About CarsOne

Who we help

CarsOne is for Australian ABN holders who need a vehicle to run their business: sole traders, partnerships, companies and trusts. Tradies replacing a tired ute. Couriers adding a second van. Farmers buying a truck before harvest. Builders kitting out a new crew. Rideshare drivers moving from a rental to their own car. Transport operators buying their first prime mover. Mobile groomers, mechanics and food truck operators whose vehicle is their shopfront.

We only arrange finance for business purposes. If you're looking for a personal car loan, we're not the right fit — and we'll tell you so.

One place for the best vehicle loan

Most owners shop for vehicle finance the hard way: a dealer's offer, a call to the bank, an online quote that changes once the paperwork arrives. CarsOne puts it all in one place. You tell us about the vehicle and the business once, and we do the chasing — working out which structures suit and going after the sharpest rate and terms your circumstances can earn.

We don't advertise a headline rate, because no two businesses get the same one. The vehicle's age and type, the seller, how long you've held your ABN, your credit history, your deposit and whether you own property all move the price. Our job is to present your situation at its best and find the offer that fits it.

Why a vehicle specialist?

Vehicle finance looks simple from the outside, but the details matter. Who's selling the vehicle changes the GST. Whether it's a passenger car or a goods vehicle changes the tax limits. Chattel mortgages, hire purchase, finance leases, operating leases, novated leases and sale and leaseback each suit different businesses. A balloon can help or hurt depending on how long you'll keep the vehicle. Get these choices right and the vehicle works for the business; get them wrong and it becomes a drain.

So we explain everything in plain English, and we check tax figures against official sources like the ATO before we publish them. Our finance types, vehicle, tax and GST and industry pages are written to answer the questions owners actually ask — and our planner shows which structures usually fit your situation before you speak to anyone.

Our promises

In practice that means asking about your options never touches your credit file; your details go to one specialist rather than being sprayed across a list of lenders hoping one bites; and a real person reads your enquiry and calls you. We ask you to fill in the form accurately — the vehicle, the seller, your ABN age and any credit issues — because that's how we match you with the right structure and lender first time.

How we work

• We start with the vehicle and the business, not a product to sell.
• We chase the best rate for your circumstances, and show you how we got there.
• We don't publish interest rates, because every deal is priced on its own circumstances.
• We work for approval as fast as possible by asking only for the documents your lender needs.
• We think about the whole fleet, not just today's vehicle — terms, balloons and replacement dates.
• We look at harder situations case by case, including new ABNs, past credit issues and ATO debt.

For bigger fleets, property-secured business loans from $20,000 to $5,000,000 are also available, and unsecured cash-flow options for trading businesses typically range from $5,000 to $500,000.

Who operates CarsOne

CarsOne is operated by LoansOne Pty Ltd (ABN 86 158 199 707), the operator of CarsOne. Our office is at 189 Toorak Road, South Yarra VIC 3141, and you can call us on 03 7005 5840.

Ready to talk about your next vehicle? Start a 60-second enquiry.