out, or both. Great for sole traders and small operators hitting the road.
What we finance
Cars
New and used vehicle finance.
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Trucks & Transport
Finance for trucks and transport assets.
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Courier & Delivery
Finance for owner-operators, delivery vans and last-mile vehicles.
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Marine
Finance for boats and marine assets.
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Machinery & Earthmoving
Equipment finance for heavy machinery.
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Business Equipment
Finance equipment without draining working capital.
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Caravans
Finance for your next adventure.
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Motorcycles
Motorcycle finance options.
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Personal Finance
Finance for major personal purchases.
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Tiny Homes
Finance for tiny homes and alternative dwellings.
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Prestige & Exotic Cars
Specialist finance for Porsche, Ferrari, Lamborghini, McLaren, Bentley and more.
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Grey Import Finance
Specialist lenders for JDM and parallel import vehicles — GT-R, Supra, NSX and more.
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Electric & Hybrid Finance
BEV, PHEV and hybrid finance — Tesla, BYD, Hyundai Ioniq, Kia EV6, BMW i-series and more.
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Looking for a vehicle?
We can help you find it.
SERV Finance combines more than 30 years of automotive experience with access to a broad finance panel. Tell us what you're looking for and we'll use our automotive network to help source suitable vehicles.
Who we help
Finance built around real people and real plans.
Whether you are buying your next vehicle, growing a business or getting started, we take the time to understand what you need.
Business owners
Finance for vehicles, machinery and equipment that keep your business moving.
Sole traders
Practical finance solutions for self-employed borrowers.
Companies
Asset finance structured around your business and cash flow.
Professionals & employees
Vehicle finance for salaried employees, car allowance recipients and professionals.
New businesses
We'll look at your circumstances and explain what options may be available.
Individuals & couples
Straightforward finance for vehicles and other major purchases.
Looking for something more specific? Talk to us.
Why SERV FINANCE?
Finance should feel personal.
Getting finance shouldn't mean navigating banks, filling out endless forms or wondering what's happening with your application. At SERV FINANCE, you have a real person who listens, explains your options and stays involved throughout.
Personal service
You'll deal with a real person who understands your situation — not a call centre or an automated process.
More choice
We work with a broad panel of lenders, so we're not limited to one bank or one lending option.
Experience
Our brokers understand finance, assets and the realities of getting a deal settled.
Straightforward advice
We'll explain the options clearly, without unnecessary jargon or pressure.
We're with you
From the first conversation through to settlement, we keep things moving and keep you informed.
40+ lenders
Access to banks, non-banks and specialist lenders means more options and better outcomes.
Meet Sean
Sean Pereira
Founder | Finance Broker
SERV Finance was founded by Sean Pereira with a simple belief: finance should be easier to understand and more personal to deal with.
With more than 30 years across automotive and finance — including General Manager and Dealer Principal roles — Sean understands both the asset you're buying and the finance behind it.
As SERV grows, that same approach will remain at the heart of the business.
Loan types
The right structure makes all the difference.
SERV FINANCE can arrange finance across a wide range of loan types. The right structure depends on your situation — whether you're buying personally, through a business, or as a self-employed borrower.
Business & asset finance
Chattel Mortgage
For businesses purchasing vehicles or equipment. You own the asset from day one and may claim GST and depreciation.
Finance Lease
The lender owns the asset during the term; you make regular payments and have options at the end — return, purchase, or refinance.
Commercial Hire Purchase
You hire the asset and take ownership once all payments are made. Payments are fixed and the asset appears on your balance sheet.
Low Doc / Alt Doc Loan
For self-employed borrowers who can't provide standard payslips. Lenders assess income using BAS statements, accountant letters or bank statements.
Secured Business Loan
Asset-backed lending for business purchases. The asset provides security, which may provide access to different rates or borrowing options, depending on the lender and your circumstances.
Personal finance
Consumer Car Loan
A secured personal loan for buying a vehicle. Fixed repayments over an agreed term with the vehicle as security.
Novated Lease
A three-way agreement between you, your employer and a finance company. Repayments come from pre-tax salary, reducing your taxable income.
Personal Loan
Secured or unsecured lending for lifestyle assets, renovations, or purchases that don't fit a standard vehicle or equipment loan.
Not sure which structure is right for you? That's what we're here for.
Sales reps, BDMs & field managers
Receiving a car allowance?
Your allowance counts as assessable income — which means it supports your borrowing capacity. You may also be able to claim depreciation, loan interest and running costs as tax deductions based on your work use. We can structure a finance application around your full income picture.
See how car allowance finance worksEmployees with salary packaging
Novated leasing available
A novated lease is a three-way arrangement between you, your employer and a finance company. Repayments come from your pre-tax salary, which reduces your taxable income. It can be one of the most tax-effective ways for an employee to finance a vehicle — including EVs, which may also attract an FBT exemption.
Enquire about novated leasingFinance scenarios
Situations we can help with
These are examples only. Whether finance is available depends on the applicant's individual circumstances, the asset being financed, and lender criteria.
Self-employed borrower
Looking to finance a vehicle without relying solely on traditional PAYG income documentation.
New business
A recently established business needing a vehicle, machinery or equipment.
Business owner
Looking to finance an asset while preserving available working capital.
Company director
Looking for vehicle or equipment finance through an established business.
Starting a courier or delivery business
Setting up as an owner-operator with a van, ute or refrigerated vehicle — including Amazon Flex, DoorDash and similar platforms.
Salaried employee with a car allowance
Receiving a car allowance from your employer — sales rep, BDM, field manager or similar — and looking to put it towards a vehicle rather than absorbing it into general income.
Not sure where to start? That's okay.
Tell us what you're looking to finance and a little about your situation. We'll talk you through the options and what happens next.
What happens next
- 1Share your situationTell us what you are looking to buy or finance.
- 2Talk it throughWe'll discuss your options and next steps.
- 3Move forward with clarityChoose the path that makes sense for you.
— SERV FINANCE
Not sure whether you'll qualify? That's okay.
Tell us what you're looking to finance, your employment or business situation and roughly how much you need. We'll look at your circumstances first and explain what options may be available. There's no obligation to proceed.