{"format_version":"2.0","sample":false,"name":"Agent Finance Business Car Loan Rate Index","description":"Car loan interest rates and comparison rates available through Agent Finance's lender panel, by credit history, home ownership, car age (new, used up to 5 years, used 6 years or older), ABN age and electric.","url":"https://www.agentfinance.com.au/business-car-loan-interest-rates/data.json","methodology_url":"https://www.agentfinance.com.au/business-car-loan-interest-rates#methodology","publisher":{"name":"Agent Finance","url":"https://www.agentfinance.com.au","credit_licence":"Agent Finance AI Pty Ltd (ABN 87 673 873 204), Credit Representative Number 568 962, is authorised under Australian Credit Licence 384 704 held by Finsure Finance and Insurance Pty Ltd (ABN 72 068 153 926)."},"licence":{"id":"CC-BY-4.0","url":"https://creativecommons.org/licenses/by/4.0/","conditions":"Quote any rate only with its comparison rate, comparison basis and warning."},"citation":"Agent Finance Business Car Loan Rate Index, 7 November 2026","as_at":"2026-11-07","valid_until":"2027-01-01T00:00:00.000Z","timezone":"Australia/Melbourne","scope":"Rates from lenders on Agent Finance's panel, not the whole market. General information only; the rate you're offered depends on your application.","units":{"rate":"percent per annum","money":"AUD"},"loan_basis":{"amount_aud":30000,"term_months":60,"secured":true,"deposit_aud":0,"balloon_percent":0,"sale":"dealer","applicant":"single applicant aged 30, permanent full-time, Australian citizen"},"agent_finance_fee":{"amount_aud":699,"note":"Added to the loan. Included in the comparison rates."},"definitions":{"from":"\"From\" is the lowest interest rate any lender on the panel offers anyone in the row.","to":"\"To\" is the highest rate any lender on the panel would offer anyone in the row.","example":"The Agent Finance Example is the loan the quote app recommends to one defined person in the row, on $30,000 over 5 years.","covers":"The loans a row's rates apply to. Without a note: $10,000 to $100,000 over 3 to 7 years. With a note: the narrower range stated; bigger or longer loans start higher."},"warning":"WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.","rows":[{"id":"business.excellent.homeowner.new.not_electric.6m_to_2y","credit":"excellent","homeowner":true,"vehicle":"new","electric":false,"abn":"6m_to_2y","from":{"rate_pa":8.1,"comparison_rate_pa":10.69},"example":{"rate_pa":8.1,"comparison_rate_pa":10.69},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":13000,"amount_max":98000,"term_months_min":36,"term_months_max":84},"note":"Note: these rates cover loans of $13,000 to $98,000, in $1,000 steps, over 3 to 7 years.","example_person":{"score":901,"score_scale":"equifax","defaults":[],"home":"mortgaged","car_age_years":0,"fuel":"petrol","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":13,"gst_months":13,"text":"credit score 901 on the Equifax scale, clean credit file, paying off a mortgage, buying a new petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Excellent credit (Equifax 853–1200), homeowner, ABN active 6 months to 2 years, buying a new car for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 8.10% p.a. (comparison rate 10.69% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $13,000 to $98,000 over 3 to 7 years. Agent Finance Example: through Agent Finance, a person with credit score 901 on the Equifax scale, clean credit file, paying off a mortgage, buying a new petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months would be offered 8.10% p.a. (comparison rate 10.69% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.excellent.homeowner.new.not_electric.2y_plus","credit":"excellent","homeowner":true,"vehicle":"new","electric":false,"abn":"2y_plus","from":{"rate_pa":6.79,"comparison_rate_pa":9.26},"example":{"rate_pa":6.79,"comparison_rate_pa":9.26},"to":{"rate_pa":12.45,"comparison_rate_pa":16.75},"covers":{"amount_min":10000,"amount_max":100000,"term_months_min":36,"term_months_max":84},"note":null,"example_person":{"score":901,"score_scale":"equifax","defaults":[],"home":"mortgaged","car_age_years":0,"fuel":"petrol","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":60,"gst_months":60,"text":"credit score 901 on the Equifax scale, clean credit file, paying off a mortgage, buying a new petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Excellent credit (Equifax 853–1200), homeowner, ABN active 2 years or more, buying a new car for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 6.79% p.a. (comparison rate 9.26% p.a.) to 12.45% p.a. (comparison rate 16.75% p.a.), for loans of $10,000 to $100,000 over 3 to 7 years. Agent Finance Example: through Agent Finance, a person with credit score 901 on the Equifax scale, clean credit file, paying off a mortgage, buying a new petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years would be offered 6.79% p.a. (comparison rate 9.26% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.excellent.homeowner.new.electric.6m_to_2y","credit":"excellent","homeowner":true,"vehicle":"new","electric":true,"abn":"6m_to_2y","from":{"rate_pa":8.04,"comparison_rate_pa":10.52},"example":{"rate_pa":8.04,"comparison_rate_pa":10.52},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":10000,"amount_max":98000,"term_months_min":36,"term_months_max":84},"note":"Note: these rates cover loans of $10,000 to $98,000, in $1,000 steps, over 3 to 7 years.","example_person":{"score":901,"score_scale":"equifax","defaults":[],"home":"mortgaged","car_age_years":0,"fuel":"electric","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":13,"gst_months":13,"text":"credit score 901 on the Equifax scale, clean credit file, paying off a mortgage, buying a new battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Excellent credit (Equifax 853–1200), homeowner, ABN active 6 months to 2 years, buying a battery electric new car for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 8.04% p.a. (comparison rate 10.52% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $10,000 to $98,000 over 3 to 7 years. Agent Finance Example: through Agent Finance, a person with credit score 901 on the Equifax scale, clean credit file, paying off a mortgage, buying a new battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months would be offered 8.04% p.a. (comparison rate 10.52% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.excellent.homeowner.new.electric.2y_plus","credit":"excellent","homeowner":true,"vehicle":"new","electric":true,"abn":"2y_plus","from":{"rate_pa":6.54,"comparison_rate_pa":9.01},"example":{"rate_pa":6.54,"comparison_rate_pa":9.01},"to":{"rate_pa":12.45,"comparison_rate_pa":16.75},"covers":{"amount_min":10000,"amount_max":100000,"term_months_min":36,"term_months_max":84},"note":null,"example_person":{"score":901,"score_scale":"equifax","defaults":[],"home":"mortgaged","car_age_years":0,"fuel":"electric","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":60,"gst_months":60,"text":"credit score 901 on the Equifax scale, clean credit file, paying off a mortgage, buying a new battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Excellent credit (Equifax 853–1200), homeowner, ABN active 2 years or more, buying a battery electric new car for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 6.54% p.a. (comparison rate 9.01% p.a.) to 12.45% p.a. (comparison rate 16.75% p.a.), for loans of $10,000 to $100,000 over 3 to 7 years. Agent Finance Example: through Agent Finance, a person with credit score 901 on the Equifax scale, clean credit file, paying off a mortgage, buying a new battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years would be offered 6.54% p.a. (comparison rate 9.01% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.excellent.homeowner.used_up_to_5.not_electric.6m_to_2y","credit":"excellent","homeowner":true,"vehicle":"used_up_to_5","electric":false,"abn":"6m_to_2y","from":{"rate_pa":8.3,"comparison_rate_pa":10.89},"example":{"rate_pa":8.3,"comparison_rate_pa":10.89},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":13000,"amount_max":98000,"term_months_min":36,"term_months_max":84},"note":"Note: these rates cover loans of $13,000 to $98,000, in $1,000 steps, over 3 to 7 years.","example_person":{"score":901,"score_scale":"equifax","defaults":[],"home":"mortgaged","car_age_years":3,"fuel":"petrol","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":13,"gst_months":13,"text":"credit score 901 on the Equifax scale, clean credit file, paying off a mortgage, buying a 3-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Excellent credit (Equifax 853–1200), homeowner, ABN active 6 months to 2 years, buying a used car up to 5 years old for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 8.30% p.a. (comparison rate 10.89% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $13,000 to $98,000 over 3 to 7 years. Agent Finance Example: through Agent Finance, a person with credit score 901 on the Equifax scale, clean credit file, paying off a mortgage, buying a 3-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months would be offered 8.30% p.a. (comparison rate 10.89% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.excellent.homeowner.used_up_to_5.not_electric.2y_plus","credit":"excellent","homeowner":true,"vehicle":"used_up_to_5","electric":false,"abn":"2y_plus","from":{"rate_pa":7.99,"comparison_rate_pa":10.27},"example":{"rate_pa":7.99,"comparison_rate_pa":10.27},"to":{"rate_pa":12.45,"comparison_rate_pa":16.75},"covers":{"amount_min":10000,"amount_max":100000,"term_months_min":36,"term_months_max":60},"note":"Note: these rates cover loans of $10,000 to $100,000, in $1,000 steps, over 3 to 5 years.","example_person":{"score":901,"score_scale":"equifax","defaults":[],"home":"mortgaged","car_age_years":3,"fuel":"petrol","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":60,"gst_months":60,"text":"credit score 901 on the Equifax scale, clean credit file, paying off a mortgage, buying a 3-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Excellent credit (Equifax 853–1200), homeowner, ABN active 2 years or more, buying a used car up to 5 years old for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 7.99% p.a. (comparison rate 10.27% p.a.) to 12.45% p.a. (comparison rate 16.75% p.a.), for loans of $10,000 to $100,000 over 3 to 5 years. Agent Finance Example: through Agent Finance, a person with credit score 901 on the Equifax scale, clean credit file, paying off a mortgage, buying a 3-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years would be offered 7.99% p.a. (comparison rate 10.27% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.excellent.homeowner.used_up_to_5.electric.6m_to_2y","credit":"excellent","homeowner":true,"vehicle":"used_up_to_5","electric":true,"abn":"6m_to_2y","from":{"rate_pa":8.3,"comparison_rate_pa":10.89},"example":{"rate_pa":8.3,"comparison_rate_pa":10.89},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":13000,"amount_max":98000,"term_months_min":36,"term_months_max":84},"note":"Note: these rates cover loans of $13,000 to $98,000, in $1,000 steps, over 3 to 7 years.","example_person":{"score":901,"score_scale":"equifax","defaults":[],"home":"mortgaged","car_age_years":3,"fuel":"electric","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":13,"gst_months":13,"text":"credit score 901 on the Equifax scale, clean credit file, paying off a mortgage, buying a 3-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Excellent credit (Equifax 853–1200), homeowner, ABN active 6 months to 2 years, buying a battery electric used car up to 5 years old for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 8.30% p.a. (comparison rate 10.89% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $13,000 to $98,000 over 3 to 7 years. Agent Finance Example: through Agent Finance, a person with credit score 901 on the Equifax scale, clean credit file, paying off a mortgage, buying a 3-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months would be offered 8.30% p.a. (comparison rate 10.89% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.excellent.homeowner.used_up_to_5.electric.2y_plus","credit":"excellent","homeowner":true,"vehicle":"used_up_to_5","electric":true,"abn":"2y_plus","from":{"rate_pa":7.99,"comparison_rate_pa":10.27},"example":{"rate_pa":7.99,"comparison_rate_pa":10.27},"to":{"rate_pa":12.45,"comparison_rate_pa":16.75},"covers":{"amount_min":10000,"amount_max":100000,"term_months_min":36,"term_months_max":60},"note":"Note: these rates cover loans of $10,000 to $100,000, in $1,000 steps, over 3 to 5 years.","example_person":{"score":901,"score_scale":"equifax","defaults":[],"home":"mortgaged","car_age_years":3,"fuel":"electric","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":60,"gst_months":60,"text":"credit score 901 on the Equifax scale, clean credit file, paying off a mortgage, buying a 3-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Excellent credit (Equifax 853–1200), homeowner, ABN active 2 years or more, buying a battery electric used car up to 5 years old for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 7.99% p.a. (comparison rate 10.27% p.a.) to 12.45% p.a. (comparison rate 16.75% p.a.), for loans of $10,000 to $100,000 over 3 to 5 years. Agent Finance Example: through Agent Finance, a person with credit score 901 on the Equifax scale, clean credit file, paying off a mortgage, buying a 3-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years would be offered 7.99% p.a. (comparison rate 10.27% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.excellent.homeowner.used_6_plus.not_electric.6m_to_2y","credit":"excellent","homeowner":true,"vehicle":"used_6_plus","electric":false,"abn":"6m_to_2y","from":{"rate_pa":8.9,"comparison_rate_pa":11.49},"example":{"rate_pa":8.9,"comparison_rate_pa":11.49},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":13000,"amount_max":98000,"term_months_min":36,"term_months_max":72},"note":"Note: these rates cover loans of $13,000 to $98,000, in $1,000 steps, over 3 to 6 years.","example_person":{"score":901,"score_scale":"equifax","defaults":[],"home":"mortgaged","car_age_years":8,"fuel":"petrol","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":13,"gst_months":13,"text":"credit score 901 on the Equifax scale, clean credit file, paying off a mortgage, buying an 8-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Excellent credit (Equifax 853–1200), homeowner, ABN active 6 months to 2 years, buying a used car 6 years or older for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 8.90% p.a. (comparison rate 11.49% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $13,000 to $98,000 over 3 to 6 years. Agent Finance Example: through Agent Finance, a person with credit score 901 on the Equifax scale, clean credit file, paying off a mortgage, buying an 8-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months would be offered 8.90% p.a. (comparison rate 11.49% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.excellent.homeowner.used_6_plus.not_electric.2y_plus","credit":"excellent","homeowner":true,"vehicle":"used_6_plus","electric":false,"abn":"2y_plus","from":{"rate_pa":8.9,"comparison_rate_pa":11.49},"example":{"rate_pa":8.9,"comparison_rate_pa":11.49},"to":{"rate_pa":13.55,"comparison_rate_pa":16.18},"covers":{"amount_min":13000,"amount_max":98000,"term_months_min":36,"term_months_max":72},"note":"Note: these rates cover loans of $13,000 to $98,000, in $1,000 steps, over 3 to 6 years.","example_person":{"score":901,"score_scale":"equifax","defaults":[],"home":"mortgaged","car_age_years":8,"fuel":"petrol","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":60,"gst_months":60,"text":"credit score 901 on the Equifax scale, clean credit file, paying off a mortgage, buying an 8-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Excellent credit (Equifax 853–1200), homeowner, ABN active 2 years or more, buying a used car 6 years or older for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 8.90% p.a. (comparison rate 11.49% p.a.) to 13.55% p.a. (comparison rate 16.18% p.a.), for loans of $13,000 to $98,000 over 3 to 6 years. Agent Finance Example: through Agent Finance, a person with credit score 901 on the Equifax scale, clean credit file, paying off a mortgage, buying an 8-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years would be offered 8.90% p.a. (comparison rate 11.49% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.excellent.homeowner.used_6_plus.electric.6m_to_2y","credit":"excellent","homeowner":true,"vehicle":"used_6_plus","electric":true,"abn":"6m_to_2y","from":{"rate_pa":8.9,"comparison_rate_pa":11.49},"example":{"rate_pa":8.9,"comparison_rate_pa":11.49},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":13000,"amount_max":98000,"term_months_min":36,"term_months_max":72},"note":"Note: these rates cover loans of $13,000 to $98,000, in $1,000 steps, over 3 to 6 years.","example_person":{"score":901,"score_scale":"equifax","defaults":[],"home":"mortgaged","car_age_years":8,"fuel":"electric","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":13,"gst_months":13,"text":"credit score 901 on the Equifax scale, clean credit file, paying off a mortgage, buying an 8-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Excellent credit (Equifax 853–1200), homeowner, ABN active 6 months to 2 years, buying a battery electric used car 6 years or older for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 8.90% p.a. (comparison rate 11.49% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $13,000 to $98,000 over 3 to 6 years. Agent Finance Example: through Agent Finance, a person with credit score 901 on the Equifax scale, clean credit file, paying off a mortgage, buying an 8-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months would be offered 8.90% p.a. (comparison rate 11.49% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.excellent.homeowner.used_6_plus.electric.2y_plus","credit":"excellent","homeowner":true,"vehicle":"used_6_plus","electric":true,"abn":"2y_plus","from":{"rate_pa":8.9,"comparison_rate_pa":11.49},"example":{"rate_pa":8.9,"comparison_rate_pa":11.49},"to":{"rate_pa":13.55,"comparison_rate_pa":16.18},"covers":{"amount_min":13000,"amount_max":98000,"term_months_min":36,"term_months_max":72},"note":"Note: these rates cover loans of $13,000 to $98,000, in $1,000 steps, over 3 to 6 years.","example_person":{"score":901,"score_scale":"equifax","defaults":[],"home":"mortgaged","car_age_years":8,"fuel":"electric","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":60,"gst_months":60,"text":"credit score 901 on the Equifax scale, clean credit file, paying off a mortgage, buying an 8-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Excellent credit (Equifax 853–1200), homeowner, ABN active 2 years or more, buying a battery electric used car 6 years or older for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 8.90% p.a. (comparison rate 11.49% p.a.) to 13.55% p.a. (comparison rate 16.18% p.a.), for loans of $13,000 to $98,000 over 3 to 6 years. Agent Finance Example: through Agent Finance, a person with credit score 901 on the Equifax scale, clean credit file, paying off a mortgage, buying an 8-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years would be offered 8.90% p.a. (comparison rate 11.49% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.excellent.not_homeowner.new.not_electric.6m_to_2y","credit":"excellent","homeowner":false,"vehicle":"new","electric":false,"abn":"6m_to_2y","from":{"rate_pa":9.3,"comparison_rate_pa":11.89},"example":{"rate_pa":9.3,"comparison_rate_pa":11.89},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":13000,"amount_max":98000,"term_months_min":36,"term_months_max":84},"note":"Note: these rates cover loans of $13,000 to $98,000, in $1,000 steps, over 3 to 7 years.","example_person":{"score":901,"score_scale":"equifax","defaults":[],"home":"renting_agent","car_age_years":0,"fuel":"petrol","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":13,"gst_months":13,"text":"credit score 901 on the Equifax scale, clean credit file, renting through a real estate agent, buying a new petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Excellent credit (Equifax 853–1200), not a homeowner, ABN active 6 months to 2 years, buying a new car for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 9.30% p.a. (comparison rate 11.89% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $13,000 to $98,000 over 3 to 7 years. Agent Finance Example: through Agent Finance, a person with credit score 901 on the Equifax scale, clean credit file, renting through a real estate agent, buying a new petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months would be offered 9.30% p.a. (comparison rate 11.89% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.excellent.not_homeowner.new.not_electric.2y_plus","credit":"excellent","homeowner":false,"vehicle":"new","electric":false,"abn":"2y_plus","from":{"rate_pa":9.3,"comparison_rate_pa":11.89},"example":{"rate_pa":9.3,"comparison_rate_pa":11.89},"to":{"rate_pa":16.95,"comparison_rate_pa":23.45},"covers":{"amount_min":13000,"amount_max":98000,"term_months_min":36,"term_months_max":84},"note":"Note: these rates cover loans of $13,000 to $98,000, in $1,000 steps, over 3 to 7 years.","example_person":{"score":901,"score_scale":"equifax","defaults":[],"home":"renting_agent","car_age_years":0,"fuel":"petrol","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":60,"gst_months":60,"text":"credit score 901 on the Equifax scale, clean credit file, renting through a real estate agent, buying a new petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Excellent credit (Equifax 853–1200), not a homeowner, ABN active 2 years or more, buying a new car for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 9.30% p.a. (comparison rate 11.89% p.a.) to 16.95% p.a. (comparison rate 23.45% p.a.), for loans of $13,000 to $98,000 over 3 to 7 years. Agent Finance Example: through Agent Finance, a person with credit score 901 on the Equifax scale, clean credit file, renting through a real estate agent, buying a new petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years would be offered 9.30% p.a. (comparison rate 11.89% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.excellent.not_homeowner.new.electric.6m_to_2y","credit":"excellent","homeowner":false,"vehicle":"new","electric":true,"abn":"6m_to_2y","from":{"rate_pa":9.3,"comparison_rate_pa":11.89},"example":{"rate_pa":9.3,"comparison_rate_pa":11.89},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":13000,"amount_max":98000,"term_months_min":36,"term_months_max":84},"note":"Note: these rates cover loans of $13,000 to $98,000, in $1,000 steps, over 3 to 7 years.","example_person":{"score":901,"score_scale":"equifax","defaults":[],"home":"renting_agent","car_age_years":0,"fuel":"electric","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":13,"gst_months":13,"text":"credit score 901 on the Equifax scale, clean credit file, renting through a real estate agent, buying a new battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Excellent credit (Equifax 853–1200), not a homeowner, ABN active 6 months to 2 years, buying a battery electric new car for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 9.30% p.a. (comparison rate 11.89% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $13,000 to $98,000 over 3 to 7 years. Agent Finance Example: through Agent Finance, a person with credit score 901 on the Equifax scale, clean credit file, renting through a real estate agent, buying a new battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months would be offered 9.30% p.a. (comparison rate 11.89% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.excellent.not_homeowner.new.electric.2y_plus","credit":"excellent","homeowner":false,"vehicle":"new","electric":true,"abn":"2y_plus","from":{"rate_pa":9.3,"comparison_rate_pa":11.89},"example":{"rate_pa":9.3,"comparison_rate_pa":11.89},"to":{"rate_pa":16.95,"comparison_rate_pa":23.45},"covers":{"amount_min":13000,"amount_max":98000,"term_months_min":36,"term_months_max":84},"note":"Note: these rates cover loans of $13,000 to $98,000, in $1,000 steps, over 3 to 7 years.","example_person":{"score":901,"score_scale":"equifax","defaults":[],"home":"renting_agent","car_age_years":0,"fuel":"electric","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":60,"gst_months":60,"text":"credit score 901 on the Equifax scale, clean credit file, renting through a real estate agent, buying a new battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Excellent credit (Equifax 853–1200), not a homeowner, ABN active 2 years or more, buying a battery electric new car for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 9.30% p.a. (comparison rate 11.89% p.a.) to 16.95% p.a. (comparison rate 23.45% p.a.), for loans of $13,000 to $98,000 over 3 to 7 years. Agent Finance Example: through Agent Finance, a person with credit score 901 on the Equifax scale, clean credit file, renting through a real estate agent, buying a new battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years would be offered 9.30% p.a. (comparison rate 11.89% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.excellent.not_homeowner.used_up_to_5.not_electric.6m_to_2y","credit":"excellent","homeowner":false,"vehicle":"used_up_to_5","electric":false,"abn":"6m_to_2y","from":{"rate_pa":9.55,"comparison_rate_pa":12.15},"example":{"rate_pa":9.55,"comparison_rate_pa":12.15},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":13000,"amount_max":98000,"term_months_min":36,"term_months_max":84},"note":"Note: these rates cover loans of $13,000 to $98,000, in $1,000 steps, over 3 to 7 years.","example_person":{"score":901,"score_scale":"equifax","defaults":[],"home":"renting_agent","car_age_years":3,"fuel":"petrol","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":13,"gst_months":13,"text":"credit score 901 on the Equifax scale, clean credit file, renting through a real estate agent, buying a 3-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Excellent credit (Equifax 853–1200), not a homeowner, ABN active 6 months to 2 years, buying a used car up to 5 years old for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 9.55% p.a. (comparison rate 12.15% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $13,000 to $98,000 over 3 to 7 years. Agent Finance Example: through Agent Finance, a person with credit score 901 on the Equifax scale, clean credit file, renting through a real estate agent, buying a 3-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months would be offered 9.55% p.a. (comparison rate 12.15% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.excellent.not_homeowner.used_up_to_5.not_electric.2y_plus","credit":"excellent","homeowner":false,"vehicle":"used_up_to_5","electric":false,"abn":"2y_plus","from":{"rate_pa":9.55,"comparison_rate_pa":12.15},"example":{"rate_pa":9.55,"comparison_rate_pa":12.15},"to":{"rate_pa":16.95,"comparison_rate_pa":23.45},"covers":{"amount_min":13000,"amount_max":98000,"term_months_min":36,"term_months_max":84},"note":"Note: these rates cover loans of $13,000 to $98,000, in $1,000 steps, over 3 to 7 years.","example_person":{"score":901,"score_scale":"equifax","defaults":[],"home":"renting_agent","car_age_years":3,"fuel":"petrol","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":60,"gst_months":60,"text":"credit score 901 on the Equifax scale, clean credit file, renting through a real estate agent, buying a 3-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Excellent credit (Equifax 853–1200), not a homeowner, ABN active 2 years or more, buying a used car up to 5 years old for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 9.55% p.a. (comparison rate 12.15% p.a.) to 16.95% p.a. (comparison rate 23.45% p.a.), for loans of $13,000 to $98,000 over 3 to 7 years. Agent Finance Example: through Agent Finance, a person with credit score 901 on the Equifax scale, clean credit file, renting through a real estate agent, buying a 3-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years would be offered 9.55% p.a. (comparison rate 12.15% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.excellent.not_homeowner.used_up_to_5.electric.6m_to_2y","credit":"excellent","homeowner":false,"vehicle":"used_up_to_5","electric":true,"abn":"6m_to_2y","from":{"rate_pa":9.55,"comparison_rate_pa":12.15},"example":{"rate_pa":9.55,"comparison_rate_pa":12.15},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":13000,"amount_max":98000,"term_months_min":36,"term_months_max":84},"note":"Note: these rates cover loans of $13,000 to $98,000, in $1,000 steps, over 3 to 7 years.","example_person":{"score":901,"score_scale":"equifax","defaults":[],"home":"renting_agent","car_age_years":3,"fuel":"electric","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":13,"gst_months":13,"text":"credit score 901 on the Equifax scale, clean credit file, renting through a real estate agent, buying a 3-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Excellent credit (Equifax 853–1200), not a homeowner, ABN active 6 months to 2 years, buying a battery electric used car up to 5 years old for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 9.55% p.a. (comparison rate 12.15% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $13,000 to $98,000 over 3 to 7 years. Agent Finance Example: through Agent Finance, a person with credit score 901 on the Equifax scale, clean credit file, renting through a real estate agent, buying a 3-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months would be offered 9.55% p.a. (comparison rate 12.15% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.excellent.not_homeowner.used_up_to_5.electric.2y_plus","credit":"excellent","homeowner":false,"vehicle":"used_up_to_5","electric":true,"abn":"2y_plus","from":{"rate_pa":9.55,"comparison_rate_pa":12.15},"example":{"rate_pa":9.55,"comparison_rate_pa":12.15},"to":{"rate_pa":16.95,"comparison_rate_pa":23.45},"covers":{"amount_min":13000,"amount_max":98000,"term_months_min":36,"term_months_max":84},"note":"Note: these rates cover loans of $13,000 to $98,000, in $1,000 steps, over 3 to 7 years.","example_person":{"score":901,"score_scale":"equifax","defaults":[],"home":"renting_agent","car_age_years":3,"fuel":"electric","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":60,"gst_months":60,"text":"credit score 901 on the Equifax scale, clean credit file, renting through a real estate agent, buying a 3-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Excellent credit (Equifax 853–1200), not a homeowner, ABN active 2 years or more, buying a battery electric used car up to 5 years old for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 9.55% p.a. (comparison rate 12.15% p.a.) to 16.95% p.a. (comparison rate 23.45% p.a.), for loans of $13,000 to $98,000 over 3 to 7 years. Agent Finance Example: through Agent Finance, a person with credit score 901 on the Equifax scale, clean credit file, renting through a real estate agent, buying a 3-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years would be offered 9.55% p.a. (comparison rate 12.15% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.excellent.not_homeowner.used_6_plus.not_electric.6m_to_2y","credit":"excellent","homeowner":false,"vehicle":"used_6_plus","electric":false,"abn":"6m_to_2y","from":{"rate_pa":10.2,"comparison_rate_pa":12.8},"example":{"rate_pa":10.2,"comparison_rate_pa":12.8},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":13000,"amount_max":98000,"term_months_min":36,"term_months_max":72},"note":"Note: these rates cover loans of $13,000 to $98,000, in $1,000 steps, over 3 to 6 years.","example_person":{"score":901,"score_scale":"equifax","defaults":[],"home":"renting_agent","car_age_years":8,"fuel":"petrol","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":13,"gst_months":13,"text":"credit score 901 on the Equifax scale, clean credit file, renting through a real estate agent, buying an 8-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Excellent credit (Equifax 853–1200), not a homeowner, ABN active 6 months to 2 years, buying a used car 6 years or older for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 10.20% p.a. (comparison rate 12.80% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $13,000 to $98,000 over 3 to 6 years. Agent Finance Example: through Agent Finance, a person with credit score 901 on the Equifax scale, clean credit file, renting through a real estate agent, buying an 8-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months would be offered 10.20% p.a. (comparison rate 12.80% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.excellent.not_homeowner.used_6_plus.not_electric.2y_plus","credit":"excellent","homeowner":false,"vehicle":"used_6_plus","electric":false,"abn":"2y_plus","from":{"rate_pa":10.2,"comparison_rate_pa":12.8},"example":{"rate_pa":10.2,"comparison_rate_pa":12.8},"to":{"rate_pa":16.95,"comparison_rate_pa":23.45},"covers":{"amount_min":13000,"amount_max":98000,"term_months_min":36,"term_months_max":72},"note":"Note: these rates cover loans of $13,000 to $98,000, in $1,000 steps, over 3 to 6 years.","example_person":{"score":901,"score_scale":"equifax","defaults":[],"home":"renting_agent","car_age_years":8,"fuel":"petrol","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":60,"gst_months":60,"text":"credit score 901 on the Equifax scale, clean credit file, renting through a real estate agent, buying an 8-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Excellent credit (Equifax 853–1200), not a homeowner, ABN active 2 years or more, buying a used car 6 years or older for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 10.20% p.a. (comparison rate 12.80% p.a.) to 16.95% p.a. (comparison rate 23.45% p.a.), for loans of $13,000 to $98,000 over 3 to 6 years. Agent Finance Example: through Agent Finance, a person with credit score 901 on the Equifax scale, clean credit file, renting through a real estate agent, buying an 8-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years would be offered 10.20% p.a. (comparison rate 12.80% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.excellent.not_homeowner.used_6_plus.electric.6m_to_2y","credit":"excellent","homeowner":false,"vehicle":"used_6_plus","electric":true,"abn":"6m_to_2y","from":{"rate_pa":10.2,"comparison_rate_pa":12.8},"example":{"rate_pa":10.2,"comparison_rate_pa":12.8},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":13000,"amount_max":98000,"term_months_min":36,"term_months_max":72},"note":"Note: these rates cover loans of $13,000 to $98,000, in $1,000 steps, over 3 to 6 years.","example_person":{"score":901,"score_scale":"equifax","defaults":[],"home":"renting_agent","car_age_years":8,"fuel":"electric","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":13,"gst_months":13,"text":"credit score 901 on the Equifax scale, clean credit file, renting through a real estate agent, buying an 8-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Excellent credit (Equifax 853–1200), not a homeowner, ABN active 6 months to 2 years, buying a battery electric used car 6 years or older for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 10.20% p.a. (comparison rate 12.80% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $13,000 to $98,000 over 3 to 6 years. Agent Finance Example: through Agent Finance, a person with credit score 901 on the Equifax scale, clean credit file, renting through a real estate agent, buying an 8-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months would be offered 10.20% p.a. (comparison rate 12.80% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.excellent.not_homeowner.used_6_plus.electric.2y_plus","credit":"excellent","homeowner":false,"vehicle":"used_6_plus","electric":true,"abn":"2y_plus","from":{"rate_pa":10.2,"comparison_rate_pa":12.8},"example":{"rate_pa":10.2,"comparison_rate_pa":12.8},"to":{"rate_pa":16.95,"comparison_rate_pa":23.45},"covers":{"amount_min":13000,"amount_max":98000,"term_months_min":36,"term_months_max":72},"note":"Note: these rates cover loans of $13,000 to $98,000, in $1,000 steps, over 3 to 6 years.","example_person":{"score":901,"score_scale":"equifax","defaults":[],"home":"renting_agent","car_age_years":8,"fuel":"electric","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":60,"gst_months":60,"text":"credit score 901 on the Equifax scale, clean credit file, renting through a real estate agent, buying an 8-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Excellent credit (Equifax 853–1200), not a homeowner, ABN active 2 years or more, buying a battery electric used car 6 years or older for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 10.20% p.a. (comparison rate 12.80% p.a.) to 16.95% p.a. (comparison rate 23.45% p.a.), for loans of $13,000 to $98,000 over 3 to 6 years. Agent Finance Example: through Agent Finance, a person with credit score 901 on the Equifax scale, clean credit file, renting through a real estate agent, buying an 8-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years would be offered 10.20% p.a. (comparison rate 12.80% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.very_good.homeowner.new.not_electric.6m_to_2y","credit":"very_good","homeowner":true,"vehicle":"new","electric":false,"abn":"6m_to_2y","from":{"rate_pa":8.1,"comparison_rate_pa":10.69},"example":{"rate_pa":8.29,"comparison_rate_pa":10.77},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":13000,"amount_max":98000,"term_months_min":36,"term_months_max":84},"note":"Note: these rates cover loans of $13,000 to $98,000, in $1,000 steps, over 3 to 7 years.","example_person":{"score":790,"score_scale":"equifax","defaults":[],"home":"mortgaged","car_age_years":0,"fuel":"petrol","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":13,"gst_months":13,"text":"credit score 790 on the Equifax scale, clean credit file, paying off a mortgage, buying a new petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Very good credit (Equifax 735–852), homeowner, ABN active 6 months to 2 years, buying a new car for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 8.10% p.a. (comparison rate 10.69% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $13,000 to $98,000 over 3 to 7 years. Agent Finance Example: through Agent Finance, a person with credit score 790 on the Equifax scale, clean credit file, paying off a mortgage, buying a new petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months would be offered 8.29% p.a. (comparison rate 10.77% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.very_good.homeowner.new.not_electric.2y_plus","credit":"very_good","homeowner":true,"vehicle":"new","electric":false,"abn":"2y_plus","from":{"rate_pa":6.79,"comparison_rate_pa":9.26},"example":{"rate_pa":6.79,"comparison_rate_pa":9.26},"to":{"rate_pa":12.45,"comparison_rate_pa":16.75},"covers":{"amount_min":10000,"amount_max":100000,"term_months_min":36,"term_months_max":84},"note":null,"example_person":{"score":790,"score_scale":"equifax","defaults":[],"home":"mortgaged","car_age_years":0,"fuel":"petrol","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":60,"gst_months":60,"text":"credit score 790 on the Equifax scale, clean credit file, paying off a mortgage, buying a new petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Very good credit (Equifax 735–852), homeowner, ABN active 2 years or more, buying a new car for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 6.79% p.a. (comparison rate 9.26% p.a.) to 12.45% p.a. (comparison rate 16.75% p.a.), for loans of $10,000 to $100,000 over 3 to 7 years. Agent Finance Example: through Agent Finance, a person with credit score 790 on the Equifax scale, clean credit file, paying off a mortgage, buying a new petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years would be offered 6.79% p.a. (comparison rate 9.26% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.very_good.homeowner.new.electric.6m_to_2y","credit":"very_good","homeowner":true,"vehicle":"new","electric":true,"abn":"6m_to_2y","from":{"rate_pa":8.04,"comparison_rate_pa":10.52},"example":{"rate_pa":8.04,"comparison_rate_pa":10.52},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":10000,"amount_max":98000,"term_months_min":36,"term_months_max":84},"note":"Note: these rates cover loans of $10,000 to $98,000, in $1,000 steps, over 3 to 7 years.","example_person":{"score":790,"score_scale":"equifax","defaults":[],"home":"mortgaged","car_age_years":0,"fuel":"electric","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":13,"gst_months":13,"text":"credit score 790 on the Equifax scale, clean credit file, paying off a mortgage, buying a new battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Very good credit (Equifax 735–852), homeowner, ABN active 6 months to 2 years, buying a battery electric new car for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 8.04% p.a. (comparison rate 10.52% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $10,000 to $98,000 over 3 to 7 years. Agent Finance Example: through Agent Finance, a person with credit score 790 on the Equifax scale, clean credit file, paying off a mortgage, buying a new battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months would be offered 8.04% p.a. (comparison rate 10.52% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.very_good.homeowner.new.electric.2y_plus","credit":"very_good","homeowner":true,"vehicle":"new","electric":true,"abn":"2y_plus","from":{"rate_pa":6.54,"comparison_rate_pa":9.01},"example":{"rate_pa":6.54,"comparison_rate_pa":9.01},"to":{"rate_pa":12.45,"comparison_rate_pa":16.75},"covers":{"amount_min":10000,"amount_max":100000,"term_months_min":36,"term_months_max":84},"note":null,"example_person":{"score":790,"score_scale":"equifax","defaults":[],"home":"mortgaged","car_age_years":0,"fuel":"electric","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":60,"gst_months":60,"text":"credit score 790 on the Equifax scale, clean credit file, paying off a mortgage, buying a new battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Very good credit (Equifax 735–852), homeowner, ABN active 2 years or more, buying a battery electric new car for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 6.54% p.a. (comparison rate 9.01% p.a.) to 12.45% p.a. (comparison rate 16.75% p.a.), for loans of $10,000 to $100,000 over 3 to 7 years. Agent Finance Example: through Agent Finance, a person with credit score 790 on the Equifax scale, clean credit file, paying off a mortgage, buying a new battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years would be offered 6.54% p.a. (comparison rate 9.01% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.very_good.homeowner.used_up_to_5.not_electric.6m_to_2y","credit":"very_good","homeowner":true,"vehicle":"used_up_to_5","electric":false,"abn":"6m_to_2y","from":{"rate_pa":8.3,"comparison_rate_pa":10.89},"example":{"rate_pa":8.43,"comparison_rate_pa":11.02},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":13000,"amount_max":98000,"term_months_min":36,"term_months_max":84},"note":"Note: these rates cover loans of $13,000 to $98,000, in $1,000 steps, over 3 to 7 years.","example_person":{"score":790,"score_scale":"equifax","defaults":[],"home":"mortgaged","car_age_years":3,"fuel":"petrol","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":13,"gst_months":13,"text":"credit score 790 on the Equifax scale, clean credit file, paying off a mortgage, buying a 3-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Very good credit (Equifax 735–852), homeowner, ABN active 6 months to 2 years, buying a used car up to 5 years old for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 8.30% p.a. (comparison rate 10.89% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $13,000 to $98,000 over 3 to 7 years. Agent Finance Example: through Agent Finance, a person with credit score 790 on the Equifax scale, clean credit file, paying off a mortgage, buying a 3-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months would be offered 8.43% p.a. (comparison rate 11.02% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.very_good.homeowner.used_up_to_5.not_electric.2y_plus","credit":"very_good","homeowner":true,"vehicle":"used_up_to_5","electric":false,"abn":"2y_plus","from":{"rate_pa":7.99,"comparison_rate_pa":10.27},"example":{"rate_pa":7.99,"comparison_rate_pa":10.27},"to":{"rate_pa":12.45,"comparison_rate_pa":16.75},"covers":{"amount_min":10000,"amount_max":100000,"term_months_min":36,"term_months_max":60},"note":"Note: these rates cover loans of $10,000 to $100,000, in $1,000 steps, over 3 to 5 years.","example_person":{"score":790,"score_scale":"equifax","defaults":[],"home":"mortgaged","car_age_years":3,"fuel":"petrol","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":60,"gst_months":60,"text":"credit score 790 on the Equifax scale, clean credit file, paying off a mortgage, buying a 3-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Very good credit (Equifax 735–852), homeowner, ABN active 2 years or more, buying a used car up to 5 years old for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 7.99% p.a. (comparison rate 10.27% p.a.) to 12.45% p.a. (comparison rate 16.75% p.a.), for loans of $10,000 to $100,000 over 3 to 5 years. Agent Finance Example: through Agent Finance, a person with credit score 790 on the Equifax scale, clean credit file, paying off a mortgage, buying a 3-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years would be offered 7.99% p.a. (comparison rate 10.27% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.very_good.homeowner.used_up_to_5.electric.6m_to_2y","credit":"very_good","homeowner":true,"vehicle":"used_up_to_5","electric":true,"abn":"6m_to_2y","from":{"rate_pa":8.3,"comparison_rate_pa":10.89},"example":{"rate_pa":8.43,"comparison_rate_pa":11.02},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":13000,"amount_max":98000,"term_months_min":36,"term_months_max":84},"note":"Note: these rates cover loans of $13,000 to $98,000, in $1,000 steps, over 3 to 7 years.","example_person":{"score":790,"score_scale":"equifax","defaults":[],"home":"mortgaged","car_age_years":3,"fuel":"electric","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":13,"gst_months":13,"text":"credit score 790 on the Equifax scale, clean credit file, paying off a mortgage, buying a 3-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Very good credit (Equifax 735–852), homeowner, ABN active 6 months to 2 years, buying a battery electric used car up to 5 years old for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 8.30% p.a. (comparison rate 10.89% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $13,000 to $98,000 over 3 to 7 years. Agent Finance Example: through Agent Finance, a person with credit score 790 on the Equifax scale, clean credit file, paying off a mortgage, buying a 3-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months would be offered 8.43% p.a. (comparison rate 11.02% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.very_good.homeowner.used_up_to_5.electric.2y_plus","credit":"very_good","homeowner":true,"vehicle":"used_up_to_5","electric":true,"abn":"2y_plus","from":{"rate_pa":7.99,"comparison_rate_pa":10.27},"example":{"rate_pa":7.99,"comparison_rate_pa":10.27},"to":{"rate_pa":12.45,"comparison_rate_pa":16.75},"covers":{"amount_min":10000,"amount_max":100000,"term_months_min":36,"term_months_max":60},"note":"Note: these rates cover loans of $10,000 to $100,000, in $1,000 steps, over 3 to 5 years.","example_person":{"score":790,"score_scale":"equifax","defaults":[],"home":"mortgaged","car_age_years":3,"fuel":"electric","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":60,"gst_months":60,"text":"credit score 790 on the Equifax scale, clean credit file, paying off a mortgage, buying a 3-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Very good credit (Equifax 735–852), homeowner, ABN active 2 years or more, buying a battery electric used car up to 5 years old for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 7.99% p.a. (comparison rate 10.27% p.a.) to 12.45% p.a. (comparison rate 16.75% p.a.), for loans of $10,000 to $100,000 over 3 to 5 years. Agent Finance Example: through Agent Finance, a person with credit score 790 on the Equifax scale, clean credit file, paying off a mortgage, buying a 3-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years would be offered 7.99% p.a. (comparison rate 10.27% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.very_good.homeowner.used_6_plus.not_electric.6m_to_2y","credit":"very_good","homeowner":true,"vehicle":"used_6_plus","electric":false,"abn":"6m_to_2y","from":{"rate_pa":8.9,"comparison_rate_pa":11.49},"example":{"rate_pa":9,"comparison_rate_pa":11.59},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":13000,"amount_max":98000,"term_months_min":36,"term_months_max":72},"note":"Note: these rates cover loans of $13,000 to $98,000, in $1,000 steps, over 3 to 6 years.","example_person":{"score":790,"score_scale":"equifax","defaults":[],"home":"mortgaged","car_age_years":8,"fuel":"petrol","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":13,"gst_months":13,"text":"credit score 790 on the Equifax scale, clean credit file, paying off a mortgage, buying an 8-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Very good credit (Equifax 735–852), homeowner, ABN active 6 months to 2 years, buying a used car 6 years or older for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 8.90% p.a. (comparison rate 11.49% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $13,000 to $98,000 over 3 to 6 years. Agent Finance Example: through Agent Finance, a person with credit score 790 on the Equifax scale, clean credit file, paying off a mortgage, buying an 8-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months would be offered 9.00% p.a. (comparison rate 11.59% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.very_good.homeowner.used_6_plus.not_electric.2y_plus","credit":"very_good","homeowner":true,"vehicle":"used_6_plus","electric":false,"abn":"2y_plus","from":{"rate_pa":8.9,"comparison_rate_pa":11.49},"example":{"rate_pa":9,"comparison_rate_pa":11.59},"to":{"rate_pa":13.95,"comparison_rate_pa":16.58},"covers":{"amount_min":13000,"amount_max":98000,"term_months_min":36,"term_months_max":72},"note":"Note: these rates cover loans of $13,000 to $98,000, in $1,000 steps, over 3 to 6 years.","example_person":{"score":790,"score_scale":"equifax","defaults":[],"home":"mortgaged","car_age_years":8,"fuel":"petrol","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":60,"gst_months":60,"text":"credit score 790 on the Equifax scale, clean credit file, paying off a mortgage, buying an 8-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Very good credit (Equifax 735–852), homeowner, ABN active 2 years or more, buying a used car 6 years or older for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 8.90% p.a. (comparison rate 11.49% p.a.) to 13.95% p.a. (comparison rate 16.58% p.a.), for loans of $13,000 to $98,000 over 3 to 6 years. Agent Finance Example: through Agent Finance, a person with credit score 790 on the Equifax scale, clean credit file, paying off a mortgage, buying an 8-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years would be offered 9.00% p.a. (comparison rate 11.59% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.very_good.homeowner.used_6_plus.electric.6m_to_2y","credit":"very_good","homeowner":true,"vehicle":"used_6_plus","electric":true,"abn":"6m_to_2y","from":{"rate_pa":8.9,"comparison_rate_pa":11.49},"example":{"rate_pa":9,"comparison_rate_pa":11.59},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":13000,"amount_max":98000,"term_months_min":36,"term_months_max":72},"note":"Note: these rates cover loans of $13,000 to $98,000, in $1,000 steps, over 3 to 6 years.","example_person":{"score":790,"score_scale":"equifax","defaults":[],"home":"mortgaged","car_age_years":8,"fuel":"electric","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":13,"gst_months":13,"text":"credit score 790 on the Equifax scale, clean credit file, paying off a mortgage, buying an 8-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Very good credit (Equifax 735–852), homeowner, ABN active 6 months to 2 years, buying a battery electric used car 6 years or older for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 8.90% p.a. (comparison rate 11.49% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $13,000 to $98,000 over 3 to 6 years. Agent Finance Example: through Agent Finance, a person with credit score 790 on the Equifax scale, clean credit file, paying off a mortgage, buying an 8-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months would be offered 9.00% p.a. (comparison rate 11.59% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.very_good.homeowner.used_6_plus.electric.2y_plus","credit":"very_good","homeowner":true,"vehicle":"used_6_plus","electric":true,"abn":"2y_plus","from":{"rate_pa":8.9,"comparison_rate_pa":11.49},"example":{"rate_pa":9.04,"comparison_rate_pa":11.53},"to":{"rate_pa":13.95,"comparison_rate_pa":16.58},"covers":{"amount_min":13000,"amount_max":98000,"term_months_min":36,"term_months_max":72},"note":"Note: these rates cover loans of $13,000 to $98,000, in $1,000 steps, over 3 to 6 years.","example_person":{"score":790,"score_scale":"equifax","defaults":[],"home":"mortgaged","car_age_years":8,"fuel":"electric","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":60,"gst_months":60,"text":"credit score 790 on the Equifax scale, clean credit file, paying off a mortgage, buying an 8-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Very good credit (Equifax 735–852), homeowner, ABN active 2 years or more, buying a battery electric used car 6 years or older for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 8.90% p.a. (comparison rate 11.49% p.a.) to 13.95% p.a. (comparison rate 16.58% p.a.), for loans of $13,000 to $98,000 over 3 to 6 years. Agent Finance Example: through Agent Finance, a person with credit score 790 on the Equifax scale, clean credit file, paying off a mortgage, buying an 8-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years would be offered 9.04% p.a. (comparison rate 11.53% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.very_good.not_homeowner.new.not_electric.6m_to_2y","credit":"very_good","homeowner":false,"vehicle":"new","electric":false,"abn":"6m_to_2y","from":{"rate_pa":9.3,"comparison_rate_pa":11.89},"example":{"rate_pa":9.5,"comparison_rate_pa":12.1},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":13000,"amount_max":98000,"term_months_min":36,"term_months_max":84},"note":"Note: these rates cover loans of $13,000 to $98,000, in $1,000 steps, over 3 to 7 years.","example_person":{"score":790,"score_scale":"equifax","defaults":[],"home":"renting_agent","car_age_years":0,"fuel":"petrol","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":13,"gst_months":13,"text":"credit score 790 on the Equifax scale, clean credit file, renting through a real estate agent, buying a new petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Very good credit (Equifax 735–852), not a homeowner, ABN active 6 months to 2 years, buying a new car for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 9.30% p.a. (comparison rate 11.89% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $13,000 to $98,000 over 3 to 7 years. Agent Finance Example: through Agent Finance, a person with credit score 790 on the Equifax scale, clean credit file, renting through a real estate agent, buying a new petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months would be offered 9.50% p.a. (comparison rate 12.10% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.very_good.not_homeowner.new.not_electric.2y_plus","credit":"very_good","homeowner":false,"vehicle":"new","electric":false,"abn":"2y_plus","from":{"rate_pa":9.3,"comparison_rate_pa":11.89},"example":{"rate_pa":9.5,"comparison_rate_pa":12.1},"to":{"rate_pa":16.95,"comparison_rate_pa":23.45},"covers":{"amount_min":13000,"amount_max":98000,"term_months_min":36,"term_months_max":84},"note":"Note: these rates cover loans of $13,000 to $98,000, in $1,000 steps, over 3 to 7 years.","example_person":{"score":790,"score_scale":"equifax","defaults":[],"home":"renting_agent","car_age_years":0,"fuel":"petrol","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":60,"gst_months":60,"text":"credit score 790 on the Equifax scale, clean credit file, renting through a real estate agent, buying a new petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Very good credit (Equifax 735–852), not a homeowner, ABN active 2 years or more, buying a new car for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 9.30% p.a. (comparison rate 11.89% p.a.) to 16.95% p.a. (comparison rate 23.45% p.a.), for loans of $13,000 to $98,000 over 3 to 7 years. Agent Finance Example: through Agent Finance, a person with credit score 790 on the Equifax scale, clean credit file, renting through a real estate agent, buying a new petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years would be offered 9.50% p.a. (comparison rate 12.10% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.very_good.not_homeowner.new.electric.6m_to_2y","credit":"very_good","homeowner":false,"vehicle":"new","electric":true,"abn":"6m_to_2y","from":{"rate_pa":9.3,"comparison_rate_pa":11.89},"example":{"rate_pa":9.5,"comparison_rate_pa":12.1},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":13000,"amount_max":98000,"term_months_min":36,"term_months_max":84},"note":"Note: these rates cover loans of $13,000 to $98,000, in $1,000 steps, over 3 to 7 years.","example_person":{"score":790,"score_scale":"equifax","defaults":[],"home":"renting_agent","car_age_years":0,"fuel":"electric","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":13,"gst_months":13,"text":"credit score 790 on the Equifax scale, clean credit file, renting through a real estate agent, buying a new battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Very good credit (Equifax 735–852), not a homeowner, ABN active 6 months to 2 years, buying a battery electric new car for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 9.30% p.a. (comparison rate 11.89% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $13,000 to $98,000 over 3 to 7 years. Agent Finance Example: through Agent Finance, a person with credit score 790 on the Equifax scale, clean credit file, renting through a real estate agent, buying a new battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months would be offered 9.50% p.a. (comparison rate 12.10% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.very_good.not_homeowner.new.electric.2y_plus","credit":"very_good","homeowner":false,"vehicle":"new","electric":true,"abn":"2y_plus","from":{"rate_pa":9.3,"comparison_rate_pa":11.89},"example":{"rate_pa":9.5,"comparison_rate_pa":12.1},"to":{"rate_pa":16.95,"comparison_rate_pa":23.45},"covers":{"amount_min":13000,"amount_max":98000,"term_months_min":36,"term_months_max":84},"note":"Note: these rates cover loans of $13,000 to $98,000, in $1,000 steps, over 3 to 7 years.","example_person":{"score":790,"score_scale":"equifax","defaults":[],"home":"renting_agent","car_age_years":0,"fuel":"electric","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":60,"gst_months":60,"text":"credit score 790 on the Equifax scale, clean credit file, renting through a real estate agent, buying a new battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Very good credit (Equifax 735–852), not a homeowner, ABN active 2 years or more, buying a battery electric new car for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 9.30% p.a. (comparison rate 11.89% p.a.) to 16.95% p.a. (comparison rate 23.45% p.a.), for loans of $13,000 to $98,000 over 3 to 7 years. Agent Finance Example: through Agent Finance, a person with credit score 790 on the Equifax scale, clean credit file, renting through a real estate agent, buying a new battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years would be offered 9.50% p.a. (comparison rate 12.10% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.very_good.not_homeowner.used_up_to_5.not_electric.6m_to_2y","credit":"very_good","homeowner":false,"vehicle":"used_up_to_5","electric":false,"abn":"6m_to_2y","from":{"rate_pa":9.55,"comparison_rate_pa":12.15},"example":{"rate_pa":9.78,"comparison_rate_pa":12.38},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":13000,"amount_max":98000,"term_months_min":36,"term_months_max":84},"note":"Note: these rates cover loans of $13,000 to $98,000, in $1,000 steps, over 3 to 7 years.","example_person":{"score":790,"score_scale":"equifax","defaults":[],"home":"renting_agent","car_age_years":3,"fuel":"petrol","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":13,"gst_months":13,"text":"credit score 790 on the Equifax scale, clean credit file, renting through a real estate agent, buying a 3-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Very good credit (Equifax 735–852), not a homeowner, ABN active 6 months to 2 years, buying a used car up to 5 years old for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 9.55% p.a. (comparison rate 12.15% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $13,000 to $98,000 over 3 to 7 years. Agent Finance Example: through Agent Finance, a person with credit score 790 on the Equifax scale, clean credit file, renting through a real estate agent, buying a 3-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months would be offered 9.78% p.a. (comparison rate 12.38% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.very_good.not_homeowner.used_up_to_5.not_electric.2y_plus","credit":"very_good","homeowner":false,"vehicle":"used_up_to_5","electric":false,"abn":"2y_plus","from":{"rate_pa":9.55,"comparison_rate_pa":12.15},"example":{"rate_pa":9.78,"comparison_rate_pa":12.38},"to":{"rate_pa":16.95,"comparison_rate_pa":23.45},"covers":{"amount_min":13000,"amount_max":98000,"term_months_min":36,"term_months_max":84},"note":"Note: these rates cover loans of $13,000 to $98,000, in $1,000 steps, over 3 to 7 years.","example_person":{"score":790,"score_scale":"equifax","defaults":[],"home":"renting_agent","car_age_years":3,"fuel":"petrol","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":60,"gst_months":60,"text":"credit score 790 on the Equifax scale, clean credit file, renting through a real estate agent, buying a 3-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Very good credit (Equifax 735–852), not a homeowner, ABN active 2 years or more, buying a used car up to 5 years old for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 9.55% p.a. (comparison rate 12.15% p.a.) to 16.95% p.a. (comparison rate 23.45% p.a.), for loans of $13,000 to $98,000 over 3 to 7 years. Agent Finance Example: through Agent Finance, a person with credit score 790 on the Equifax scale, clean credit file, renting through a real estate agent, buying a 3-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years would be offered 9.78% p.a. (comparison rate 12.38% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.very_good.not_homeowner.used_up_to_5.electric.6m_to_2y","credit":"very_good","homeowner":false,"vehicle":"used_up_to_5","electric":true,"abn":"6m_to_2y","from":{"rate_pa":9.55,"comparison_rate_pa":12.15},"example":{"rate_pa":9.78,"comparison_rate_pa":12.38},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":13000,"amount_max":98000,"term_months_min":36,"term_months_max":84},"note":"Note: these rates cover loans of $13,000 to $98,000, in $1,000 steps, over 3 to 7 years.","example_person":{"score":790,"score_scale":"equifax","defaults":[],"home":"renting_agent","car_age_years":3,"fuel":"electric","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":13,"gst_months":13,"text":"credit score 790 on the Equifax scale, clean credit file, renting through a real estate agent, buying a 3-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Very good credit (Equifax 735–852), not a homeowner, ABN active 6 months to 2 years, buying a battery electric used car up to 5 years old for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 9.55% p.a. (comparison rate 12.15% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $13,000 to $98,000 over 3 to 7 years. Agent Finance Example: through Agent Finance, a person with credit score 790 on the Equifax scale, clean credit file, renting through a real estate agent, buying a 3-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months would be offered 9.78% p.a. (comparison rate 12.38% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.very_good.not_homeowner.used_up_to_5.electric.2y_plus","credit":"very_good","homeowner":false,"vehicle":"used_up_to_5","electric":true,"abn":"2y_plus","from":{"rate_pa":9.55,"comparison_rate_pa":12.15},"example":{"rate_pa":9.78,"comparison_rate_pa":12.38},"to":{"rate_pa":16.95,"comparison_rate_pa":23.45},"covers":{"amount_min":13000,"amount_max":98000,"term_months_min":36,"term_months_max":84},"note":"Note: these rates cover loans of $13,000 to $98,000, in $1,000 steps, over 3 to 7 years.","example_person":{"score":790,"score_scale":"equifax","defaults":[],"home":"renting_agent","car_age_years":3,"fuel":"electric","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":60,"gst_months":60,"text":"credit score 790 on the Equifax scale, clean credit file, renting through a real estate agent, buying a 3-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Very good credit (Equifax 735–852), not a homeowner, ABN active 2 years or more, buying a battery electric used car up to 5 years old for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 9.55% p.a. (comparison rate 12.15% p.a.) to 16.95% p.a. (comparison rate 23.45% p.a.), for loans of $13,000 to $98,000 over 3 to 7 years. Agent Finance Example: through Agent Finance, a person with credit score 790 on the Equifax scale, clean credit file, renting through a real estate agent, buying a 3-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years would be offered 9.78% p.a. (comparison rate 12.38% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.very_good.not_homeowner.used_6_plus.not_electric.6m_to_2y","credit":"very_good","homeowner":false,"vehicle":"used_6_plus","electric":false,"abn":"6m_to_2y","from":{"rate_pa":10.2,"comparison_rate_pa":12.8},"example":{"rate_pa":10.4,"comparison_rate_pa":13},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":13000,"amount_max":98000,"term_months_min":36,"term_months_max":72},"note":"Note: these rates cover loans of $13,000 to $98,000, in $1,000 steps, over 3 to 6 years.","example_person":{"score":790,"score_scale":"equifax","defaults":[],"home":"renting_agent","car_age_years":8,"fuel":"petrol","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":13,"gst_months":13,"text":"credit score 790 on the Equifax scale, clean credit file, renting through a real estate agent, buying an 8-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Very good credit (Equifax 735–852), not a homeowner, ABN active 6 months to 2 years, buying a used car 6 years or older for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 10.20% p.a. (comparison rate 12.80% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $13,000 to $98,000 over 3 to 6 years. Agent Finance Example: through Agent Finance, a person with credit score 790 on the Equifax scale, clean credit file, renting through a real estate agent, buying an 8-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months would be offered 10.40% p.a. (comparison rate 13.00% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.very_good.not_homeowner.used_6_plus.not_electric.2y_plus","credit":"very_good","homeowner":false,"vehicle":"used_6_plus","electric":false,"abn":"2y_plus","from":{"rate_pa":10.2,"comparison_rate_pa":12.8},"example":{"rate_pa":10.4,"comparison_rate_pa":13},"to":{"rate_pa":16.95,"comparison_rate_pa":23.45},"covers":{"amount_min":13000,"amount_max":98000,"term_months_min":36,"term_months_max":72},"note":"Note: these rates cover loans of $13,000 to $98,000, in $1,000 steps, over 3 to 6 years.","example_person":{"score":790,"score_scale":"equifax","defaults":[],"home":"renting_agent","car_age_years":8,"fuel":"petrol","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":60,"gst_months":60,"text":"credit score 790 on the Equifax scale, clean credit file, renting through a real estate agent, buying an 8-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Very good credit (Equifax 735–852), not a homeowner, ABN active 2 years or more, buying a used car 6 years or older for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 10.20% p.a. (comparison rate 12.80% p.a.) to 16.95% p.a. (comparison rate 23.45% p.a.), for loans of $13,000 to $98,000 over 3 to 6 years. Agent Finance Example: through Agent Finance, a person with credit score 790 on the Equifax scale, clean credit file, renting through a real estate agent, buying an 8-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years would be offered 10.40% p.a. (comparison rate 13.00% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.very_good.not_homeowner.used_6_plus.electric.6m_to_2y","credit":"very_good","homeowner":false,"vehicle":"used_6_plus","electric":true,"abn":"6m_to_2y","from":{"rate_pa":10.2,"comparison_rate_pa":12.8},"example":{"rate_pa":10.4,"comparison_rate_pa":13},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":13000,"amount_max":98000,"term_months_min":36,"term_months_max":72},"note":"Note: these rates cover loans of $13,000 to $98,000, in $1,000 steps, over 3 to 6 years.","example_person":{"score":790,"score_scale":"equifax","defaults":[],"home":"renting_agent","car_age_years":8,"fuel":"electric","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":13,"gst_months":13,"text":"credit score 790 on the Equifax scale, clean credit file, renting through a real estate agent, buying an 8-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Very good credit (Equifax 735–852), not a homeowner, ABN active 6 months to 2 years, buying a battery electric used car 6 years or older for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 10.20% p.a. (comparison rate 12.80% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $13,000 to $98,000 over 3 to 6 years. Agent Finance Example: through Agent Finance, a person with credit score 790 on the Equifax scale, clean credit file, renting through a real estate agent, buying an 8-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months would be offered 10.40% p.a. (comparison rate 13.00% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.very_good.not_homeowner.used_6_plus.electric.2y_plus","credit":"very_good","homeowner":false,"vehicle":"used_6_plus","electric":true,"abn":"2y_plus","from":{"rate_pa":10.2,"comparison_rate_pa":12.8},"example":{"rate_pa":10.4,"comparison_rate_pa":13},"to":{"rate_pa":16.95,"comparison_rate_pa":23.45},"covers":{"amount_min":13000,"amount_max":98000,"term_months_min":36,"term_months_max":72},"note":"Note: these rates cover loans of $13,000 to $98,000, in $1,000 steps, over 3 to 6 years.","example_person":{"score":790,"score_scale":"equifax","defaults":[],"home":"renting_agent","car_age_years":8,"fuel":"electric","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":60,"gst_months":60,"text":"credit score 790 on the Equifax scale, clean credit file, renting through a real estate agent, buying an 8-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Very good credit (Equifax 735–852), not a homeowner, ABN active 2 years or more, buying a battery electric used car 6 years or older for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 10.20% p.a. (comparison rate 12.80% p.a.) to 16.95% p.a. (comparison rate 23.45% p.a.), for loans of $13,000 to $98,000 over 3 to 6 years. Agent Finance Example: through Agent Finance, a person with credit score 790 on the Equifax scale, clean credit file, renting through a real estate agent, buying an 8-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years would be offered 10.40% p.a. (comparison rate 13.00% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.good.homeowner.new.not_electric.6m_to_2y","credit":"good","homeowner":true,"vehicle":"new","electric":false,"abn":"6m_to_2y","from":{"rate_pa":8.2,"comparison_rate_pa":10.79},"example":{"rate_pa":8.29,"comparison_rate_pa":10.77},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":13000,"amount_max":98000,"term_months_min":36,"term_months_max":84},"note":"Note: these rates cover loans of $13,000 to $98,000, in $1,000 steps, over 3 to 7 years.","example_person":{"score":700,"score_scale":"equifax","defaults":[],"home":"mortgaged","car_age_years":0,"fuel":"petrol","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":13,"gst_months":13,"text":"credit score 700 on the Equifax scale, clean credit file, paying off a mortgage, buying a new petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Good credit (Equifax 661–734), homeowner, ABN active 6 months to 2 years, buying a new car for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 8.20% p.a. (comparison rate 10.79% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $13,000 to $98,000 over 3 to 7 years. Agent Finance Example: through Agent Finance, a person with credit score 700 on the Equifax scale, clean credit file, paying off a mortgage, buying a new petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months would be offered 8.29% p.a. (comparison rate 10.77% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.good.homeowner.new.not_electric.2y_plus","credit":"good","homeowner":true,"vehicle":"new","electric":false,"abn":"2y_plus","from":{"rate_pa":8.2,"comparison_rate_pa":10.79},"example":{"rate_pa":8.29,"comparison_rate_pa":10.77},"to":{"rate_pa":12.45,"comparison_rate_pa":16.75},"covers":{"amount_min":13000,"amount_max":98000,"term_months_min":36,"term_months_max":84},"note":"Note: these rates cover loans of $13,000 to $98,000, in $1,000 steps, over 3 to 7 years.","example_person":{"score":700,"score_scale":"equifax","defaults":[],"home":"mortgaged","car_age_years":0,"fuel":"petrol","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":60,"gst_months":60,"text":"credit score 700 on the Equifax scale, clean credit file, paying off a mortgage, buying a new petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Good credit (Equifax 661–734), homeowner, ABN active 2 years or more, buying a new car for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 8.20% p.a. (comparison rate 10.79% p.a.) to 12.45% p.a. (comparison rate 16.75% p.a.), for loans of $13,000 to $98,000 over 3 to 7 years. Agent Finance Example: through Agent Finance, a person with credit score 700 on the Equifax scale, clean credit file, paying off a mortgage, buying a new petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years would be offered 8.29% p.a. (comparison rate 10.77% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.good.homeowner.new.electric.6m_to_2y","credit":"good","homeowner":true,"vehicle":"new","electric":true,"abn":"6m_to_2y","from":{"rate_pa":8.04,"comparison_rate_pa":10.52},"example":{"rate_pa":8.04,"comparison_rate_pa":10.52},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":10000,"amount_max":98000,"term_months_min":36,"term_months_max":84},"note":"Note: these rates cover loans of $10,000 to $98,000, in $1,000 steps, over 3 to 7 years.","example_person":{"score":700,"score_scale":"equifax","defaults":[],"home":"mortgaged","car_age_years":0,"fuel":"electric","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":13,"gst_months":13,"text":"credit score 700 on the Equifax scale, clean credit file, paying off a mortgage, buying a new battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Good credit (Equifax 661–734), homeowner, ABN active 6 months to 2 years, buying a battery electric new car for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 8.04% p.a. (comparison rate 10.52% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $10,000 to $98,000 over 3 to 7 years. Agent Finance Example: through Agent Finance, a person with credit score 700 on the Equifax scale, clean credit file, paying off a mortgage, buying a new battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months would be offered 8.04% p.a. (comparison rate 10.52% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.good.homeowner.new.electric.2y_plus","credit":"good","homeowner":true,"vehicle":"new","electric":true,"abn":"2y_plus","from":{"rate_pa":8.04,"comparison_rate_pa":10.52},"example":{"rate_pa":8.04,"comparison_rate_pa":10.52},"to":{"rate_pa":12.45,"comparison_rate_pa":16.75},"covers":{"amount_min":10000,"amount_max":100000,"term_months_min":36,"term_months_max":84},"note":null,"example_person":{"score":700,"score_scale":"equifax","defaults":[],"home":"mortgaged","car_age_years":0,"fuel":"electric","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":60,"gst_months":60,"text":"credit score 700 on the Equifax scale, clean credit file, paying off a mortgage, buying a new battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Good credit (Equifax 661–734), homeowner, ABN active 2 years or more, buying a battery electric new car for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 8.04% p.a. (comparison rate 10.52% p.a.) to 12.45% p.a. (comparison rate 16.75% p.a.), for loans of $10,000 to $100,000 over 3 to 7 years. Agent Finance Example: through Agent Finance, a person with credit score 700 on the Equifax scale, clean credit file, paying off a mortgage, buying a new battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years would be offered 8.04% p.a. (comparison rate 10.52% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.good.homeowner.used_up_to_5.not_electric.6m_to_2y","credit":"good","homeowner":true,"vehicle":"used_up_to_5","electric":false,"abn":"6m_to_2y","from":{"rate_pa":8.43,"comparison_rate_pa":11.02},"example":{"rate_pa":8.43,"comparison_rate_pa":11.02},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":13000,"amount_max":98000,"term_months_min":36,"term_months_max":84},"note":"Note: these rates cover loans of $13,000 to $98,000, in $1,000 steps, over 3 to 7 years.","example_person":{"score":700,"score_scale":"equifax","defaults":[],"home":"mortgaged","car_age_years":3,"fuel":"petrol","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":13,"gst_months":13,"text":"credit score 700 on the Equifax scale, clean credit file, paying off a mortgage, buying a 3-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Good credit (Equifax 661–734), homeowner, ABN active 6 months to 2 years, buying a used car up to 5 years old for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 8.43% p.a. (comparison rate 11.02% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $13,000 to $98,000 over 3 to 7 years. Agent Finance Example: through Agent Finance, a person with credit score 700 on the Equifax scale, clean credit file, paying off a mortgage, buying a 3-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months would be offered 8.43% p.a. (comparison rate 11.02% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.good.homeowner.used_up_to_5.not_electric.2y_plus","credit":"good","homeowner":true,"vehicle":"used_up_to_5","electric":false,"abn":"2y_plus","from":{"rate_pa":8.43,"comparison_rate_pa":11.02},"example":{"rate_pa":8.43,"comparison_rate_pa":11.02},"to":{"rate_pa":12.45,"comparison_rate_pa":16.75},"covers":{"amount_min":13000,"amount_max":98000,"term_months_min":36,"term_months_max":84},"note":"Note: these rates cover loans of $13,000 to $98,000, in $1,000 steps, over 3 to 7 years.","example_person":{"score":700,"score_scale":"equifax","defaults":[],"home":"mortgaged","car_age_years":3,"fuel":"petrol","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":60,"gst_months":60,"text":"credit score 700 on the Equifax scale, clean credit file, paying off a mortgage, buying a 3-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Good credit (Equifax 661–734), homeowner, ABN active 2 years or more, buying a used car up to 5 years old for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 8.43% p.a. (comparison rate 11.02% p.a.) to 12.45% p.a. (comparison rate 16.75% p.a.), for loans of $13,000 to $98,000 over 3 to 7 years. Agent Finance Example: through Agent Finance, a person with credit score 700 on the Equifax scale, clean credit file, paying off a mortgage, buying a 3-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years would be offered 8.43% p.a. (comparison rate 11.02% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.good.homeowner.used_up_to_5.electric.6m_to_2y","credit":"good","homeowner":true,"vehicle":"used_up_to_5","electric":true,"abn":"6m_to_2y","from":{"rate_pa":8.43,"comparison_rate_pa":11.02},"example":{"rate_pa":8.43,"comparison_rate_pa":11.02},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":13000,"amount_max":98000,"term_months_min":36,"term_months_max":84},"note":"Note: these rates cover loans of $13,000 to $98,000, in $1,000 steps, over 3 to 7 years.","example_person":{"score":700,"score_scale":"equifax","defaults":[],"home":"mortgaged","car_age_years":3,"fuel":"electric","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":13,"gst_months":13,"text":"credit score 700 on the Equifax scale, clean credit file, paying off a mortgage, buying a 3-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Good credit (Equifax 661–734), homeowner, ABN active 6 months to 2 years, buying a battery electric used car up to 5 years old for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 8.43% p.a. (comparison rate 11.02% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $13,000 to $98,000 over 3 to 7 years. Agent Finance Example: through Agent Finance, a person with credit score 700 on the Equifax scale, clean credit file, paying off a mortgage, buying a 3-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months would be offered 8.43% p.a. (comparison rate 11.02% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.good.homeowner.used_up_to_5.electric.2y_plus","credit":"good","homeowner":true,"vehicle":"used_up_to_5","electric":true,"abn":"2y_plus","from":{"rate_pa":8.43,"comparison_rate_pa":11.02},"example":{"rate_pa":8.43,"comparison_rate_pa":11.02},"to":{"rate_pa":12.45,"comparison_rate_pa":16.75},"covers":{"amount_min":13000,"amount_max":98000,"term_months_min":36,"term_months_max":84},"note":"Note: these rates cover loans of $13,000 to $98,000, in $1,000 steps, over 3 to 7 years.","example_person":{"score":700,"score_scale":"equifax","defaults":[],"home":"mortgaged","car_age_years":3,"fuel":"electric","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":60,"gst_months":60,"text":"credit score 700 on the Equifax scale, clean credit file, paying off a mortgage, buying a 3-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Good credit (Equifax 661–734), homeowner, ABN active 2 years or more, buying a battery electric used car up to 5 years old for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 8.43% p.a. (comparison rate 11.02% p.a.) to 12.45% p.a. (comparison rate 16.75% p.a.), for loans of $13,000 to $98,000 over 3 to 7 years. Agent Finance Example: through Agent Finance, a person with credit score 700 on the Equifax scale, clean credit file, paying off a mortgage, buying a 3-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years would be offered 8.43% p.a. (comparison rate 11.02% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.good.homeowner.used_6_plus.not_electric.6m_to_2y","credit":"good","homeowner":true,"vehicle":"used_6_plus","electric":false,"abn":"6m_to_2y","from":{"rate_pa":9,"comparison_rate_pa":11.59},"example":{"rate_pa":9,"comparison_rate_pa":11.59},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":13000,"amount_max":98000,"term_months_min":36,"term_months_max":72},"note":"Note: these rates cover loans of $13,000 to $98,000, in $1,000 steps, over 3 to 6 years.","example_person":{"score":700,"score_scale":"equifax","defaults":[],"home":"mortgaged","car_age_years":8,"fuel":"petrol","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":13,"gst_months":13,"text":"credit score 700 on the Equifax scale, clean credit file, paying off a mortgage, buying an 8-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Good credit (Equifax 661–734), homeowner, ABN active 6 months to 2 years, buying a used car 6 years or older for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 9.00% p.a. (comparison rate 11.59% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $13,000 to $98,000 over 3 to 6 years. Agent Finance Example: through Agent Finance, a person with credit score 700 on the Equifax scale, clean credit file, paying off a mortgage, buying an 8-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months would be offered 9.00% p.a. (comparison rate 11.59% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.good.homeowner.used_6_plus.not_electric.2y_plus","credit":"good","homeowner":true,"vehicle":"used_6_plus","electric":false,"abn":"2y_plus","from":{"rate_pa":9,"comparison_rate_pa":11.59},"example":{"rate_pa":9,"comparison_rate_pa":11.59},"to":{"rate_pa":13.95,"comparison_rate_pa":16.58},"covers":{"amount_min":13000,"amount_max":98000,"term_months_min":36,"term_months_max":72},"note":"Note: these rates cover loans of $13,000 to $98,000, in $1,000 steps, over 3 to 6 years.","example_person":{"score":700,"score_scale":"equifax","defaults":[],"home":"mortgaged","car_age_years":8,"fuel":"petrol","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":60,"gst_months":60,"text":"credit score 700 on the Equifax scale, clean credit file, paying off a mortgage, buying an 8-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Good credit (Equifax 661–734), homeowner, ABN active 2 years or more, buying a used car 6 years or older for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 9.00% p.a. (comparison rate 11.59% p.a.) to 13.95% p.a. (comparison rate 16.58% p.a.), for loans of $13,000 to $98,000 over 3 to 6 years. Agent Finance Example: through Agent Finance, a person with credit score 700 on the Equifax scale, clean credit file, paying off a mortgage, buying an 8-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years would be offered 9.00% p.a. (comparison rate 11.59% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.good.homeowner.used_6_plus.electric.6m_to_2y","credit":"good","homeowner":true,"vehicle":"used_6_plus","electric":true,"abn":"6m_to_2y","from":{"rate_pa":9,"comparison_rate_pa":11.59},"example":{"rate_pa":9,"comparison_rate_pa":11.59},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":13000,"amount_max":98000,"term_months_min":36,"term_months_max":72},"note":"Note: these rates cover loans of $13,000 to $98,000, in $1,000 steps, over 3 to 6 years.","example_person":{"score":700,"score_scale":"equifax","defaults":[],"home":"mortgaged","car_age_years":8,"fuel":"electric","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":13,"gst_months":13,"text":"credit score 700 on the Equifax scale, clean credit file, paying off a mortgage, buying an 8-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Good credit (Equifax 661–734), homeowner, ABN active 6 months to 2 years, buying a battery electric used car 6 years or older for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 9.00% p.a. (comparison rate 11.59% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $13,000 to $98,000 over 3 to 6 years. Agent Finance Example: through Agent Finance, a person with credit score 700 on the Equifax scale, clean credit file, paying off a mortgage, buying an 8-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months would be offered 9.00% p.a. (comparison rate 11.59% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.good.homeowner.used_6_plus.electric.2y_plus","credit":"good","homeowner":true,"vehicle":"used_6_plus","electric":true,"abn":"2y_plus","from":{"rate_pa":9,"comparison_rate_pa":11.59},"example":{"rate_pa":9,"comparison_rate_pa":11.59},"to":{"rate_pa":13.95,"comparison_rate_pa":16.58},"covers":{"amount_min":13000,"amount_max":98000,"term_months_min":36,"term_months_max":72},"note":"Note: these rates cover loans of $13,000 to $98,000, in $1,000 steps, over 3 to 6 years.","example_person":{"score":700,"score_scale":"equifax","defaults":[],"home":"mortgaged","car_age_years":8,"fuel":"electric","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":60,"gst_months":60,"text":"credit score 700 on the Equifax scale, clean credit file, paying off a mortgage, buying an 8-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Good credit (Equifax 661–734), homeowner, ABN active 2 years or more, buying a battery electric used car 6 years or older for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 9.00% p.a. (comparison rate 11.59% p.a.) to 13.95% p.a. (comparison rate 16.58% p.a.), for loans of $13,000 to $98,000 over 3 to 6 years. Agent Finance Example: through Agent Finance, a person with credit score 700 on the Equifax scale, clean credit file, paying off a mortgage, buying an 8-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years would be offered 9.00% p.a. (comparison rate 11.59% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.good.not_homeowner.new.not_electric.6m_to_2y","credit":"good","homeowner":false,"vehicle":"new","electric":false,"abn":"6m_to_2y","from":{"rate_pa":9.5,"comparison_rate_pa":12.1},"example":{"rate_pa":9.5,"comparison_rate_pa":12.1},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":13000,"amount_max":98000,"term_months_min":36,"term_months_max":84},"note":"Note: these rates cover loans of $13,000 to $98,000, in $1,000 steps, over 3 to 7 years.","example_person":{"score":700,"score_scale":"equifax","defaults":[],"home":"renting_agent","car_age_years":0,"fuel":"petrol","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":13,"gst_months":13,"text":"credit score 700 on the Equifax scale, clean credit file, renting through a real estate agent, buying a new petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Good credit (Equifax 661–734), not a homeowner, ABN active 6 months to 2 years, buying a new car for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 9.50% p.a. (comparison rate 12.10% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $13,000 to $98,000 over 3 to 7 years. Agent Finance Example: through Agent Finance, a person with credit score 700 on the Equifax scale, clean credit file, renting through a real estate agent, buying a new petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months would be offered 9.50% p.a. (comparison rate 12.10% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.good.not_homeowner.new.not_electric.2y_plus","credit":"good","homeowner":false,"vehicle":"new","electric":false,"abn":"2y_plus","from":{"rate_pa":9.5,"comparison_rate_pa":12.1},"example":{"rate_pa":9.5,"comparison_rate_pa":12.1},"to":{"rate_pa":16.95,"comparison_rate_pa":23.45},"covers":{"amount_min":13000,"amount_max":98000,"term_months_min":36,"term_months_max":84},"note":"Note: these rates cover loans of $13,000 to $98,000, in $1,000 steps, over 3 to 7 years.","example_person":{"score":700,"score_scale":"equifax","defaults":[],"home":"renting_agent","car_age_years":0,"fuel":"petrol","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":60,"gst_months":60,"text":"credit score 700 on the Equifax scale, clean credit file, renting through a real estate agent, buying a new petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Good credit (Equifax 661–734), not a homeowner, ABN active 2 years or more, buying a new car for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 9.50% p.a. (comparison rate 12.10% p.a.) to 16.95% p.a. (comparison rate 23.45% p.a.), for loans of $13,000 to $98,000 over 3 to 7 years. Agent Finance Example: through Agent Finance, a person with credit score 700 on the Equifax scale, clean credit file, renting through a real estate agent, buying a new petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years would be offered 9.50% p.a. (comparison rate 12.10% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.good.not_homeowner.new.electric.6m_to_2y","credit":"good","homeowner":false,"vehicle":"new","electric":true,"abn":"6m_to_2y","from":{"rate_pa":9.5,"comparison_rate_pa":12.1},"example":{"rate_pa":9.5,"comparison_rate_pa":12.1},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":13000,"amount_max":98000,"term_months_min":36,"term_months_max":84},"note":"Note: these rates cover loans of $13,000 to $98,000, in $1,000 steps, over 3 to 7 years.","example_person":{"score":700,"score_scale":"equifax","defaults":[],"home":"renting_agent","car_age_years":0,"fuel":"electric","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":13,"gst_months":13,"text":"credit score 700 on the Equifax scale, clean credit file, renting through a real estate agent, buying a new battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Good credit (Equifax 661–734), not a homeowner, ABN active 6 months to 2 years, buying a battery electric new car for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 9.50% p.a. (comparison rate 12.10% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $13,000 to $98,000 over 3 to 7 years. Agent Finance Example: through Agent Finance, a person with credit score 700 on the Equifax scale, clean credit file, renting through a real estate agent, buying a new battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months would be offered 9.50% p.a. (comparison rate 12.10% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.good.not_homeowner.new.electric.2y_plus","credit":"good","homeowner":false,"vehicle":"new","electric":true,"abn":"2y_plus","from":{"rate_pa":9.5,"comparison_rate_pa":12.1},"example":{"rate_pa":9.5,"comparison_rate_pa":12.1},"to":{"rate_pa":16.95,"comparison_rate_pa":23.45},"covers":{"amount_min":13000,"amount_max":98000,"term_months_min":36,"term_months_max":84},"note":"Note: these rates cover loans of $13,000 to $98,000, in $1,000 steps, over 3 to 7 years.","example_person":{"score":700,"score_scale":"equifax","defaults":[],"home":"renting_agent","car_age_years":0,"fuel":"electric","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":60,"gst_months":60,"text":"credit score 700 on the Equifax scale, clean credit file, renting through a real estate agent, buying a new battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Good credit (Equifax 661–734), not a homeowner, ABN active 2 years or more, buying a battery electric new car for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 9.50% p.a. (comparison rate 12.10% p.a.) to 16.95% p.a. (comparison rate 23.45% p.a.), for loans of $13,000 to $98,000 over 3 to 7 years. Agent Finance Example: through Agent Finance, a person with credit score 700 on the Equifax scale, clean credit file, renting through a real estate agent, buying a new battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years would be offered 9.50% p.a. (comparison rate 12.10% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.good.not_homeowner.used_up_to_5.not_electric.6m_to_2y","credit":"good","homeowner":false,"vehicle":"used_up_to_5","electric":false,"abn":"6m_to_2y","from":{"rate_pa":9.78,"comparison_rate_pa":12.38},"example":{"rate_pa":9.78,"comparison_rate_pa":12.38},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":13000,"amount_max":98000,"term_months_min":36,"term_months_max":84},"note":"Note: these rates cover loans of $13,000 to $98,000, in $1,000 steps, over 3 to 7 years.","example_person":{"score":700,"score_scale":"equifax","defaults":[],"home":"renting_agent","car_age_years":3,"fuel":"petrol","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":13,"gst_months":13,"text":"credit score 700 on the Equifax scale, clean credit file, renting through a real estate agent, buying a 3-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Good credit (Equifax 661–734), not a homeowner, ABN active 6 months to 2 years, buying a used car up to 5 years old for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 9.78% p.a. (comparison rate 12.38% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $13,000 to $98,000 over 3 to 7 years. Agent Finance Example: through Agent Finance, a person with credit score 700 on the Equifax scale, clean credit file, renting through a real estate agent, buying a 3-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months would be offered 9.78% p.a. (comparison rate 12.38% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.good.not_homeowner.used_up_to_5.not_electric.2y_plus","credit":"good","homeowner":false,"vehicle":"used_up_to_5","electric":false,"abn":"2y_plus","from":{"rate_pa":9.78,"comparison_rate_pa":12.38},"example":{"rate_pa":9.78,"comparison_rate_pa":12.38},"to":{"rate_pa":16.95,"comparison_rate_pa":23.45},"covers":{"amount_min":13000,"amount_max":98000,"term_months_min":36,"term_months_max":84},"note":"Note: these rates cover loans of $13,000 to $98,000, in $1,000 steps, over 3 to 7 years.","example_person":{"score":700,"score_scale":"equifax","defaults":[],"home":"renting_agent","car_age_years":3,"fuel":"petrol","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":60,"gst_months":60,"text":"credit score 700 on the Equifax scale, clean credit file, renting through a real estate agent, buying a 3-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Good credit (Equifax 661–734), not a homeowner, ABN active 2 years or more, buying a used car up to 5 years old for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 9.78% p.a. (comparison rate 12.38% p.a.) to 16.95% p.a. (comparison rate 23.45% p.a.), for loans of $13,000 to $98,000 over 3 to 7 years. Agent Finance Example: through Agent Finance, a person with credit score 700 on the Equifax scale, clean credit file, renting through a real estate agent, buying a 3-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years would be offered 9.78% p.a. (comparison rate 12.38% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.good.not_homeowner.used_up_to_5.electric.6m_to_2y","credit":"good","homeowner":false,"vehicle":"used_up_to_5","electric":true,"abn":"6m_to_2y","from":{"rate_pa":9.78,"comparison_rate_pa":12.38},"example":{"rate_pa":9.78,"comparison_rate_pa":12.38},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":13000,"amount_max":98000,"term_months_min":36,"term_months_max":84},"note":"Note: these rates cover loans of $13,000 to $98,000, in $1,000 steps, over 3 to 7 years.","example_person":{"score":700,"score_scale":"equifax","defaults":[],"home":"renting_agent","car_age_years":3,"fuel":"electric","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":13,"gst_months":13,"text":"credit score 700 on the Equifax scale, clean credit file, renting through a real estate agent, buying a 3-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Good credit (Equifax 661–734), not a homeowner, ABN active 6 months to 2 years, buying a battery electric used car up to 5 years old for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 9.78% p.a. (comparison rate 12.38% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $13,000 to $98,000 over 3 to 7 years. Agent Finance Example: through Agent Finance, a person with credit score 700 on the Equifax scale, clean credit file, renting through a real estate agent, buying a 3-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months would be offered 9.78% p.a. (comparison rate 12.38% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.good.not_homeowner.used_up_to_5.electric.2y_plus","credit":"good","homeowner":false,"vehicle":"used_up_to_5","electric":true,"abn":"2y_plus","from":{"rate_pa":9.78,"comparison_rate_pa":12.38},"example":{"rate_pa":9.78,"comparison_rate_pa":12.38},"to":{"rate_pa":16.95,"comparison_rate_pa":23.45},"covers":{"amount_min":13000,"amount_max":98000,"term_months_min":36,"term_months_max":84},"note":"Note: these rates cover loans of $13,000 to $98,000, in $1,000 steps, over 3 to 7 years.","example_person":{"score":700,"score_scale":"equifax","defaults":[],"home":"renting_agent","car_age_years":3,"fuel":"electric","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":60,"gst_months":60,"text":"credit score 700 on the Equifax scale, clean credit file, renting through a real estate agent, buying a 3-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Good credit (Equifax 661–734), not a homeowner, ABN active 2 years or more, buying a battery electric used car up to 5 years old for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 9.78% p.a. (comparison rate 12.38% p.a.) to 16.95% p.a. (comparison rate 23.45% p.a.), for loans of $13,000 to $98,000 over 3 to 7 years. Agent Finance Example: through Agent Finance, a person with credit score 700 on the Equifax scale, clean credit file, renting through a real estate agent, buying a 3-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years would be offered 9.78% p.a. (comparison rate 12.38% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.good.not_homeowner.used_6_plus.not_electric.6m_to_2y","credit":"good","homeowner":false,"vehicle":"used_6_plus","electric":false,"abn":"6m_to_2y","from":{"rate_pa":10.4,"comparison_rate_pa":13},"example":{"rate_pa":10.4,"comparison_rate_pa":13},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":13000,"amount_max":98000,"term_months_min":36,"term_months_max":72},"note":"Note: these rates cover loans of $13,000 to $98,000, in $1,000 steps, over 3 to 6 years.","example_person":{"score":700,"score_scale":"equifax","defaults":[],"home":"renting_agent","car_age_years":8,"fuel":"petrol","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":13,"gst_months":13,"text":"credit score 700 on the Equifax scale, clean credit file, renting through a real estate agent, buying an 8-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Good credit (Equifax 661–734), not a homeowner, ABN active 6 months to 2 years, buying a used car 6 years or older for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 10.40% p.a. (comparison rate 13.00% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $13,000 to $98,000 over 3 to 6 years. Agent Finance Example: through Agent Finance, a person with credit score 700 on the Equifax scale, clean credit file, renting through a real estate agent, buying an 8-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months would be offered 10.40% p.a. (comparison rate 13.00% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.good.not_homeowner.used_6_plus.not_electric.2y_plus","credit":"good","homeowner":false,"vehicle":"used_6_plus","electric":false,"abn":"2y_plus","from":{"rate_pa":10.4,"comparison_rate_pa":13},"example":{"rate_pa":10.4,"comparison_rate_pa":13},"to":{"rate_pa":16.95,"comparison_rate_pa":23.45},"covers":{"amount_min":13000,"amount_max":98000,"term_months_min":36,"term_months_max":72},"note":"Note: these rates cover loans of $13,000 to $98,000, in $1,000 steps, over 3 to 6 years.","example_person":{"score":700,"score_scale":"equifax","defaults":[],"home":"renting_agent","car_age_years":8,"fuel":"petrol","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":60,"gst_months":60,"text":"credit score 700 on the Equifax scale, clean credit file, renting through a real estate agent, buying an 8-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Good credit (Equifax 661–734), not a homeowner, ABN active 2 years or more, buying a used car 6 years or older for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 10.40% p.a. (comparison rate 13.00% p.a.) to 16.95% p.a. (comparison rate 23.45% p.a.), for loans of $13,000 to $98,000 over 3 to 6 years. Agent Finance Example: through Agent Finance, a person with credit score 700 on the Equifax scale, clean credit file, renting through a real estate agent, buying an 8-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years would be offered 10.40% p.a. (comparison rate 13.00% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.good.not_homeowner.used_6_plus.electric.6m_to_2y","credit":"good","homeowner":false,"vehicle":"used_6_plus","electric":true,"abn":"6m_to_2y","from":{"rate_pa":10.4,"comparison_rate_pa":13},"example":{"rate_pa":10.4,"comparison_rate_pa":13},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":13000,"amount_max":98000,"term_months_min":36,"term_months_max":72},"note":"Note: these rates cover loans of $13,000 to $98,000, in $1,000 steps, over 3 to 6 years.","example_person":{"score":700,"score_scale":"equifax","defaults":[],"home":"renting_agent","car_age_years":8,"fuel":"electric","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":13,"gst_months":13,"text":"credit score 700 on the Equifax scale, clean credit file, renting through a real estate agent, buying an 8-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Good credit (Equifax 661–734), not a homeowner, ABN active 6 months to 2 years, buying a battery electric used car 6 years or older for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 10.40% p.a. (comparison rate 13.00% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $13,000 to $98,000 over 3 to 6 years. Agent Finance Example: through Agent Finance, a person with credit score 700 on the Equifax scale, clean credit file, renting through a real estate agent, buying an 8-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months would be offered 10.40% p.a. (comparison rate 13.00% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.good.not_homeowner.used_6_plus.electric.2y_plus","credit":"good","homeowner":false,"vehicle":"used_6_plus","electric":true,"abn":"2y_plus","from":{"rate_pa":10.4,"comparison_rate_pa":13},"example":{"rate_pa":10.4,"comparison_rate_pa":13},"to":{"rate_pa":16.95,"comparison_rate_pa":23.45},"covers":{"amount_min":13000,"amount_max":98000,"term_months_min":36,"term_months_max":72},"note":"Note: these rates cover loans of $13,000 to $98,000, in $1,000 steps, over 3 to 6 years.","example_person":{"score":700,"score_scale":"equifax","defaults":[],"home":"renting_agent","car_age_years":8,"fuel":"electric","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":60,"gst_months":60,"text":"credit score 700 on the Equifax scale, clean credit file, renting through a real estate agent, buying an 8-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Good credit (Equifax 661–734), not a homeowner, ABN active 2 years or more, buying a battery electric used car 6 years or older for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 10.40% p.a. (comparison rate 13.00% p.a.) to 16.95% p.a. (comparison rate 23.45% p.a.), for loans of $13,000 to $98,000 over 3 to 6 years. Agent Finance Example: through Agent Finance, a person with credit score 700 on the Equifax scale, clean credit file, renting through a real estate agent, buying an 8-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years would be offered 10.40% p.a. (comparison rate 13.00% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.average.homeowner.new.not_electric.6m_to_2y","credit":"average","homeowner":true,"vehicle":"new","electric":false,"abn":"6m_to_2y","from":{"rate_pa":8.2,"comparison_rate_pa":10.79},"example":{"rate_pa":8.58,"comparison_rate_pa":11.17},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":13000,"amount_max":50000,"term_months_min":36,"term_months_max":60},"note":"Note: these rates cover loans of $13,000 to $50,000, in $1,000 steps, over 3 to 5 years.","example_person":{"score":560,"score_scale":"equifax","defaults":[],"home":"mortgaged","car_age_years":0,"fuel":"petrol","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":13,"gst_months":13,"text":"credit score 560 on the Equifax scale, clean credit file, paying off a mortgage, buying a new petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Average credit (Equifax 460–660), homeowner, ABN active 6 months to 2 years, buying a new car for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 8.20% p.a. (comparison rate 10.79% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $13,000 to $50,000 over 3 to 5 years. Agent Finance Example: through Agent Finance, a person with credit score 560 on the Equifax scale, clean credit file, paying off a mortgage, buying a new petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months would be offered 8.58% p.a. (comparison rate 11.17% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.average.homeowner.new.not_electric.2y_plus","credit":"average","homeowner":true,"vehicle":"new","electric":false,"abn":"2y_plus","from":{"rate_pa":8.2,"comparison_rate_pa":10.79},"example":{"rate_pa":8.58,"comparison_rate_pa":11.17},"to":{"rate_pa":12.49,"comparison_rate_pa":16.29},"covers":{"amount_min":13000,"amount_max":98000,"term_months_min":36,"term_months_max":84},"note":"Note: these rates cover loans of $13,000 to $98,000, in $1,000 steps, over 3 to 7 years.","example_person":{"score":560,"score_scale":"equifax","defaults":[],"home":"mortgaged","car_age_years":0,"fuel":"petrol","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":60,"gst_months":60,"text":"credit score 560 on the Equifax scale, clean credit file, paying off a mortgage, buying a new petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Average credit (Equifax 460–660), homeowner, ABN active 2 years or more, buying a new car for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 8.20% p.a. (comparison rate 10.79% p.a.) to 12.49% p.a. (comparison rate 16.29% p.a.), for loans of $13,000 to $98,000 over 3 to 7 years. Agent Finance Example: through Agent Finance, a person with credit score 560 on the Equifax scale, clean credit file, paying off a mortgage, buying a new petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years would be offered 8.58% p.a. (comparison rate 11.17% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.average.homeowner.new.electric.6m_to_2y","credit":"average","homeowner":true,"vehicle":"new","electric":true,"abn":"6m_to_2y","from":{"rate_pa":8.04,"comparison_rate_pa":10.52},"example":{"rate_pa":8.58,"comparison_rate_pa":11.17},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":10000,"amount_max":50000,"term_months_min":36,"term_months_max":60},"note":"Note: these rates cover loans of $10,000 to $50,000, in $1,000 steps, over 3 to 5 years.","example_person":{"score":560,"score_scale":"equifax","defaults":[],"home":"mortgaged","car_age_years":0,"fuel":"electric","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":13,"gst_months":13,"text":"credit score 560 on the Equifax scale, clean credit file, paying off a mortgage, buying a new battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Average credit (Equifax 460–660), homeowner, ABN active 6 months to 2 years, buying a battery electric new car for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 8.04% p.a. (comparison rate 10.52% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $10,000 to $50,000 over 3 to 5 years. Agent Finance Example: through Agent Finance, a person with credit score 560 on the Equifax scale, clean credit file, paying off a mortgage, buying a new battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months would be offered 8.58% p.a. (comparison rate 11.17% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.average.homeowner.new.electric.2y_plus","credit":"average","homeowner":true,"vehicle":"new","electric":true,"abn":"2y_plus","from":{"rate_pa":8.04,"comparison_rate_pa":10.52},"example":{"rate_pa":8.58,"comparison_rate_pa":11.17},"to":{"rate_pa":12.45,"comparison_rate_pa":16.75},"covers":{"amount_min":13000,"amount_max":100000,"term_months_min":36,"term_months_max":84},"note":"Note: these rates cover loans of $13,000 to $100,000, in $1,000 steps, over 3 to 7 years.","example_person":{"score":560,"score_scale":"equifax","defaults":[],"home":"mortgaged","car_age_years":0,"fuel":"electric","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":60,"gst_months":60,"text":"credit score 560 on the Equifax scale, clean credit file, paying off a mortgage, buying a new battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Average credit (Equifax 460–660), homeowner, ABN active 2 years or more, buying a battery electric new car for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 8.04% p.a. (comparison rate 10.52% p.a.) to 12.45% p.a. (comparison rate 16.75% p.a.), for loans of $13,000 to $100,000 over 3 to 7 years. Agent Finance Example: through Agent Finance, a person with credit score 560 on the Equifax scale, clean credit file, paying off a mortgage, buying a new battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years would be offered 8.58% p.a. (comparison rate 11.17% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.average.homeowner.used_up_to_5.not_electric.6m_to_2y","credit":"average","homeowner":true,"vehicle":"used_up_to_5","electric":false,"abn":"6m_to_2y","from":{"rate_pa":8.43,"comparison_rate_pa":11.02},"example":{"rate_pa":8.83,"comparison_rate_pa":11.42},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":13000,"amount_max":50000,"term_months_min":36,"term_months_max":60},"note":"Note: these rates cover loans of $13,000 to $50,000, in $1,000 steps, over 3 to 5 years.","example_person":{"score":560,"score_scale":"equifax","defaults":[],"home":"mortgaged","car_age_years":3,"fuel":"petrol","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":13,"gst_months":13,"text":"credit score 560 on the Equifax scale, clean credit file, paying off a mortgage, buying a 3-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Average credit (Equifax 460–660), homeowner, ABN active 6 months to 2 years, buying a used car up to 5 years old for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 8.43% p.a. (comparison rate 11.02% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $13,000 to $50,000 over 3 to 5 years. Agent Finance Example: through Agent Finance, a person with credit score 560 on the Equifax scale, clean credit file, paying off a mortgage, buying a 3-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months would be offered 8.83% p.a. (comparison rate 11.42% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.average.homeowner.used_up_to_5.not_electric.2y_plus","credit":"average","homeowner":true,"vehicle":"used_up_to_5","electric":false,"abn":"2y_plus","from":{"rate_pa":8.43,"comparison_rate_pa":11.02},"example":{"rate_pa":8.83,"comparison_rate_pa":11.42},"to":{"rate_pa":12.99,"comparison_rate_pa":16.8},"covers":{"amount_min":13000,"amount_max":98000,"term_months_min":36,"term_months_max":84},"note":"Note: these rates cover loans of $13,000 to $98,000, in $1,000 steps, over 3 to 7 years.","example_person":{"score":560,"score_scale":"equifax","defaults":[],"home":"mortgaged","car_age_years":3,"fuel":"petrol","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":60,"gst_months":60,"text":"credit score 560 on the Equifax scale, clean credit file, paying off a mortgage, buying a 3-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Average credit (Equifax 460–660), homeowner, ABN active 2 years or more, buying a used car up to 5 years old for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 8.43% p.a. (comparison rate 11.02% p.a.) to 12.99% p.a. (comparison rate 16.80% p.a.), for loans of $13,000 to $98,000 over 3 to 7 years. Agent Finance Example: through Agent Finance, a person with credit score 560 on the Equifax scale, clean credit file, paying off a mortgage, buying a 3-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years would be offered 8.83% p.a. (comparison rate 11.42% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.average.homeowner.used_up_to_5.electric.6m_to_2y","credit":"average","homeowner":true,"vehicle":"used_up_to_5","electric":true,"abn":"6m_to_2y","from":{"rate_pa":8.43,"comparison_rate_pa":11.02},"example":{"rate_pa":8.83,"comparison_rate_pa":11.42},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":13000,"amount_max":50000,"term_months_min":36,"term_months_max":60},"note":"Note: these rates cover loans of $13,000 to $50,000, in $1,000 steps, over 3 to 5 years.","example_person":{"score":560,"score_scale":"equifax","defaults":[],"home":"mortgaged","car_age_years":3,"fuel":"electric","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":13,"gst_months":13,"text":"credit score 560 on the Equifax scale, clean credit file, paying off a mortgage, buying a 3-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Average credit (Equifax 460–660), homeowner, ABN active 6 months to 2 years, buying a battery electric used car up to 5 years old for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 8.43% p.a. (comparison rate 11.02% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $13,000 to $50,000 over 3 to 5 years. Agent Finance Example: through Agent Finance, a person with credit score 560 on the Equifax scale, clean credit file, paying off a mortgage, buying a 3-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months would be offered 8.83% p.a. (comparison rate 11.42% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.average.homeowner.used_up_to_5.electric.2y_plus","credit":"average","homeowner":true,"vehicle":"used_up_to_5","electric":true,"abn":"2y_plus","from":{"rate_pa":8.43,"comparison_rate_pa":11.02},"example":{"rate_pa":8.83,"comparison_rate_pa":11.42},"to":{"rate_pa":12.74,"comparison_rate_pa":16.54},"covers":{"amount_min":13000,"amount_max":98000,"term_months_min":36,"term_months_max":84},"note":"Note: these rates cover loans of $13,000 to $98,000, in $1,000 steps, over 3 to 7 years.","example_person":{"score":560,"score_scale":"equifax","defaults":[],"home":"mortgaged","car_age_years":3,"fuel":"electric","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":60,"gst_months":60,"text":"credit score 560 on the Equifax scale, clean credit file, paying off a mortgage, buying a 3-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Average credit (Equifax 460–660), homeowner, ABN active 2 years or more, buying a battery electric used car up to 5 years old for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 8.43% p.a. (comparison rate 11.02% p.a.) to 12.74% p.a. (comparison rate 16.54% p.a.), for loans of $13,000 to $98,000 over 3 to 7 years. Agent Finance Example: through Agent Finance, a person with credit score 560 on the Equifax scale, clean credit file, paying off a mortgage, buying a 3-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years would be offered 8.83% p.a. (comparison rate 11.42% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.average.homeowner.used_6_plus.not_electric.6m_to_2y","credit":"average","homeowner":true,"vehicle":"used_6_plus","electric":false,"abn":"6m_to_2y","from":{"rate_pa":9,"comparison_rate_pa":11.59},"example":{"rate_pa":9.53,"comparison_rate_pa":12.13},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":13000,"amount_max":50000,"term_months_min":36,"term_months_max":60},"note":"Note: these rates cover loans of $13,000 to $50,000, in $1,000 steps, over 3 to 5 years.","example_person":{"score":560,"score_scale":"equifax","defaults":[],"home":"mortgaged","car_age_years":8,"fuel":"petrol","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":13,"gst_months":13,"text":"credit score 560 on the Equifax scale, clean credit file, paying off a mortgage, buying an 8-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Average credit (Equifax 460–660), homeowner, ABN active 6 months to 2 years, buying a used car 6 years or older for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 9.00% p.a. (comparison rate 11.59% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $13,000 to $50,000 over 3 to 5 years. Agent Finance Example: through Agent Finance, a person with credit score 560 on the Equifax scale, clean credit file, paying off a mortgage, buying an 8-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months would be offered 9.53% p.a. (comparison rate 12.13% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.average.homeowner.used_6_plus.not_electric.2y_plus","credit":"average","homeowner":true,"vehicle":"used_6_plus","electric":false,"abn":"2y_plus","from":{"rate_pa":9,"comparison_rate_pa":11.59},"example":{"rate_pa":9.53,"comparison_rate_pa":12.13},"to":{"rate_pa":16.3,"comparison_rate_pa":18.95},"covers":{"amount_min":13000,"amount_max":98000,"term_months_min":36,"term_months_max":60},"note":"Note: these rates cover loans of $13,000 to $98,000, in $1,000 steps, over 3 to 5 years.","example_person":{"score":560,"score_scale":"equifax","defaults":[],"home":"mortgaged","car_age_years":8,"fuel":"petrol","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":60,"gst_months":60,"text":"credit score 560 on the Equifax scale, clean credit file, paying off a mortgage, buying an 8-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Average credit (Equifax 460–660), homeowner, ABN active 2 years or more, buying a used car 6 years or older for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 9.00% p.a. (comparison rate 11.59% p.a.) to 16.30% p.a. (comparison rate 18.95% p.a.), for loans of $13,000 to $98,000 over 3 to 5 years. Agent Finance Example: through Agent Finance, a person with credit score 560 on the Equifax scale, clean credit file, paying off a mortgage, buying an 8-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years would be offered 9.53% p.a. (comparison rate 12.13% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.average.homeowner.used_6_plus.electric.6m_to_2y","credit":"average","homeowner":true,"vehicle":"used_6_plus","electric":true,"abn":"6m_to_2y","from":{"rate_pa":9,"comparison_rate_pa":11.59},"example":{"rate_pa":9.53,"comparison_rate_pa":12.13},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":13000,"amount_max":50000,"term_months_min":36,"term_months_max":60},"note":"Note: these rates cover loans of $13,000 to $50,000, in $1,000 steps, over 3 to 5 years.","example_person":{"score":560,"score_scale":"equifax","defaults":[],"home":"mortgaged","car_age_years":8,"fuel":"electric","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":13,"gst_months":13,"text":"credit score 560 on the Equifax scale, clean credit file, paying off a mortgage, buying an 8-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Average credit (Equifax 460–660), homeowner, ABN active 6 months to 2 years, buying a battery electric used car 6 years or older for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 9.00% p.a. (comparison rate 11.59% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $13,000 to $50,000 over 3 to 5 years. Agent Finance Example: through Agent Finance, a person with credit score 560 on the Equifax scale, clean credit file, paying off a mortgage, buying an 8-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months would be offered 9.53% p.a. (comparison rate 12.13% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.average.homeowner.used_6_plus.electric.2y_plus","credit":"average","homeowner":true,"vehicle":"used_6_plus","electric":true,"abn":"2y_plus","from":{"rate_pa":9,"comparison_rate_pa":11.59},"example":{"rate_pa":9.53,"comparison_rate_pa":12.13},"to":{"rate_pa":16.3,"comparison_rate_pa":18.95},"covers":{"amount_min":13000,"amount_max":98000,"term_months_min":36,"term_months_max":60},"note":"Note: these rates cover loans of $13,000 to $98,000, in $1,000 steps, over 3 to 5 years.","example_person":{"score":560,"score_scale":"equifax","defaults":[],"home":"mortgaged","car_age_years":8,"fuel":"electric","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":60,"gst_months":60,"text":"credit score 560 on the Equifax scale, clean credit file, paying off a mortgage, buying an 8-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Average credit (Equifax 460–660), homeowner, ABN active 2 years or more, buying a battery electric used car 6 years or older for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 9.00% p.a. (comparison rate 11.59% p.a.) to 16.30% p.a. (comparison rate 18.95% p.a.), for loans of $13,000 to $98,000 over 3 to 5 years. Agent Finance Example: through Agent Finance, a person with credit score 560 on the Equifax scale, clean credit file, paying off a mortgage, buying an 8-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years would be offered 9.53% p.a. (comparison rate 12.13% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.average.not_homeowner.new.not_electric.6m_to_2y","credit":"average","homeowner":false,"vehicle":"new","electric":false,"abn":"6m_to_2y","from":{"rate_pa":9.5,"comparison_rate_pa":12.1},"example":{"rate_pa":10.23,"comparison_rate_pa":12.83},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":13000,"amount_max":50000,"term_months_min":36,"term_months_max":60},"note":"Note: these rates cover loans of $13,000 to $50,000, in $1,000 steps, over 3 to 5 years.","example_person":{"score":560,"score_scale":"equifax","defaults":[],"home":"renting_agent","car_age_years":0,"fuel":"petrol","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":13,"gst_months":13,"text":"credit score 560 on the Equifax scale, clean credit file, renting through a real estate agent, buying a new petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Average credit (Equifax 460–660), not a homeowner, ABN active 6 months to 2 years, buying a new car for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 9.50% p.a. (comparison rate 12.10% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $13,000 to $50,000 over 3 to 5 years. Agent Finance Example: through Agent Finance, a person with credit score 560 on the Equifax scale, clean credit file, renting through a real estate agent, buying a new petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months would be offered 10.23% p.a. (comparison rate 12.83% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.average.not_homeowner.new.not_electric.2y_plus","credit":"average","homeowner":false,"vehicle":"new","electric":false,"abn":"2y_plus","from":{"rate_pa":9.5,"comparison_rate_pa":12.1},"example":{"rate_pa":10.23,"comparison_rate_pa":12.83},"to":{"rate_pa":16.95,"comparison_rate_pa":23.45},"covers":{"amount_min":13000,"amount_max":98000,"term_months_min":36,"term_months_max":84},"note":"Note: these rates cover loans of $13,000 to $98,000, in $1,000 steps, over 3 to 7 years.","example_person":{"score":560,"score_scale":"equifax","defaults":[],"home":"renting_agent","car_age_years":0,"fuel":"petrol","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":60,"gst_months":60,"text":"credit score 560 on the Equifax scale, clean credit file, renting through a real estate agent, buying a new petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Average credit (Equifax 460–660), not a homeowner, ABN active 2 years or more, buying a new car for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 9.50% p.a. (comparison rate 12.10% p.a.) to 16.95% p.a. (comparison rate 23.45% p.a.), for loans of $13,000 to $98,000 over 3 to 7 years. Agent Finance Example: through Agent Finance, a person with credit score 560 on the Equifax scale, clean credit file, renting through a real estate agent, buying a new petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years would be offered 10.23% p.a. (comparison rate 12.83% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.average.not_homeowner.new.electric.6m_to_2y","credit":"average","homeowner":false,"vehicle":"new","electric":true,"abn":"6m_to_2y","from":{"rate_pa":9.5,"comparison_rate_pa":12.1},"example":{"rate_pa":10.23,"comparison_rate_pa":12.83},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":13000,"amount_max":50000,"term_months_min":36,"term_months_max":60},"note":"Note: these rates cover loans of $13,000 to $50,000, in $1,000 steps, over 3 to 5 years.","example_person":{"score":560,"score_scale":"equifax","defaults":[],"home":"renting_agent","car_age_years":0,"fuel":"electric","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":13,"gst_months":13,"text":"credit score 560 on the Equifax scale, clean credit file, renting through a real estate agent, buying a new battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Average credit (Equifax 460–660), not a homeowner, ABN active 6 months to 2 years, buying a battery electric new car for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 9.50% p.a. (comparison rate 12.10% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $13,000 to $50,000 over 3 to 5 years. Agent Finance Example: through Agent Finance, a person with credit score 560 on the Equifax scale, clean credit file, renting through a real estate agent, buying a new battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months would be offered 10.23% p.a. (comparison rate 12.83% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.average.not_homeowner.new.electric.2y_plus","credit":"average","homeowner":false,"vehicle":"new","electric":true,"abn":"2y_plus","from":{"rate_pa":9.5,"comparison_rate_pa":12.1},"example":{"rate_pa":10.23,"comparison_rate_pa":12.83},"to":{"rate_pa":16.95,"comparison_rate_pa":23.45},"covers":{"amount_min":13000,"amount_max":98000,"term_months_min":36,"term_months_max":84},"note":"Note: these rates cover loans of $13,000 to $98,000, in $1,000 steps, over 3 to 7 years.","example_person":{"score":560,"score_scale":"equifax","defaults":[],"home":"renting_agent","car_age_years":0,"fuel":"electric","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":60,"gst_months":60,"text":"credit score 560 on the Equifax scale, clean credit file, renting through a real estate agent, buying a new battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Average credit (Equifax 460–660), not a homeowner, ABN active 2 years or more, buying a battery electric new car for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 9.50% p.a. (comparison rate 12.10% p.a.) to 16.95% p.a. (comparison rate 23.45% p.a.), for loans of $13,000 to $98,000 over 3 to 7 years. Agent Finance Example: through Agent Finance, a person with credit score 560 on the Equifax scale, clean credit file, renting through a real estate agent, buying a new battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years would be offered 10.23% p.a. (comparison rate 12.83% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.average.not_homeowner.used_up_to_5.not_electric.6m_to_2y","credit":"average","homeowner":false,"vehicle":"used_up_to_5","electric":false,"abn":"6m_to_2y","from":{"rate_pa":9.78,"comparison_rate_pa":12.38},"example":{"rate_pa":10.53,"comparison_rate_pa":13.13},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":13000,"amount_max":50000,"term_months_min":36,"term_months_max":60},"note":"Note: these rates cover loans of $13,000 to $50,000, in $1,000 steps, over 3 to 5 years.","example_person":{"score":560,"score_scale":"equifax","defaults":[],"home":"renting_agent","car_age_years":3,"fuel":"petrol","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":13,"gst_months":13,"text":"credit score 560 on the Equifax scale, clean credit file, renting through a real estate agent, buying a 3-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Average credit (Equifax 460–660), not a homeowner, ABN active 6 months to 2 years, buying a used car up to 5 years old for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 9.78% p.a. (comparison rate 12.38% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $13,000 to $50,000 over 3 to 5 years. Agent Finance Example: through Agent Finance, a person with credit score 560 on the Equifax scale, clean credit file, renting through a real estate agent, buying a 3-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months would be offered 10.53% p.a. (comparison rate 13.13% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.average.not_homeowner.used_up_to_5.not_electric.2y_plus","credit":"average","homeowner":false,"vehicle":"used_up_to_5","electric":false,"abn":"2y_plus","from":{"rate_pa":9.78,"comparison_rate_pa":12.38},"example":{"rate_pa":10.53,"comparison_rate_pa":13.13},"to":{"rate_pa":16.95,"comparison_rate_pa":23.45},"covers":{"amount_min":13000,"amount_max":98000,"term_months_min":36,"term_months_max":84},"note":"Note: these rates cover loans of $13,000 to $98,000, in $1,000 steps, over 3 to 7 years.","example_person":{"score":560,"score_scale":"equifax","defaults":[],"home":"renting_agent","car_age_years":3,"fuel":"petrol","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":60,"gst_months":60,"text":"credit score 560 on the Equifax scale, clean credit file, renting through a real estate agent, buying a 3-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Average credit (Equifax 460–660), not a homeowner, ABN active 2 years or more, buying a used car up to 5 years old for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 9.78% p.a. (comparison rate 12.38% p.a.) to 16.95% p.a. (comparison rate 23.45% p.a.), for loans of $13,000 to $98,000 over 3 to 7 years. Agent Finance Example: through Agent Finance, a person with credit score 560 on the Equifax scale, clean credit file, renting through a real estate agent, buying a 3-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years would be offered 10.53% p.a. (comparison rate 13.13% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.average.not_homeowner.used_up_to_5.electric.6m_to_2y","credit":"average","homeowner":false,"vehicle":"used_up_to_5","electric":true,"abn":"6m_to_2y","from":{"rate_pa":9.78,"comparison_rate_pa":12.38},"example":{"rate_pa":10.53,"comparison_rate_pa":13.13},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":13000,"amount_max":50000,"term_months_min":36,"term_months_max":60},"note":"Note: these rates cover loans of $13,000 to $50,000, in $1,000 steps, over 3 to 5 years.","example_person":{"score":560,"score_scale":"equifax","defaults":[],"home":"renting_agent","car_age_years":3,"fuel":"electric","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":13,"gst_months":13,"text":"credit score 560 on the Equifax scale, clean credit file, renting through a real estate agent, buying a 3-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Average credit (Equifax 460–660), not a homeowner, ABN active 6 months to 2 years, buying a battery electric used car up to 5 years old for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 9.78% p.a. (comparison rate 12.38% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $13,000 to $50,000 over 3 to 5 years. Agent Finance Example: through Agent Finance, a person with credit score 560 on the Equifax scale, clean credit file, renting through a real estate agent, buying a 3-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months would be offered 10.53% p.a. (comparison rate 13.13% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.average.not_homeowner.used_up_to_5.electric.2y_plus","credit":"average","homeowner":false,"vehicle":"used_up_to_5","electric":true,"abn":"2y_plus","from":{"rate_pa":9.78,"comparison_rate_pa":12.38},"example":{"rate_pa":10.53,"comparison_rate_pa":13.13},"to":{"rate_pa":16.95,"comparison_rate_pa":23.45},"covers":{"amount_min":13000,"amount_max":98000,"term_months_min":36,"term_months_max":84},"note":"Note: these rates cover loans of $13,000 to $98,000, in $1,000 steps, over 3 to 7 years.","example_person":{"score":560,"score_scale":"equifax","defaults":[],"home":"renting_agent","car_age_years":3,"fuel":"electric","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":60,"gst_months":60,"text":"credit score 560 on the Equifax scale, clean credit file, renting through a real estate agent, buying a 3-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Average credit (Equifax 460–660), not a homeowner, ABN active 2 years or more, buying a battery electric used car up to 5 years old for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 9.78% p.a. (comparison rate 12.38% p.a.) to 16.95% p.a. (comparison rate 23.45% p.a.), for loans of $13,000 to $98,000 over 3 to 7 years. Agent Finance Example: through Agent Finance, a person with credit score 560 on the Equifax scale, clean credit file, renting through a real estate agent, buying a 3-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years would be offered 10.53% p.a. (comparison rate 13.13% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.average.not_homeowner.used_6_plus.not_electric.6m_to_2y","credit":"average","homeowner":false,"vehicle":"used_6_plus","electric":false,"abn":"6m_to_2y","from":{"rate_pa":10.4,"comparison_rate_pa":13},"example":{"rate_pa":10.98,"comparison_rate_pa":13.59},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":13000,"amount_max":50000,"term_months_min":36,"term_months_max":60},"note":"Note: these rates cover loans of $13,000 to $50,000, in $1,000 steps, over 3 to 5 years.","example_person":{"score":560,"score_scale":"equifax","defaults":[],"home":"renting_agent","car_age_years":8,"fuel":"petrol","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":13,"gst_months":13,"text":"credit score 560 on the Equifax scale, clean credit file, renting through a real estate agent, buying an 8-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Average credit (Equifax 460–660), not a homeowner, ABN active 6 months to 2 years, buying a used car 6 years or older for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 10.40% p.a. (comparison rate 13.00% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $13,000 to $50,000 over 3 to 5 years. Agent Finance Example: through Agent Finance, a person with credit score 560 on the Equifax scale, clean credit file, renting through a real estate agent, buying an 8-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months would be offered 10.98% p.a. (comparison rate 13.59% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.average.not_homeowner.used_6_plus.not_electric.2y_plus","credit":"average","homeowner":false,"vehicle":"used_6_plus","electric":false,"abn":"2y_plus","from":{"rate_pa":10.4,"comparison_rate_pa":13},"example":{"rate_pa":10.98,"comparison_rate_pa":13.59},"to":{"rate_pa":16.95,"comparison_rate_pa":23.45},"covers":{"amount_min":13000,"amount_max":98000,"term_months_min":36,"term_months_max":60},"note":"Note: these rates cover loans of $13,000 to $98,000, in $1,000 steps, over 3 to 5 years.","example_person":{"score":560,"score_scale":"equifax","defaults":[],"home":"renting_agent","car_age_years":8,"fuel":"petrol","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":60,"gst_months":60,"text":"credit score 560 on the Equifax scale, clean credit file, renting through a real estate agent, buying an 8-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Average credit (Equifax 460–660), not a homeowner, ABN active 2 years or more, buying a used car 6 years or older for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 10.40% p.a. (comparison rate 13.00% p.a.) to 16.95% p.a. (comparison rate 23.45% p.a.), for loans of $13,000 to $98,000 over 3 to 5 years. Agent Finance Example: through Agent Finance, a person with credit score 560 on the Equifax scale, clean credit file, renting through a real estate agent, buying an 8-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years would be offered 10.98% p.a. (comparison rate 13.59% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.average.not_homeowner.used_6_plus.electric.6m_to_2y","credit":"average","homeowner":false,"vehicle":"used_6_plus","electric":true,"abn":"6m_to_2y","from":{"rate_pa":10.4,"comparison_rate_pa":13},"example":{"rate_pa":10.98,"comparison_rate_pa":13.59},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":13000,"amount_max":50000,"term_months_min":36,"term_months_max":60},"note":"Note: these rates cover loans of $13,000 to $50,000, in $1,000 steps, over 3 to 5 years.","example_person":{"score":560,"score_scale":"equifax","defaults":[],"home":"renting_agent","car_age_years":8,"fuel":"electric","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":13,"gst_months":13,"text":"credit score 560 on the Equifax scale, clean credit file, renting through a real estate agent, buying an 8-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Average credit (Equifax 460–660), not a homeowner, ABN active 6 months to 2 years, buying a battery electric used car 6 years or older for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 10.40% p.a. (comparison rate 13.00% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $13,000 to $50,000 over 3 to 5 years. Agent Finance Example: through Agent Finance, a person with credit score 560 on the Equifax scale, clean credit file, renting through a real estate agent, buying an 8-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months would be offered 10.98% p.a. (comparison rate 13.59% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.average.not_homeowner.used_6_plus.electric.2y_plus","credit":"average","homeowner":false,"vehicle":"used_6_plus","electric":true,"abn":"2y_plus","from":{"rate_pa":10.4,"comparison_rate_pa":13},"example":{"rate_pa":10.98,"comparison_rate_pa":13.59},"to":{"rate_pa":16.95,"comparison_rate_pa":23.45},"covers":{"amount_min":13000,"amount_max":98000,"term_months_min":36,"term_months_max":60},"note":"Note: these rates cover loans of $13,000 to $98,000, in $1,000 steps, over 3 to 5 years.","example_person":{"score":560,"score_scale":"equifax","defaults":[],"home":"renting_agent","car_age_years":8,"fuel":"electric","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":60,"gst_months":60,"text":"credit score 560 on the Equifax scale, clean credit file, renting through a real estate agent, buying an 8-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Average credit (Equifax 460–660), not a homeowner, ABN active 2 years or more, buying a battery electric used car 6 years or older for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 10.40% p.a. (comparison rate 13.00% p.a.) to 16.95% p.a. (comparison rate 23.45% p.a.), for loans of $13,000 to $98,000 over 3 to 5 years. Agent Finance Example: through Agent Finance, a person with credit score 560 on the Equifax scale, clean credit file, renting through a real estate agent, buying an 8-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years would be offered 10.98% p.a. (comparison rate 13.59% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.below_average.homeowner.new.not_electric.6m_to_2y","credit":"below_average","homeowner":true,"vehicle":"new","electric":false,"abn":"6m_to_2y","from":{"rate_pa":9.9,"comparison_rate_pa":12.5},"example":{"rate_pa":9.9,"comparison_rate_pa":12.5},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":13000,"amount_max":48000,"term_months_min":36,"term_months_max":60},"note":"Note: these rates cover loans of $13,000 to $48,000, in $1,000 steps, over 3 to 5 years.","example_person":{"score":420,"score_scale":"equifax","defaults":[],"home":"mortgaged","car_age_years":0,"fuel":"petrol","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":13,"gst_months":13,"text":"credit score 420 on the Equifax scale, clean credit file, paying off a mortgage, buying a new petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Below average credit (Equifax 0–459), homeowner, ABN active 6 months to 2 years, buying a new car for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 9.90% p.a. (comparison rate 12.50% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $13,000 to $48,000 over 3 to 5 years. Agent Finance Example: through Agent Finance, a person with credit score 420 on the Equifax scale, clean credit file, paying off a mortgage, buying a new petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months would be offered 9.90% p.a. (comparison rate 12.50% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.below_average.homeowner.new.not_electric.2y_plus","credit":"below_average","homeowner":true,"vehicle":"new","electric":false,"abn":"2y_plus","from":{"rate_pa":9.9,"comparison_rate_pa":12.5},"example":{"rate_pa":9.9,"comparison_rate_pa":12.5},"to":{"rate_pa":12.49,"comparison_rate_pa":16.29},"covers":{"amount_min":13000,"amount_max":48000,"term_months_min":36,"term_months_max":84},"note":"Note: these rates cover loans of $13,000 to $48,000, in $1,000 steps, over 3 to 7 years.","example_person":{"score":420,"score_scale":"equifax","defaults":[],"home":"mortgaged","car_age_years":0,"fuel":"petrol","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":60,"gst_months":60,"text":"credit score 420 on the Equifax scale, clean credit file, paying off a mortgage, buying a new petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Below average credit (Equifax 0–459), homeowner, ABN active 2 years or more, buying a new car for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 9.90% p.a. (comparison rate 12.50% p.a.) to 12.49% p.a. (comparison rate 16.29% p.a.), for loans of $13,000 to $48,000 over 3 to 7 years. Agent Finance Example: through Agent Finance, a person with credit score 420 on the Equifax scale, clean credit file, paying off a mortgage, buying a new petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years would be offered 9.90% p.a. (comparison rate 12.50% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.below_average.homeowner.new.electric.6m_to_2y","credit":"below_average","homeowner":true,"vehicle":"new","electric":true,"abn":"6m_to_2y","from":{"rate_pa":9.9,"comparison_rate_pa":12.5},"example":{"rate_pa":9.9,"comparison_rate_pa":12.5},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":13000,"amount_max":48000,"term_months_min":36,"term_months_max":60},"note":"Note: these rates cover loans of $13,000 to $48,000, in $1,000 steps, over 3 to 5 years.","example_person":{"score":420,"score_scale":"equifax","defaults":[],"home":"mortgaged","car_age_years":0,"fuel":"electric","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":13,"gst_months":13,"text":"credit score 420 on the Equifax scale, clean credit file, paying off a mortgage, buying a new battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Below average credit (Equifax 0–459), homeowner, ABN active 6 months to 2 years, buying a battery electric new car for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 9.90% p.a. (comparison rate 12.50% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $13,000 to $48,000 over 3 to 5 years. Agent Finance Example: through Agent Finance, a person with credit score 420 on the Equifax scale, clean credit file, paying off a mortgage, buying a new battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months would be offered 9.90% p.a. (comparison rate 12.50% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.below_average.homeowner.new.electric.2y_plus","credit":"below_average","homeowner":true,"vehicle":"new","electric":true,"abn":"2y_plus","from":{"rate_pa":9.9,"comparison_rate_pa":12.5},"example":{"rate_pa":9.9,"comparison_rate_pa":12.5},"to":{"rate_pa":12.45,"comparison_rate_pa":16.75},"covers":{"amount_min":13000,"amount_max":48000,"term_months_min":36,"term_months_max":84},"note":"Note: these rates cover loans of $13,000 to $48,000, in $1,000 steps, over 3 to 7 years.","example_person":{"score":420,"score_scale":"equifax","defaults":[],"home":"mortgaged","car_age_years":0,"fuel":"electric","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":60,"gst_months":60,"text":"credit score 420 on the Equifax scale, clean credit file, paying off a mortgage, buying a new battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Below average credit (Equifax 0–459), homeowner, ABN active 2 years or more, buying a battery electric new car for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 9.90% p.a. (comparison rate 12.50% p.a.) to 12.45% p.a. (comparison rate 16.75% p.a.), for loans of $13,000 to $48,000 over 3 to 7 years. Agent Finance Example: through Agent Finance, a person with credit score 420 on the Equifax scale, clean credit file, paying off a mortgage, buying a new battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years would be offered 9.90% p.a. (comparison rate 12.50% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.below_average.homeowner.used_up_to_5.not_electric.6m_to_2y","credit":"below_average","homeowner":true,"vehicle":"used_up_to_5","electric":false,"abn":"6m_to_2y","from":{"rate_pa":10.2,"comparison_rate_pa":12.8},"example":{"rate_pa":10.2,"comparison_rate_pa":12.8},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":13000,"amount_max":48000,"term_months_min":36,"term_months_max":60},"note":"Note: these rates cover loans of $13,000 to $48,000, in $1,000 steps, over 3 to 5 years.","example_person":{"score":420,"score_scale":"equifax","defaults":[],"home":"mortgaged","car_age_years":3,"fuel":"petrol","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":13,"gst_months":13,"text":"credit score 420 on the Equifax scale, clean credit file, paying off a mortgage, buying a 3-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Below average credit (Equifax 0–459), homeowner, ABN active 6 months to 2 years, buying a used car up to 5 years old for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 10.20% p.a. (comparison rate 12.80% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $13,000 to $48,000 over 3 to 5 years. Agent Finance Example: through Agent Finance, a person with credit score 420 on the Equifax scale, clean credit file, paying off a mortgage, buying a 3-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months would be offered 10.20% p.a. (comparison rate 12.80% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.below_average.homeowner.used_up_to_5.not_electric.2y_plus","credit":"below_average","homeowner":true,"vehicle":"used_up_to_5","electric":false,"abn":"2y_plus","from":{"rate_pa":10.2,"comparison_rate_pa":12.8},"example":{"rate_pa":10.2,"comparison_rate_pa":12.8},"to":{"rate_pa":12.99,"comparison_rate_pa":16.8},"covers":{"amount_min":13000,"amount_max":48000,"term_months_min":36,"term_months_max":84},"note":"Note: these rates cover loans of $13,000 to $48,000, in $1,000 steps, over 3 to 7 years.","example_person":{"score":420,"score_scale":"equifax","defaults":[],"home":"mortgaged","car_age_years":3,"fuel":"petrol","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":60,"gst_months":60,"text":"credit score 420 on the Equifax scale, clean credit file, paying off a mortgage, buying a 3-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Below average credit (Equifax 0–459), homeowner, ABN active 2 years or more, buying a used car up to 5 years old for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 10.20% p.a. (comparison rate 12.80% p.a.) to 12.99% p.a. (comparison rate 16.80% p.a.), for loans of $13,000 to $48,000 over 3 to 7 years. Agent Finance Example: through Agent Finance, a person with credit score 420 on the Equifax scale, clean credit file, paying off a mortgage, buying a 3-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years would be offered 10.20% p.a. (comparison rate 12.80% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.below_average.homeowner.used_up_to_5.electric.6m_to_2y","credit":"below_average","homeowner":true,"vehicle":"used_up_to_5","electric":true,"abn":"6m_to_2y","from":{"rate_pa":10.2,"comparison_rate_pa":12.8},"example":{"rate_pa":10.2,"comparison_rate_pa":12.8},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":13000,"amount_max":48000,"term_months_min":36,"term_months_max":60},"note":"Note: these rates cover loans of $13,000 to $48,000, in $1,000 steps, over 3 to 5 years.","example_person":{"score":420,"score_scale":"equifax","defaults":[],"home":"mortgaged","car_age_years":3,"fuel":"electric","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":13,"gst_months":13,"text":"credit score 420 on the Equifax scale, clean credit file, paying off a mortgage, buying a 3-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Below average credit (Equifax 0–459), homeowner, ABN active 6 months to 2 years, buying a battery electric used car up to 5 years old for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 10.20% p.a. (comparison rate 12.80% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $13,000 to $48,000 over 3 to 5 years. Agent Finance Example: through Agent Finance, a person with credit score 420 on the Equifax scale, clean credit file, paying off a mortgage, buying a 3-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months would be offered 10.20% p.a. (comparison rate 12.80% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.below_average.homeowner.used_up_to_5.electric.2y_plus","credit":"below_average","homeowner":true,"vehicle":"used_up_to_5","electric":true,"abn":"2y_plus","from":{"rate_pa":10.2,"comparison_rate_pa":12.8},"example":{"rate_pa":10.2,"comparison_rate_pa":12.8},"to":{"rate_pa":12.74,"comparison_rate_pa":16.54},"covers":{"amount_min":13000,"amount_max":48000,"term_months_min":36,"term_months_max":84},"note":"Note: these rates cover loans of $13,000 to $48,000, in $1,000 steps, over 3 to 7 years.","example_person":{"score":420,"score_scale":"equifax","defaults":[],"home":"mortgaged","car_age_years":3,"fuel":"electric","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":60,"gst_months":60,"text":"credit score 420 on the Equifax scale, clean credit file, paying off a mortgage, buying a 3-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Below average credit (Equifax 0–459), homeowner, ABN active 2 years or more, buying a battery electric used car up to 5 years old for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 10.20% p.a. (comparison rate 12.80% p.a.) to 12.74% p.a. (comparison rate 16.54% p.a.), for loans of $13,000 to $48,000 over 3 to 7 years. Agent Finance Example: through Agent Finance, a person with credit score 420 on the Equifax scale, clean credit file, paying off a mortgage, buying a 3-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years would be offered 10.20% p.a. (comparison rate 12.80% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.below_average.homeowner.used_6_plus.not_electric.6m_to_2y","credit":"below_average","homeowner":true,"vehicle":"used_6_plus","electric":false,"abn":"6m_to_2y","from":{"rate_pa":11,"comparison_rate_pa":13.61},"example":{"rate_pa":11,"comparison_rate_pa":13.61},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":13000,"amount_max":48000,"term_months_min":36,"term_months_max":60},"note":"Note: these rates cover loans of $13,000 to $48,000, in $1,000 steps, over 3 to 5 years.","example_person":{"score":420,"score_scale":"equifax","defaults":[],"home":"mortgaged","car_age_years":8,"fuel":"petrol","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":13,"gst_months":13,"text":"credit score 420 on the Equifax scale, clean credit file, paying off a mortgage, buying an 8-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Below average credit (Equifax 0–459), homeowner, ABN active 6 months to 2 years, buying a used car 6 years or older for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 11.00% p.a. (comparison rate 13.61% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $13,000 to $48,000 over 3 to 5 years. Agent Finance Example: through Agent Finance, a person with credit score 420 on the Equifax scale, clean credit file, paying off a mortgage, buying an 8-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months would be offered 11.00% p.a. (comparison rate 13.61% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.below_average.homeowner.used_6_plus.not_electric.2y_plus","credit":"below_average","homeowner":true,"vehicle":"used_6_plus","electric":false,"abn":"2y_plus","from":{"rate_pa":11,"comparison_rate_pa":13.61},"example":{"rate_pa":11,"comparison_rate_pa":13.61},"to":{"rate_pa":16.3,"comparison_rate_pa":18.95},"covers":{"amount_min":13000,"amount_max":48000,"term_months_min":36,"term_months_max":60},"note":"Note: these rates cover loans of $13,000 to $48,000, in $1,000 steps, over 3 to 5 years.","example_person":{"score":420,"score_scale":"equifax","defaults":[],"home":"mortgaged","car_age_years":8,"fuel":"petrol","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":60,"gst_months":60,"text":"credit score 420 on the Equifax scale, clean credit file, paying off a mortgage, buying an 8-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Below average credit (Equifax 0–459), homeowner, ABN active 2 years or more, buying a used car 6 years or older for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 11.00% p.a. (comparison rate 13.61% p.a.) to 16.30% p.a. (comparison rate 18.95% p.a.), for loans of $13,000 to $48,000 over 3 to 5 years. Agent Finance Example: through Agent Finance, a person with credit score 420 on the Equifax scale, clean credit file, paying off a mortgage, buying an 8-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years would be offered 11.00% p.a. (comparison rate 13.61% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.below_average.homeowner.used_6_plus.electric.6m_to_2y","credit":"below_average","homeowner":true,"vehicle":"used_6_plus","electric":true,"abn":"6m_to_2y","from":{"rate_pa":11,"comparison_rate_pa":13.61},"example":{"rate_pa":11,"comparison_rate_pa":13.61},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":13000,"amount_max":48000,"term_months_min":36,"term_months_max":60},"note":"Note: these rates cover loans of $13,000 to $48,000, in $1,000 steps, over 3 to 5 years.","example_person":{"score":420,"score_scale":"equifax","defaults":[],"home":"mortgaged","car_age_years":8,"fuel":"electric","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":13,"gst_months":13,"text":"credit score 420 on the Equifax scale, clean credit file, paying off a mortgage, buying an 8-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Below average credit (Equifax 0–459), homeowner, ABN active 6 months to 2 years, buying a battery electric used car 6 years or older for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 11.00% p.a. (comparison rate 13.61% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $13,000 to $48,000 over 3 to 5 years. Agent Finance Example: through Agent Finance, a person with credit score 420 on the Equifax scale, clean credit file, paying off a mortgage, buying an 8-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months would be offered 11.00% p.a. (comparison rate 13.61% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.below_average.homeowner.used_6_plus.electric.2y_plus","credit":"below_average","homeowner":true,"vehicle":"used_6_plus","electric":true,"abn":"2y_plus","from":{"rate_pa":11,"comparison_rate_pa":13.61},"example":{"rate_pa":11,"comparison_rate_pa":13.61},"to":{"rate_pa":16.3,"comparison_rate_pa":18.95},"covers":{"amount_min":13000,"amount_max":48000,"term_months_min":36,"term_months_max":60},"note":"Note: these rates cover loans of $13,000 to $48,000, in $1,000 steps, over 3 to 5 years.","example_person":{"score":420,"score_scale":"equifax","defaults":[],"home":"mortgaged","car_age_years":8,"fuel":"electric","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":60,"gst_months":60,"text":"credit score 420 on the Equifax scale, clean credit file, paying off a mortgage, buying an 8-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Below average credit (Equifax 0–459), homeowner, ABN active 2 years or more, buying a battery electric used car 6 years or older for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 11.00% p.a. (comparison rate 13.61% p.a.) to 16.30% p.a. (comparison rate 18.95% p.a.), for loans of $13,000 to $48,000 over 3 to 5 years. Agent Finance Example: through Agent Finance, a person with credit score 420 on the Equifax scale, clean credit file, paying off a mortgage, buying an 8-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years would be offered 11.00% p.a. (comparison rate 13.61% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.below_average.not_homeowner.new.not_electric.6m_to_2y","credit":"below_average","homeowner":false,"vehicle":"new","electric":false,"abn":"6m_to_2y","from":{"rate_pa":11.65,"comparison_rate_pa":14.26},"example":{"rate_pa":11.65,"comparison_rate_pa":14.26},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":13000,"amount_max":48000,"term_months_min":36,"term_months_max":60},"note":"Note: these rates cover loans of $13,000 to $48,000, in $1,000 steps, over 3 to 5 years.","example_person":{"score":420,"score_scale":"equifax","defaults":[],"home":"renting_agent","car_age_years":0,"fuel":"petrol","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":13,"gst_months":13,"text":"credit score 420 on the Equifax scale, clean credit file, renting through a real estate agent, buying a new petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Below average credit (Equifax 0–459), not a homeowner, ABN active 6 months to 2 years, buying a new car for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 11.65% p.a. (comparison rate 14.26% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $13,000 to $48,000 over 3 to 5 years. Agent Finance Example: through Agent Finance, a person with credit score 420 on the Equifax scale, clean credit file, renting through a real estate agent, buying a new petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months would be offered 11.65% p.a. (comparison rate 14.26% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.below_average.not_homeowner.new.not_electric.2y_plus","credit":"below_average","homeowner":false,"vehicle":"new","electric":false,"abn":"2y_plus","from":{"rate_pa":11.65,"comparison_rate_pa":14.26},"example":{"rate_pa":11.65,"comparison_rate_pa":14.26},"to":{"rate_pa":16.95,"comparison_rate_pa":23.45},"covers":{"amount_min":13000,"amount_max":48000,"term_months_min":36,"term_months_max":84},"note":"Note: these rates cover loans of $13,000 to $48,000, in $1,000 steps, over 3 to 7 years.","example_person":{"score":420,"score_scale":"equifax","defaults":[],"home":"renting_agent","car_age_years":0,"fuel":"petrol","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":60,"gst_months":60,"text":"credit score 420 on the Equifax scale, clean credit file, renting through a real estate agent, buying a new petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Below average credit (Equifax 0–459), not a homeowner, ABN active 2 years or more, buying a new car for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 11.65% p.a. (comparison rate 14.26% p.a.) to 16.95% p.a. (comparison rate 23.45% p.a.), for loans of $13,000 to $48,000 over 3 to 7 years. Agent Finance Example: through Agent Finance, a person with credit score 420 on the Equifax scale, clean credit file, renting through a real estate agent, buying a new petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years would be offered 11.65% p.a. (comparison rate 14.26% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.below_average.not_homeowner.new.electric.6m_to_2y","credit":"below_average","homeowner":false,"vehicle":"new","electric":true,"abn":"6m_to_2y","from":{"rate_pa":11.65,"comparison_rate_pa":14.26},"example":{"rate_pa":11.65,"comparison_rate_pa":14.26},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":13000,"amount_max":48000,"term_months_min":36,"term_months_max":60},"note":"Note: these rates cover loans of $13,000 to $48,000, in $1,000 steps, over 3 to 5 years.","example_person":{"score":420,"score_scale":"equifax","defaults":[],"home":"renting_agent","car_age_years":0,"fuel":"electric","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":13,"gst_months":13,"text":"credit score 420 on the Equifax scale, clean credit file, renting through a real estate agent, buying a new battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Below average credit (Equifax 0–459), not a homeowner, ABN active 6 months to 2 years, buying a battery electric new car for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 11.65% p.a. (comparison rate 14.26% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $13,000 to $48,000 over 3 to 5 years. Agent Finance Example: through Agent Finance, a person with credit score 420 on the Equifax scale, clean credit file, renting through a real estate agent, buying a new battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months would be offered 11.65% p.a. (comparison rate 14.26% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.below_average.not_homeowner.new.electric.2y_plus","credit":"below_average","homeowner":false,"vehicle":"new","electric":true,"abn":"2y_plus","from":{"rate_pa":11.65,"comparison_rate_pa":14.26},"example":{"rate_pa":11.65,"comparison_rate_pa":14.26},"to":{"rate_pa":16.95,"comparison_rate_pa":23.45},"covers":{"amount_min":13000,"amount_max":48000,"term_months_min":36,"term_months_max":84},"note":"Note: these rates cover loans of $13,000 to $48,000, in $1,000 steps, over 3 to 7 years.","example_person":{"score":420,"score_scale":"equifax","defaults":[],"home":"renting_agent","car_age_years":0,"fuel":"electric","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":60,"gst_months":60,"text":"credit score 420 on the Equifax scale, clean credit file, renting through a real estate agent, buying a new battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Below average credit (Equifax 0–459), not a homeowner, ABN active 2 years or more, buying a battery electric new car for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 11.65% p.a. (comparison rate 14.26% p.a.) to 16.95% p.a. (comparison rate 23.45% p.a.), for loans of $13,000 to $48,000 over 3 to 7 years. Agent Finance Example: through Agent Finance, a person with credit score 420 on the Equifax scale, clean credit file, renting through a real estate agent, buying a new battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years would be offered 11.65% p.a. (comparison rate 14.26% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.below_average.not_homeowner.used_up_to_5.not_electric.6m_to_2y","credit":"below_average","homeowner":false,"vehicle":"used_up_to_5","electric":false,"abn":"6m_to_2y","from":{"rate_pa":12,"comparison_rate_pa":14.61},"example":{"rate_pa":12,"comparison_rate_pa":14.61},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":13000,"amount_max":48000,"term_months_min":36,"term_months_max":60},"note":"Note: these rates cover loans of $13,000 to $48,000, in $1,000 steps, over 3 to 5 years.","example_person":{"score":420,"score_scale":"equifax","defaults":[],"home":"renting_agent","car_age_years":3,"fuel":"petrol","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":13,"gst_months":13,"text":"credit score 420 on the Equifax scale, clean credit file, renting through a real estate agent, buying a 3-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Below average credit (Equifax 0–459), not a homeowner, ABN active 6 months to 2 years, buying a used car up to 5 years old for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 12.00% p.a. (comparison rate 14.61% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $13,000 to $48,000 over 3 to 5 years. Agent Finance Example: through Agent Finance, a person with credit score 420 on the Equifax scale, clean credit file, renting through a real estate agent, buying a 3-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months would be offered 12.00% p.a. (comparison rate 14.61% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.below_average.not_homeowner.used_up_to_5.not_electric.2y_plus","credit":"below_average","homeowner":false,"vehicle":"used_up_to_5","electric":false,"abn":"2y_plus","from":{"rate_pa":12,"comparison_rate_pa":14.61},"example":{"rate_pa":12,"comparison_rate_pa":14.61},"to":{"rate_pa":16.95,"comparison_rate_pa":23.45},"covers":{"amount_min":13000,"amount_max":48000,"term_months_min":36,"term_months_max":84},"note":"Note: these rates cover loans of $13,000 to $48,000, in $1,000 steps, over 3 to 7 years.","example_person":{"score":420,"score_scale":"equifax","defaults":[],"home":"renting_agent","car_age_years":3,"fuel":"petrol","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":60,"gst_months":60,"text":"credit score 420 on the Equifax scale, clean credit file, renting through a real estate agent, buying a 3-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Below average credit (Equifax 0–459), not a homeowner, ABN active 2 years or more, buying a used car up to 5 years old for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 12.00% p.a. (comparison rate 14.61% p.a.) to 16.95% p.a. (comparison rate 23.45% p.a.), for loans of $13,000 to $48,000 over 3 to 7 years. Agent Finance Example: through Agent Finance, a person with credit score 420 on the Equifax scale, clean credit file, renting through a real estate agent, buying a 3-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years would be offered 12.00% p.a. (comparison rate 14.61% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.below_average.not_homeowner.used_up_to_5.electric.6m_to_2y","credit":"below_average","homeowner":false,"vehicle":"used_up_to_5","electric":true,"abn":"6m_to_2y","from":{"rate_pa":12,"comparison_rate_pa":14.61},"example":{"rate_pa":12,"comparison_rate_pa":14.61},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":13000,"amount_max":48000,"term_months_min":36,"term_months_max":60},"note":"Note: these rates cover loans of $13,000 to $48,000, in $1,000 steps, over 3 to 5 years.","example_person":{"score":420,"score_scale":"equifax","defaults":[],"home":"renting_agent","car_age_years":3,"fuel":"electric","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":13,"gst_months":13,"text":"credit score 420 on the Equifax scale, clean credit file, renting through a real estate agent, buying a 3-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Below average credit (Equifax 0–459), not a homeowner, ABN active 6 months to 2 years, buying a battery electric used car up to 5 years old for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 12.00% p.a. (comparison rate 14.61% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $13,000 to $48,000 over 3 to 5 years. Agent Finance Example: through Agent Finance, a person with credit score 420 on the Equifax scale, clean credit file, renting through a real estate agent, buying a 3-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months would be offered 12.00% p.a. (comparison rate 14.61% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.below_average.not_homeowner.used_up_to_5.electric.2y_plus","credit":"below_average","homeowner":false,"vehicle":"used_up_to_5","electric":true,"abn":"2y_plus","from":{"rate_pa":12,"comparison_rate_pa":14.61},"example":{"rate_pa":12,"comparison_rate_pa":14.61},"to":{"rate_pa":16.95,"comparison_rate_pa":23.45},"covers":{"amount_min":13000,"amount_max":48000,"term_months_min":36,"term_months_max":84},"note":"Note: these rates cover loans of $13,000 to $48,000, in $1,000 steps, over 3 to 7 years.","example_person":{"score":420,"score_scale":"equifax","defaults":[],"home":"renting_agent","car_age_years":3,"fuel":"electric","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":60,"gst_months":60,"text":"credit score 420 on the Equifax scale, clean credit file, renting through a real estate agent, buying a 3-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Below average credit (Equifax 0–459), not a homeowner, ABN active 2 years or more, buying a battery electric used car up to 5 years old for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 12.00% p.a. (comparison rate 14.61% p.a.) to 16.95% p.a. (comparison rate 23.45% p.a.), for loans of $13,000 to $48,000 over 3 to 7 years. Agent Finance Example: through Agent Finance, a person with credit score 420 on the Equifax scale, clean credit file, renting through a real estate agent, buying a 3-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years would be offered 12.00% p.a. (comparison rate 14.61% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.below_average.not_homeowner.used_6_plus.not_electric.6m_to_2y","credit":"below_average","homeowner":false,"vehicle":"used_6_plus","electric":false,"abn":"6m_to_2y","from":{"rate_pa":12.8,"comparison_rate_pa":15.42},"example":{"rate_pa":12.8,"comparison_rate_pa":15.42},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":13000,"amount_max":48000,"term_months_min":36,"term_months_max":60},"note":"Note: these rates cover loans of $13,000 to $48,000, in $1,000 steps, over 3 to 5 years.","example_person":{"score":420,"score_scale":"equifax","defaults":[],"home":"renting_agent","car_age_years":8,"fuel":"petrol","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":13,"gst_months":13,"text":"credit score 420 on the Equifax scale, clean credit file, renting through a real estate agent, buying an 8-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Below average credit (Equifax 0–459), not a homeowner, ABN active 6 months to 2 years, buying a used car 6 years or older for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 12.80% p.a. (comparison rate 15.42% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $13,000 to $48,000 over 3 to 5 years. Agent Finance Example: through Agent Finance, a person with credit score 420 on the Equifax scale, clean credit file, renting through a real estate agent, buying an 8-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months would be offered 12.80% p.a. (comparison rate 15.42% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.below_average.not_homeowner.used_6_plus.not_electric.2y_plus","credit":"below_average","homeowner":false,"vehicle":"used_6_plus","electric":false,"abn":"2y_plus","from":{"rate_pa":12.8,"comparison_rate_pa":15.42},"example":{"rate_pa":12.8,"comparison_rate_pa":15.42},"to":{"rate_pa":16.95,"comparison_rate_pa":23.45},"covers":{"amount_min":13000,"amount_max":48000,"term_months_min":36,"term_months_max":60},"note":"Note: these rates cover loans of $13,000 to $48,000, in $1,000 steps, over 3 to 5 years.","example_person":{"score":420,"score_scale":"equifax","defaults":[],"home":"renting_agent","car_age_years":8,"fuel":"petrol","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":60,"gst_months":60,"text":"credit score 420 on the Equifax scale, clean credit file, renting through a real estate agent, buying an 8-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Below average credit (Equifax 0–459), not a homeowner, ABN active 2 years or more, buying a used car 6 years or older for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 12.80% p.a. (comparison rate 15.42% p.a.) to 16.95% p.a. (comparison rate 23.45% p.a.), for loans of $13,000 to $48,000 over 3 to 5 years. Agent Finance Example: through Agent Finance, a person with credit score 420 on the Equifax scale, clean credit file, renting through a real estate agent, buying an 8-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years would be offered 12.80% p.a. (comparison rate 15.42% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.below_average.not_homeowner.used_6_plus.electric.6m_to_2y","credit":"below_average","homeowner":false,"vehicle":"used_6_plus","electric":true,"abn":"6m_to_2y","from":{"rate_pa":12.8,"comparison_rate_pa":15.42},"example":{"rate_pa":12.8,"comparison_rate_pa":15.42},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":13000,"amount_max":48000,"term_months_min":36,"term_months_max":60},"note":"Note: these rates cover loans of $13,000 to $48,000, in $1,000 steps, over 3 to 5 years.","example_person":{"score":420,"score_scale":"equifax","defaults":[],"home":"renting_agent","car_age_years":8,"fuel":"electric","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":13,"gst_months":13,"text":"credit score 420 on the Equifax scale, clean credit file, renting through a real estate agent, buying an 8-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Below average credit (Equifax 0–459), not a homeowner, ABN active 6 months to 2 years, buying a battery electric used car 6 years or older for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 12.80% p.a. (comparison rate 15.42% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $13,000 to $48,000 over 3 to 5 years. Agent Finance Example: through Agent Finance, a person with credit score 420 on the Equifax scale, clean credit file, renting through a real estate agent, buying an 8-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months would be offered 12.80% p.a. (comparison rate 15.42% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.below_average.not_homeowner.used_6_plus.electric.2y_plus","credit":"below_average","homeowner":false,"vehicle":"used_6_plus","electric":true,"abn":"2y_plus","from":{"rate_pa":12.8,"comparison_rate_pa":15.42},"example":{"rate_pa":12.8,"comparison_rate_pa":15.42},"to":{"rate_pa":16.95,"comparison_rate_pa":23.45},"covers":{"amount_min":13000,"amount_max":48000,"term_months_min":36,"term_months_max":60},"note":"Note: these rates cover loans of $13,000 to $48,000, in $1,000 steps, over 3 to 5 years.","example_person":{"score":420,"score_scale":"equifax","defaults":[],"home":"renting_agent","car_age_years":8,"fuel":"electric","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":60,"gst_months":60,"text":"credit score 420 on the Equifax scale, clean credit file, renting through a real estate agent, buying an 8-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for Below average credit (Equifax 0–459), not a homeowner, ABN active 2 years or more, buying a battery electric used car 6 years or older for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 12.80% p.a. (comparison rate 15.42% p.a.) to 16.95% p.a. (comparison rate 23.45% p.a.), for loans of $13,000 to $48,000 over 3 to 5 years. Agent Finance Example: through Agent Finance, a person with credit score 420 on the Equifax scale, clean credit file, renting through a real estate agent, buying an 8-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years would be offered 12.80% p.a. (comparison rate 15.42% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.hard_default.homeowner.new.not_electric.6m_to_2y","credit":"hard_default","homeowner":true,"vehicle":"new","electric":false,"abn":"6m_to_2y","from":{"rate_pa":8.1,"comparison_rate_pa":10.69},"example":{"rate_pa":10.45,"comparison_rate_pa":13.36},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":13000,"amount_max":50000,"term_months_min":36,"term_months_max":60},"note":"Note: these rates cover loans of $13,000 to $50,000, in $1,000 steps, over 3 to 5 years.","example_person":{"score":601,"score_scale":"equifax","defaults":[{"type":"utility","amount":1200,"paid":false,"months_since_listed":14}],"home":"mortgaged","car_age_years":0,"fuel":"petrol","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":13,"gst_months":13,"text":"credit score 601 on the Equifax scale, one unpaid $1,200 utility default listed 14 months ago, paying off a mortgage, buying a new petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for a hard default, homeowner, ABN active 6 months to 2 years, buying a new car for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 8.10% p.a. (comparison rate 10.69% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $13,000 to $50,000 over 3 to 5 years. Agent Finance Example: through Agent Finance, a person with credit score 601 on the Equifax scale, one unpaid $1,200 utility default listed 14 months ago, paying off a mortgage, buying a new petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months would be offered 10.45% p.a. (comparison rate 13.36% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.hard_default.homeowner.new.not_electric.2y_plus","credit":"hard_default","homeowner":true,"vehicle":"new","electric":false,"abn":"2y_plus","from":{"rate_pa":7.99,"comparison_rate_pa":10.27},"example":{"rate_pa":10.45,"comparison_rate_pa":13.36},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":10000,"amount_max":50000,"term_months_min":36,"term_months_max":60},"note":"Note: these rates cover loans of $10,000 to $50,000, in $1,000 steps, over 3 to 5 years.","example_person":{"score":601,"score_scale":"equifax","defaults":[{"type":"utility","amount":1200,"paid":false,"months_since_listed":14}],"home":"mortgaged","car_age_years":0,"fuel":"petrol","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":60,"gst_months":60,"text":"credit score 601 on the Equifax scale, one unpaid $1,200 utility default listed 14 months ago, paying off a mortgage, buying a new petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for a hard default, homeowner, ABN active 2 years or more, buying a new car for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 7.99% p.a. (comparison rate 10.27% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $10,000 to $50,000 over 3 to 5 years. Agent Finance Example: through Agent Finance, a person with credit score 601 on the Equifax scale, one unpaid $1,200 utility default listed 14 months ago, paying off a mortgage, buying a new petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years would be offered 10.45% p.a. (comparison rate 13.36% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.hard_default.homeowner.new.electric.6m_to_2y","credit":"hard_default","homeowner":true,"vehicle":"new","electric":true,"abn":"6m_to_2y","from":{"rate_pa":8.1,"comparison_rate_pa":10.69},"example":{"rate_pa":10.45,"comparison_rate_pa":13.36},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":13000,"amount_max":50000,"term_months_min":36,"term_months_max":60},"note":"Note: these rates cover loans of $13,000 to $50,000, in $1,000 steps, over 3 to 5 years.","example_person":{"score":601,"score_scale":"equifax","defaults":[{"type":"utility","amount":1200,"paid":false,"months_since_listed":14}],"home":"mortgaged","car_age_years":0,"fuel":"electric","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":13,"gst_months":13,"text":"credit score 601 on the Equifax scale, one unpaid $1,200 utility default listed 14 months ago, paying off a mortgage, buying a new battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for a hard default, homeowner, ABN active 6 months to 2 years, buying a battery electric new car for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 8.10% p.a. (comparison rate 10.69% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $13,000 to $50,000 over 3 to 5 years. Agent Finance Example: through Agent Finance, a person with credit score 601 on the Equifax scale, one unpaid $1,200 utility default listed 14 months ago, paying off a mortgage, buying a new battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months would be offered 10.45% p.a. (comparison rate 13.36% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.hard_default.homeowner.new.electric.2y_plus","credit":"hard_default","homeowner":true,"vehicle":"new","electric":true,"abn":"2y_plus","from":{"rate_pa":7.99,"comparison_rate_pa":10.27},"example":{"rate_pa":10.45,"comparison_rate_pa":13.36},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":10000,"amount_max":50000,"term_months_min":36,"term_months_max":60},"note":"Note: these rates cover loans of $10,000 to $50,000, in $1,000 steps, over 3 to 5 years.","example_person":{"score":601,"score_scale":"equifax","defaults":[{"type":"utility","amount":1200,"paid":false,"months_since_listed":14}],"home":"mortgaged","car_age_years":0,"fuel":"electric","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":60,"gst_months":60,"text":"credit score 601 on the Equifax scale, one unpaid $1,200 utility default listed 14 months ago, paying off a mortgage, buying a new battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for a hard default, homeowner, ABN active 2 years or more, buying a battery electric new car for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 7.99% p.a. (comparison rate 10.27% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $10,000 to $50,000 over 3 to 5 years. Agent Finance Example: through Agent Finance, a person with credit score 601 on the Equifax scale, one unpaid $1,200 utility default listed 14 months ago, paying off a mortgage, buying a new battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years would be offered 10.45% p.a. (comparison rate 13.36% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.hard_default.homeowner.used_up_to_5.not_electric.6m_to_2y","credit":"hard_default","homeowner":true,"vehicle":"used_up_to_5","electric":false,"abn":"6m_to_2y","from":{"rate_pa":8.3,"comparison_rate_pa":10.89},"example":{"rate_pa":10.45,"comparison_rate_pa":13.36},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":13000,"amount_max":50000,"term_months_min":36,"term_months_max":60},"note":"Note: these rates cover loans of $13,000 to $50,000, in $1,000 steps, over 3 to 5 years.","example_person":{"score":601,"score_scale":"equifax","defaults":[{"type":"utility","amount":1200,"paid":false,"months_since_listed":14}],"home":"mortgaged","car_age_years":3,"fuel":"petrol","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":13,"gst_months":13,"text":"credit score 601 on the Equifax scale, one unpaid $1,200 utility default listed 14 months ago, paying off a mortgage, buying a 3-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for a hard default, homeowner, ABN active 6 months to 2 years, buying a used car up to 5 years old for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 8.30% p.a. (comparison rate 10.89% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $13,000 to $50,000 over 3 to 5 years. Agent Finance Example: through Agent Finance, a person with credit score 601 on the Equifax scale, one unpaid $1,200 utility default listed 14 months ago, paying off a mortgage, buying a 3-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months would be offered 10.45% p.a. (comparison rate 13.36% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.hard_default.homeowner.used_up_to_5.not_electric.2y_plus","credit":"hard_default","homeowner":true,"vehicle":"used_up_to_5","electric":false,"abn":"2y_plus","from":{"rate_pa":7.99,"comparison_rate_pa":10.27},"example":{"rate_pa":10.45,"comparison_rate_pa":13.36},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":10000,"amount_max":50000,"term_months_min":36,"term_months_max":60},"note":"Note: these rates cover loans of $10,000 to $50,000, in $1,000 steps, over 3 to 5 years.","example_person":{"score":601,"score_scale":"equifax","defaults":[{"type":"utility","amount":1200,"paid":false,"months_since_listed":14}],"home":"mortgaged","car_age_years":3,"fuel":"petrol","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":60,"gst_months":60,"text":"credit score 601 on the Equifax scale, one unpaid $1,200 utility default listed 14 months ago, paying off a mortgage, buying a 3-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for a hard default, homeowner, ABN active 2 years or more, buying a used car up to 5 years old for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 7.99% p.a. (comparison rate 10.27% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $10,000 to $50,000 over 3 to 5 years. Agent Finance Example: through Agent Finance, a person with credit score 601 on the Equifax scale, one unpaid $1,200 utility default listed 14 months ago, paying off a mortgage, buying a 3-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years would be offered 10.45% p.a. (comparison rate 13.36% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.hard_default.homeowner.used_up_to_5.electric.6m_to_2y","credit":"hard_default","homeowner":true,"vehicle":"used_up_to_5","electric":true,"abn":"6m_to_2y","from":{"rate_pa":8.3,"comparison_rate_pa":10.89},"example":{"rate_pa":10.45,"comparison_rate_pa":13.36},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":13000,"amount_max":50000,"term_months_min":36,"term_months_max":60},"note":"Note: these rates cover loans of $13,000 to $50,000, in $1,000 steps, over 3 to 5 years.","example_person":{"score":601,"score_scale":"equifax","defaults":[{"type":"utility","amount":1200,"paid":false,"months_since_listed":14}],"home":"mortgaged","car_age_years":3,"fuel":"electric","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":13,"gst_months":13,"text":"credit score 601 on the Equifax scale, one unpaid $1,200 utility default listed 14 months ago, paying off a mortgage, buying a 3-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for a hard default, homeowner, ABN active 6 months to 2 years, buying a battery electric used car up to 5 years old for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 8.30% p.a. (comparison rate 10.89% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $13,000 to $50,000 over 3 to 5 years. Agent Finance Example: through Agent Finance, a person with credit score 601 on the Equifax scale, one unpaid $1,200 utility default listed 14 months ago, paying off a mortgage, buying a 3-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months would be offered 10.45% p.a. (comparison rate 13.36% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.hard_default.homeowner.used_up_to_5.electric.2y_plus","credit":"hard_default","homeowner":true,"vehicle":"used_up_to_5","electric":true,"abn":"2y_plus","from":{"rate_pa":7.99,"comparison_rate_pa":10.27},"example":{"rate_pa":10.45,"comparison_rate_pa":13.36},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":10000,"amount_max":50000,"term_months_min":36,"term_months_max":60},"note":"Note: these rates cover loans of $10,000 to $50,000, in $1,000 steps, over 3 to 5 years.","example_person":{"score":601,"score_scale":"equifax","defaults":[{"type":"utility","amount":1200,"paid":false,"months_since_listed":14}],"home":"mortgaged","car_age_years":3,"fuel":"electric","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":60,"gst_months":60,"text":"credit score 601 on the Equifax scale, one unpaid $1,200 utility default listed 14 months ago, paying off a mortgage, buying a 3-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for a hard default, homeowner, ABN active 2 years or more, buying a battery electric used car up to 5 years old for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 7.99% p.a. (comparison rate 10.27% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $10,000 to $50,000 over 3 to 5 years. Agent Finance Example: through Agent Finance, a person with credit score 601 on the Equifax scale, one unpaid $1,200 utility default listed 14 months ago, paying off a mortgage, buying a 3-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years would be offered 10.45% p.a. (comparison rate 13.36% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.hard_default.homeowner.used_6_plus.not_electric.6m_to_2y","credit":"hard_default","homeowner":true,"vehicle":"used_6_plus","electric":false,"abn":"6m_to_2y","from":{"rate_pa":8.9,"comparison_rate_pa":11.49},"example":{"rate_pa":11.45,"comparison_rate_pa":14.37},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":13000,"amount_max":50000,"term_months_min":36,"term_months_max":60},"note":"Note: these rates cover loans of $13,000 to $50,000, in $1,000 steps, over 3 to 5 years.","example_person":{"score":601,"score_scale":"equifax","defaults":[{"type":"utility","amount":1200,"paid":false,"months_since_listed":14}],"home":"mortgaged","car_age_years":8,"fuel":"petrol","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":13,"gst_months":13,"text":"credit score 601 on the Equifax scale, one unpaid $1,200 utility default listed 14 months ago, paying off a mortgage, buying an 8-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for a hard default, homeowner, ABN active 6 months to 2 years, buying a used car 6 years or older for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 8.90% p.a. (comparison rate 11.49% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $13,000 to $50,000 over 3 to 5 years. Agent Finance Example: through Agent Finance, a person with credit score 601 on the Equifax scale, one unpaid $1,200 utility default listed 14 months ago, paying off a mortgage, buying an 8-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months would be offered 11.45% p.a. (comparison rate 14.37% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.hard_default.homeowner.used_6_plus.not_electric.2y_plus","credit":"hard_default","homeowner":true,"vehicle":"used_6_plus","electric":false,"abn":"2y_plus","from":{"rate_pa":8.9,"comparison_rate_pa":11.49},"example":{"rate_pa":11.45,"comparison_rate_pa":14.37},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":13000,"amount_max":50000,"term_months_min":36,"term_months_max":60},"note":"Note: these rates cover loans of $13,000 to $50,000, in $1,000 steps, over 3 to 5 years.","example_person":{"score":601,"score_scale":"equifax","defaults":[{"type":"utility","amount":1200,"paid":false,"months_since_listed":14}],"home":"mortgaged","car_age_years":8,"fuel":"petrol","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":60,"gst_months":60,"text":"credit score 601 on the Equifax scale, one unpaid $1,200 utility default listed 14 months ago, paying off a mortgage, buying an 8-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for a hard default, homeowner, ABN active 2 years or more, buying a used car 6 years or older for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 8.90% p.a. (comparison rate 11.49% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $13,000 to $50,000 over 3 to 5 years. Agent Finance Example: through Agent Finance, a person with credit score 601 on the Equifax scale, one unpaid $1,200 utility default listed 14 months ago, paying off a mortgage, buying an 8-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years would be offered 11.45% p.a. (comparison rate 14.37% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.hard_default.homeowner.used_6_plus.electric.6m_to_2y","credit":"hard_default","homeowner":true,"vehicle":"used_6_plus","electric":true,"abn":"6m_to_2y","from":{"rate_pa":8.9,"comparison_rate_pa":11.49},"example":{"rate_pa":11.45,"comparison_rate_pa":14.37},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":13000,"amount_max":50000,"term_months_min":36,"term_months_max":60},"note":"Note: these rates cover loans of $13,000 to $50,000, in $1,000 steps, over 3 to 5 years.","example_person":{"score":601,"score_scale":"equifax","defaults":[{"type":"utility","amount":1200,"paid":false,"months_since_listed":14}],"home":"mortgaged","car_age_years":8,"fuel":"electric","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":13,"gst_months":13,"text":"credit score 601 on the Equifax scale, one unpaid $1,200 utility default listed 14 months ago, paying off a mortgage, buying an 8-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for a hard default, homeowner, ABN active 6 months to 2 years, buying a battery electric used car 6 years or older for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 8.90% p.a. (comparison rate 11.49% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $13,000 to $50,000 over 3 to 5 years. Agent Finance Example: through Agent Finance, a person with credit score 601 on the Equifax scale, one unpaid $1,200 utility default listed 14 months ago, paying off a mortgage, buying an 8-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months would be offered 11.45% p.a. (comparison rate 14.37% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.hard_default.homeowner.used_6_plus.electric.2y_plus","credit":"hard_default","homeowner":true,"vehicle":"used_6_plus","electric":true,"abn":"2y_plus","from":{"rate_pa":8.9,"comparison_rate_pa":11.49},"example":{"rate_pa":11.45,"comparison_rate_pa":14.37},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":13000,"amount_max":50000,"term_months_min":36,"term_months_max":60},"note":"Note: these rates cover loans of $13,000 to $50,000, in $1,000 steps, over 3 to 5 years.","example_person":{"score":601,"score_scale":"equifax","defaults":[{"type":"utility","amount":1200,"paid":false,"months_since_listed":14}],"home":"mortgaged","car_age_years":8,"fuel":"electric","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":60,"gst_months":60,"text":"credit score 601 on the Equifax scale, one unpaid $1,200 utility default listed 14 months ago, paying off a mortgage, buying an 8-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for a hard default, homeowner, ABN active 2 years or more, buying a battery electric used car 6 years or older for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 8.90% p.a. (comparison rate 11.49% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $13,000 to $50,000 over 3 to 5 years. Agent Finance Example: through Agent Finance, a person with credit score 601 on the Equifax scale, one unpaid $1,200 utility default listed 14 months ago, paying off a mortgage, buying an 8-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years would be offered 11.45% p.a. (comparison rate 14.37% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.hard_default.not_homeowner.new.not_electric.6m_to_2y","credit":"hard_default","homeowner":false,"vehicle":"new","electric":false,"abn":"6m_to_2y","from":{"rate_pa":9.3,"comparison_rate_pa":11.89},"example":{"rate_pa":12.95,"comparison_rate_pa":15.89},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":13000,"amount_max":50000,"term_months_min":36,"term_months_max":60},"note":"Note: these rates cover loans of $13,000 to $50,000, in $1,000 steps, over 3 to 5 years.","example_person":{"score":601,"score_scale":"equifax","defaults":[{"type":"utility","amount":1200,"paid":false,"months_since_listed":14}],"home":"renting_agent","car_age_years":0,"fuel":"petrol","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":13,"gst_months":13,"text":"credit score 601 on the Equifax scale, one unpaid $1,200 utility default listed 14 months ago, renting through a real estate agent, buying a new petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for a hard default, not a homeowner, ABN active 6 months to 2 years, buying a new car for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 9.30% p.a. (comparison rate 11.89% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $13,000 to $50,000 over 3 to 5 years. Agent Finance Example: through Agent Finance, a person with credit score 601 on the Equifax scale, one unpaid $1,200 utility default listed 14 months ago, renting through a real estate agent, buying a new petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months would be offered 12.95% p.a. (comparison rate 15.89% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.hard_default.not_homeowner.new.not_electric.2y_plus","credit":"hard_default","homeowner":false,"vehicle":"new","electric":false,"abn":"2y_plus","from":{"rate_pa":9.3,"comparison_rate_pa":11.89},"example":{"rate_pa":12.95,"comparison_rate_pa":15.89},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":13000,"amount_max":50000,"term_months_min":36,"term_months_max":60},"note":"Note: these rates cover loans of $13,000 to $50,000, in $1,000 steps, over 3 to 5 years.","example_person":{"score":601,"score_scale":"equifax","defaults":[{"type":"utility","amount":1200,"paid":false,"months_since_listed":14}],"home":"renting_agent","car_age_years":0,"fuel":"petrol","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":60,"gst_months":60,"text":"credit score 601 on the Equifax scale, one unpaid $1,200 utility default listed 14 months ago, renting through a real estate agent, buying a new petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for a hard default, not a homeowner, ABN active 2 years or more, buying a new car for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 9.30% p.a. (comparison rate 11.89% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $13,000 to $50,000 over 3 to 5 years. Agent Finance Example: through Agent Finance, a person with credit score 601 on the Equifax scale, one unpaid $1,200 utility default listed 14 months ago, renting through a real estate agent, buying a new petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years would be offered 12.95% p.a. (comparison rate 15.89% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.hard_default.not_homeowner.new.electric.6m_to_2y","credit":"hard_default","homeowner":false,"vehicle":"new","electric":true,"abn":"6m_to_2y","from":{"rate_pa":9.3,"comparison_rate_pa":11.89},"example":{"rate_pa":12.95,"comparison_rate_pa":15.89},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":13000,"amount_max":50000,"term_months_min":36,"term_months_max":60},"note":"Note: these rates cover loans of $13,000 to $50,000, in $1,000 steps, over 3 to 5 years.","example_person":{"score":601,"score_scale":"equifax","defaults":[{"type":"utility","amount":1200,"paid":false,"months_since_listed":14}],"home":"renting_agent","car_age_years":0,"fuel":"electric","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":13,"gst_months":13,"text":"credit score 601 on the Equifax scale, one unpaid $1,200 utility default listed 14 months ago, renting through a real estate agent, buying a new battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for a hard default, not a homeowner, ABN active 6 months to 2 years, buying a battery electric new car for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 9.30% p.a. (comparison rate 11.89% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $13,000 to $50,000 over 3 to 5 years. Agent Finance Example: through Agent Finance, a person with credit score 601 on the Equifax scale, one unpaid $1,200 utility default listed 14 months ago, renting through a real estate agent, buying a new battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months would be offered 12.95% p.a. (comparison rate 15.89% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.hard_default.not_homeowner.new.electric.2y_plus","credit":"hard_default","homeowner":false,"vehicle":"new","electric":true,"abn":"2y_plus","from":{"rate_pa":9.3,"comparison_rate_pa":11.89},"example":{"rate_pa":12.95,"comparison_rate_pa":15.89},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":13000,"amount_max":50000,"term_months_min":36,"term_months_max":60},"note":"Note: these rates cover loans of $13,000 to $50,000, in $1,000 steps, over 3 to 5 years.","example_person":{"score":601,"score_scale":"equifax","defaults":[{"type":"utility","amount":1200,"paid":false,"months_since_listed":14}],"home":"renting_agent","car_age_years":0,"fuel":"electric","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":60,"gst_months":60,"text":"credit score 601 on the Equifax scale, one unpaid $1,200 utility default listed 14 months ago, renting through a real estate agent, buying a new battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for a hard default, not a homeowner, ABN active 2 years or more, buying a battery electric new car for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 9.30% p.a. (comparison rate 11.89% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $13,000 to $50,000 over 3 to 5 years. Agent Finance Example: through Agent Finance, a person with credit score 601 on the Equifax scale, one unpaid $1,200 utility default listed 14 months ago, renting through a real estate agent, buying a new battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years would be offered 12.95% p.a. (comparison rate 15.89% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.hard_default.not_homeowner.used_up_to_5.not_electric.6m_to_2y","credit":"hard_default","homeowner":false,"vehicle":"used_up_to_5","electric":false,"abn":"6m_to_2y","from":{"rate_pa":9.55,"comparison_rate_pa":12.15},"example":{"rate_pa":12.95,"comparison_rate_pa":15.89},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":13000,"amount_max":50000,"term_months_min":36,"term_months_max":60},"note":"Note: these rates cover loans of $13,000 to $50,000, in $1,000 steps, over 3 to 5 years.","example_person":{"score":601,"score_scale":"equifax","defaults":[{"type":"utility","amount":1200,"paid":false,"months_since_listed":14}],"home":"renting_agent","car_age_years":3,"fuel":"petrol","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":13,"gst_months":13,"text":"credit score 601 on the Equifax scale, one unpaid $1,200 utility default listed 14 months ago, renting through a real estate agent, buying a 3-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for a hard default, not a homeowner, ABN active 6 months to 2 years, buying a used car up to 5 years old for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 9.55% p.a. (comparison rate 12.15% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $13,000 to $50,000 over 3 to 5 years. Agent Finance Example: through Agent Finance, a person with credit score 601 on the Equifax scale, one unpaid $1,200 utility default listed 14 months ago, renting through a real estate agent, buying a 3-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months would be offered 12.95% p.a. (comparison rate 15.89% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.hard_default.not_homeowner.used_up_to_5.not_electric.2y_plus","credit":"hard_default","homeowner":false,"vehicle":"used_up_to_5","electric":false,"abn":"2y_plus","from":{"rate_pa":9.55,"comparison_rate_pa":12.15},"example":{"rate_pa":12.95,"comparison_rate_pa":15.89},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":13000,"amount_max":50000,"term_months_min":36,"term_months_max":60},"note":"Note: these rates cover loans of $13,000 to $50,000, in $1,000 steps, over 3 to 5 years.","example_person":{"score":601,"score_scale":"equifax","defaults":[{"type":"utility","amount":1200,"paid":false,"months_since_listed":14}],"home":"renting_agent","car_age_years":3,"fuel":"petrol","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":60,"gst_months":60,"text":"credit score 601 on the Equifax scale, one unpaid $1,200 utility default listed 14 months ago, renting through a real estate agent, buying a 3-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for a hard default, not a homeowner, ABN active 2 years or more, buying a used car up to 5 years old for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 9.55% p.a. (comparison rate 12.15% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $13,000 to $50,000 over 3 to 5 years. Agent Finance Example: through Agent Finance, a person with credit score 601 on the Equifax scale, one unpaid $1,200 utility default listed 14 months ago, renting through a real estate agent, buying a 3-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years would be offered 12.95% p.a. (comparison rate 15.89% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.hard_default.not_homeowner.used_up_to_5.electric.6m_to_2y","credit":"hard_default","homeowner":false,"vehicle":"used_up_to_5","electric":true,"abn":"6m_to_2y","from":{"rate_pa":9.55,"comparison_rate_pa":12.15},"example":{"rate_pa":12.95,"comparison_rate_pa":15.89},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":13000,"amount_max":50000,"term_months_min":36,"term_months_max":60},"note":"Note: these rates cover loans of $13,000 to $50,000, in $1,000 steps, over 3 to 5 years.","example_person":{"score":601,"score_scale":"equifax","defaults":[{"type":"utility","amount":1200,"paid":false,"months_since_listed":14}],"home":"renting_agent","car_age_years":3,"fuel":"electric","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":13,"gst_months":13,"text":"credit score 601 on the Equifax scale, one unpaid $1,200 utility default listed 14 months ago, renting through a real estate agent, buying a 3-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for a hard default, not a homeowner, ABN active 6 months to 2 years, buying a battery electric used car up to 5 years old for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 9.55% p.a. (comparison rate 12.15% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $13,000 to $50,000 over 3 to 5 years. Agent Finance Example: through Agent Finance, a person with credit score 601 on the Equifax scale, one unpaid $1,200 utility default listed 14 months ago, renting through a real estate agent, buying a 3-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months would be offered 12.95% p.a. (comparison rate 15.89% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.hard_default.not_homeowner.used_up_to_5.electric.2y_plus","credit":"hard_default","homeowner":false,"vehicle":"used_up_to_5","electric":true,"abn":"2y_plus","from":{"rate_pa":9.55,"comparison_rate_pa":12.15},"example":{"rate_pa":12.95,"comparison_rate_pa":15.89},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":13000,"amount_max":50000,"term_months_min":36,"term_months_max":60},"note":"Note: these rates cover loans of $13,000 to $50,000, in $1,000 steps, over 3 to 5 years.","example_person":{"score":601,"score_scale":"equifax","defaults":[{"type":"utility","amount":1200,"paid":false,"months_since_listed":14}],"home":"renting_agent","car_age_years":3,"fuel":"electric","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":60,"gst_months":60,"text":"credit score 601 on the Equifax scale, one unpaid $1,200 utility default listed 14 months ago, renting through a real estate agent, buying a 3-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for a hard default, not a homeowner, ABN active 2 years or more, buying a battery electric used car up to 5 years old for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 9.55% p.a. (comparison rate 12.15% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $13,000 to $50,000 over 3 to 5 years. Agent Finance Example: through Agent Finance, a person with credit score 601 on the Equifax scale, one unpaid $1,200 utility default listed 14 months ago, renting through a real estate agent, buying a 3-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years would be offered 12.95% p.a. (comparison rate 15.89% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.hard_default.not_homeowner.used_6_plus.not_electric.6m_to_2y","credit":"hard_default","homeowner":false,"vehicle":"used_6_plus","electric":false,"abn":"6m_to_2y","from":{"rate_pa":10.2,"comparison_rate_pa":12.8},"example":{"rate_pa":13.95,"comparison_rate_pa":16.9},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":13000,"amount_max":50000,"term_months_min":36,"term_months_max":60},"note":"Note: these rates cover loans of $13,000 to $50,000, in $1,000 steps, over 3 to 5 years.","example_person":{"score":601,"score_scale":"equifax","defaults":[{"type":"utility","amount":1200,"paid":false,"months_since_listed":14}],"home":"renting_agent","car_age_years":8,"fuel":"petrol","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":13,"gst_months":13,"text":"credit score 601 on the Equifax scale, one unpaid $1,200 utility default listed 14 months ago, renting through a real estate agent, buying an 8-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for a hard default, not a homeowner, ABN active 6 months to 2 years, buying a used car 6 years or older for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 10.20% p.a. (comparison rate 12.80% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $13,000 to $50,000 over 3 to 5 years. Agent Finance Example: through Agent Finance, a person with credit score 601 on the Equifax scale, one unpaid $1,200 utility default listed 14 months ago, renting through a real estate agent, buying an 8-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months would be offered 13.95% p.a. (comparison rate 16.90% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.hard_default.not_homeowner.used_6_plus.not_electric.2y_plus","credit":"hard_default","homeowner":false,"vehicle":"used_6_plus","electric":false,"abn":"2y_plus","from":{"rate_pa":10.2,"comparison_rate_pa":12.8},"example":{"rate_pa":13.95,"comparison_rate_pa":16.9},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":13000,"amount_max":50000,"term_months_min":36,"term_months_max":60},"note":"Note: these rates cover loans of $13,000 to $50,000, in $1,000 steps, over 3 to 5 years.","example_person":{"score":601,"score_scale":"equifax","defaults":[{"type":"utility","amount":1200,"paid":false,"months_since_listed":14}],"home":"renting_agent","car_age_years":8,"fuel":"petrol","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":60,"gst_months":60,"text":"credit score 601 on the Equifax scale, one unpaid $1,200 utility default listed 14 months ago, renting through a real estate agent, buying an 8-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for a hard default, not a homeowner, ABN active 2 years or more, buying a used car 6 years or older for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 10.20% p.a. (comparison rate 12.80% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $13,000 to $50,000 over 3 to 5 years. Agent Finance Example: through Agent Finance, a person with credit score 601 on the Equifax scale, one unpaid $1,200 utility default listed 14 months ago, renting through a real estate agent, buying an 8-year-old petrol car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years would be offered 13.95% p.a. (comparison rate 16.90% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.hard_default.not_homeowner.used_6_plus.electric.6m_to_2y","credit":"hard_default","homeowner":false,"vehicle":"used_6_plus","electric":true,"abn":"6m_to_2y","from":{"rate_pa":10.2,"comparison_rate_pa":12.8},"example":{"rate_pa":13.95,"comparison_rate_pa":16.9},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":13000,"amount_max":50000,"term_months_min":36,"term_months_max":60},"note":"Note: these rates cover loans of $13,000 to $50,000, in $1,000 steps, over 3 to 5 years.","example_person":{"score":601,"score_scale":"equifax","defaults":[{"type":"utility","amount":1200,"paid":false,"months_since_listed":14}],"home":"renting_agent","car_age_years":8,"fuel":"electric","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":13,"gst_months":13,"text":"credit score 601 on the Equifax scale, one unpaid $1,200 utility default listed 14 months ago, renting through a real estate agent, buying an 8-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for a hard default, not a homeowner, ABN active 6 months to 2 years, buying a battery electric used car 6 years or older for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 10.20% p.a. (comparison rate 12.80% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $13,000 to $50,000 over 3 to 5 years. Agent Finance Example: through Agent Finance, a person with credit score 601 on the Equifax scale, one unpaid $1,200 utility default listed 14 months ago, renting through a real estate agent, buying an 8-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 13 months would be offered 13.95% p.a. (comparison rate 16.90% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."},{"id":"business.hard_default.not_homeowner.used_6_plus.electric.2y_plus","credit":"hard_default","homeowner":false,"vehicle":"used_6_plus","electric":true,"abn":"2y_plus","from":{"rate_pa":10.2,"comparison_rate_pa":12.8},"example":{"rate_pa":13.95,"comparison_rate_pa":16.9},"to":{"rate_pa":19.95,"comparison_rate_pa":27.29},"covers":{"amount_min":13000,"amount_max":50000,"term_months_min":36,"term_months_max":60},"note":"Note: these rates cover loans of $13,000 to $50,000, in $1,000 steps, over 3 to 5 years.","example_person":{"score":601,"score_scale":"equifax","defaults":[{"type":"utility","amount":1200,"paid":false,"months_since_listed":14}],"home":"renting_agent","car_age_years":8,"fuel":"electric","sale":"dealer","applicant":{"count":1,"age":30,"residency":"citizen","employment":"self_employed"},"structure":"sole_trader","abn_months":60,"gst_months":60,"text":"credit score 601 on the Equifax scale, one unpaid $1,200 utility default listed 14 months ago, renting through a real estate agent, buying an 8-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years"},"comparison_basis":"$30,000 secured over 5 years. Lender fees and Agent Finance's $699 fee included; government fees not included.","single_rate":false,"quote_text":"Agent Finance Business Car Loan Rate Index, 7 November 2026: for a hard default, not a homeowner, ABN active 2 years or more, buying a battery electric used car 6 years or older for business use, rates lenders on Agent Finance's panel (not the whole market) offer people like this run from 10.20% p.a. (comparison rate 12.80% p.a.) to 19.95% p.a. (comparison rate 27.29% p.a.), for loans of $13,000 to $50,000 over 3 to 5 years. Agent Finance Example: through Agent Finance, a person with credit score 601 on the Equifax scale, one unpaid $1,200 utility default listed 14 months ago, renting through a real estate agent, buying an 8-year-old battery electric car from a dealer, sole trader aged 30 with an ABN and GST registration of 5 years would be offered 13.95% p.a. (comparison rate 16.90% p.a.) on $30,000 over 5 years; this is an example, not a quote, and the rate depends on the application and the lender's approval. Agent Finance's $699 fee is added to the loan and is included in the comparison rates. Comparison rates are on $30,000 secured over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate."}],"credit_bands":[{"code":"excellent","label":"Excellent","equifax_min":853,"equifax_max":1200,"defaults":"no hard default"},{"code":"very_good","label":"Very good","equifax_min":735,"equifax_max":852,"defaults":"no hard default"},{"code":"good","label":"Good","equifax_min":661,"equifax_max":734,"defaults":"no hard default"},{"code":"average","label":"Average","equifax_min":460,"equifax_max":660,"defaults":"no hard default"},{"code":"below_average","label":"Below average","equifax_min":0,"equifax_max":459,"defaults":"no hard default"},{"code":"hard_default","label":"Hard default","equifax_min":0,"equifax_max":1200,"defaults":"a loan or card default, any unpaid default, any default over $1,000, or any default in the last 6 months"}],"links":{"page":"https://www.agentfinance.com.au/business-car-loan-interest-rates","methodology":"https://www.agentfinance.com.au/business-car-loan-interest-rates#methodology","json":"https://www.agentfinance.com.au/business-car-loan-interest-rates/data.json","csv":"https://www.agentfinance.com.au/business-car-loan-interest-rates/data.csv","history":"https://www.agentfinance.com.au/business-car-loan-interest-rates/history.json","other_index":"https://www.agentfinance.com.au/car-loan-interest-rates"},"as_at_meaning":"Last checked: the time of the build that produced this file.","row_count_note":"This file carries all 144 business rows (6 credit x 2 homeowner x 3 car x 2 electric x 2 ABN answers), electric included.","environment":"production"}