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Turn your next work car into a potential tax benefit

Secure great deals and potential tax savings through Flare with a business vehicle loan.

Enter loan amount

Looking for a new vehicle for work?
Here’s how Flare can help

Access to fleet discounts

Tap into our vehicle procurement network to find your next car with potential fleet pricing.

Potential tax savings^

You may be able to claim deductions on interest, depreciation and running costs, depending on business use and eligibility.

Quick, dedicated support

Enjoy fast approvals and dedicated support so you can secure your vehicle and get back to business sooner.

Get an estimate

Save with Flare Cars Procurement

Ford Ranger Wiltrak

Ford Ranger Wildtrak V6

UTE

Per week*

$173

Vehicle savings

$7,303

Request a quote
Toyota Hilux

Toyota Hilux SR5

UTE

Per week*

$173

Vehicle savings

$7,510

Request a quote
VW transporter

VW Transporter SWB TDI

VAN

Per week*

$173

Vehicle savings

$6,543

Request a quote

Mazda CX-5 G25 GT

SUV

Per week*

$173

Vehicle savings

$4,638

Request a quote
BMW X5

BMW X5 xDrive30d

SUV

Per week*

$173

Vehicle savings

$32,043

Request a quote
Hyundai Staria Load

Hyundai Staria Load 2S

VAN

Per week*

$173

Vehicle savings

$12,782

Request a quote

How it works

Tell us what you need

Submit an enquiry with your vehicle and finance requirements

We find your vehicle

We’ll find the car you want, arrange test drives, and use our buying power to secure a great deal.

We arrange the finance

Flexible financing options to suit your business

Drive away

Dedicated support from a Flare cars expert in terms of finding the right vehicle and loan structure all the way through to delivery

Get a quick quote

Estimate your loan repayments below

Frequently asked questions

A Chattel Mortgage is a type of business loan, specifically designed for purchasing a vehicle or asset that you use at least 51% for business. The key difference from a standard business loan? The asset itself is used as security, and your business owns it from day one. That structure is what unlocks potential tax advantages.

A Chattel Mortgage is a form of asset finance intended primarily for business use. It can offer GST and other tax advantages. 

A standard car loan is designed mainly for personal use. It typically does not provide the same business-related tax benefits. 

A Chattel Mortgage gives you room to shape the loan around your cash flow. You can choose the term length, adjust your deposit, and include a balloon payment at the end to keep regular instalments lower. This lets you align repayments with your budget and upgrade plans, without tying up unnecessary working capital. 

No, you generally wouldn’t qualify for a Chattel Mortgage if the asset is used less than 50% for business. 

You can generally finance most business-use vehicles with a Chattel Mortgage, as long as they’re movable assets predominantly used for business. 

Typical eligible vehicles include:  

  • Standard road vehicles: cars (including EVs), SUVs, utes, work vans, motorbikes
  • Light & heavy commercial: trucks, prime movers, buses, coaches
  • Towed assets: trailers (box, plant, semi-trailers, etc.)
  • Specialised vehicles: refrigerated vans, food trucks, service bodies, some caravans used for business 

Many lenders will also finance forklifts, construction and  machinery (excavators, tractors, harvesters) under the same Chattel Mortgage structure.

Get started

Tax savings on a business vehicle loan?

Fill in a few details and we’ll get back to you with a personalised quote.

The information in this page is general in nature and does not take into account your personal objectives, financial situation or needs. It is not financial, tax or legal advice and should not be relied upon as such. Before making any decision about a Chattel Mortgage or related tax treatment, you should seek independent advice from a qualified financial adviser and a registered tax professional.

Flare does not provide tax advice and makes no representation that a Chattel Mortgage is suitable for your specific circumstances.

Any information on this page is general and for business use only.

Figures are indicative and do not constitute a quote or offer of finance.

Finance offers displayed on this page are arranged by Metro Finance Pty Ltd (ABN: 44 600 674 093) and Allied Retail Finance Pty Ltd (ABN: 31 609 859 985). All finance is subject to lender assessment, eligibility criteria, terms and conditions and applicable fees.

Vehicle must be predominantly for business purposes, and not predominantly for personal, domestic or household use.

^ Subject to eligibility, business-use percentage, and Australian Tax Office rules.



Flare Pty Ltd. does not provide credit, financial or tax advice and is not a credit provider or credit representative.


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Turn your next work car into a potential tax benefit Secure great deals and potential tax savings through Flare with a business vehicle loan. Enter loan amount Enter loan amount Looking for a new vehicle for work? Here’s how Flare can help Access to fleet discounts Tap into our vehicle procurement network to find your […]