Own your vehicle from day one with flexible repayment options and full tax benefits.
🚗 Our Vehicle Financing Solutions
🚗 Our Vehicle Financing Solutions
Explore our full suite of business vehicle finance products — whether you're purchasing a single work ute or managing an entire commercial fleet, we have the right solution.
Explore our full suite of business vehicle finance products — whether you're purchasing a single work ute or managing an entire commercial fleet, we have the right solution.
Each option is designed to help you grow your business while protecting your cash flow and maximizing tax efficiency.
Each option is designed to help you grow your business while protecting your cash flow and maximizing tax efficiency.
🚛 Chattel Mortgage
$10k – $500k
Ideal for businesses that want immediate ownership of the vehicle while preserving cash flow.
Perfect for: Purchasing utes, vans, trucks, and specialty vehicles for long-term use.
Facility terms: 12 – 60 months
Interest and depreciation may be tax-deductible
Option to finance the full vehicle price including GST
Ownership from day one (secured against the vehicle)
🔄 Finance Lease
Access the vehicles you need without upfront capital and keep your options open at the end of term.
$5k - $750k
Your business leases the vehicle for a fixed period and returns it or buys it at residual value.
Perfect for: Businesses seeking use of a vehicle now with flexibility later.
Monthly payments are typically tax-deductible
Residual value options at end of term
Easier budgeting with fixed repayments
Keep working capital free for other uses
📝 Commercial Hire Purchase (CHP)
Flexible financing with automatic ownership after the final payment.
$10k – $500k
A structured pathway to vehicle ownership while spreading costs over time.
Perfect for: Businesses with stable cash flow wanting simple ownership structure.
Full ownership transferred at the end of term
Fixed monthly repayments
GST on the full vehicle price may be claimable upfront
No balloon payment (unless structured)
🚐 Fleet Vehicle Finance
Get funding for multiple vehicles at once, with scalable options and custom packages.
$50k – $2M+
Designed for businesses with growing or existing fleets of 3 or more vehicles.
Perfect for: Transport, trades, delivery, and logistics companies scaling operations.
Finance cars, vans, utes, or trucks in one agreement
Streamlined approvals and management
Option to include maintenance and insurance
Tax-efficient fleet leasing and reporting tools
Ready to Get Funded?
Ready to Get Funded?
Getting a Quote is FREE & Won't Impact Your Credit Score at this Stage
Why Choose Myfy
Why Choose Myfy
Finding the right financing shouldn’t be a hassle. At Myfy, we simplify the process—connecting you with the best loan options quickly and easily.
Finding the right financing shouldn’t be a hassle. At Myfy, we simplify the process—connecting you with the best loan options quickly and easily.
Expert Guidance You Can Trust
Expert Guidance You Can Trust
Our finance specialists have deep industry knowledge, ensuring you get expert advice tailored to your business needs.
Fast & Transparent Process
Fast & Transparent Process
We provide clear, upfront information—so you always know where you stand, with no hidden fees or surprises.
Australia’s Leading Lender Network
Australia’s Leading Lender Network
We partner with top lenders, giving you access to competitive rates and flexible financing solutions tailored to your goals.
Calculate Your Loan Repayments
Monthly Payment: $0.00
Total Payment: $0.00
Total Interest: $0.00
The Myfy Process
Easily find the best lender for your business.
Easily find the best lender for your business.
Find inspiration and motivation
Find inspiration and motivation
Step 1.
Complete Your Online Application:
Complete Your Online Application:
Confirm your details and apply on line in a matter of minutes. Fully online quote form takes less than a minute to fill in.
Step 2.
We'll Show You Your Matched Lenders
We'll Show You Your Matched Lenders
Get approval, Our lending partners often have an approval for you within the same day.
Step 3.
Get Funded
Get Funded
Once approved we arrange transfer of funds to your business bank or vendor.
What Our Happy Customers Have to Say
What Our Happy Customers Have to Say
Elevate Your Business Success with Trusted Support: Hear Some Stories from Our Clients
"Securing an unsecured business loan from Myfy was a game-changer for our growing e-commerce platform, EcoEssentials. The application process was seamless, and the flexibility it has offered us in managing inventory and expanding our product line has been invaluable. We've been able to take on new opportunities without the stress of immediate repayments, thanks to their 6-week no repayment period. A genuine boost for our business's cash flow when we needed it most!"
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Mia Wallace
Founder & CEO, EcoEssentials
"Myfy's line of credit came at a crucial time for our tech start-up, InnovateQ. The revolving credit facility has given us the confidence to scale up operations and invest in R&D without the constant worry of funding. Their competitive rates and flexible drawdown options meant we could tap into funds as needed, aligning perfectly with our project milestones. It's reassuring to have a financial partner that understands and supports the agile nature of our industry."
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Bridget Von Russen
Managing Director, InnovateQ
WHAT WE DO
WHAT WE DO
Tailored funding solutions for small businesses
Tailored funding solutions for small businesses
From hiring staff to purchasing inventory, marketing, GST payments, payroll tax payments, or debt consolidation, we can help finance a solution that works for your everyday business expenses.
Some of our Lending Partners
Some of our Lending Partners
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Secure Funds Right from Your Phone
Secure Funds Right from Your Phone
In under 30 seconds, connect with ideal lenders poised
to fuel your growth journey.
In under 30 seconds, connect with ideal lenders poised
to fuel your growth journey.
to fuel your growth journey.
Try Our Loan Matching Service
Try Our Loan Matching Service
Getting a Quote is FREE & Won't Impact Your Credit Score at this Stage
The Myfy Blog
Explore the Myfy Blog
Explore the Myfy Blog
Stay informed, empowered, and inspired with our expert insights, tips, and guidance. Whether you're looking to grow your business, navigate financial challenges, or discover new opportunities, the Myfy Blog is your go-to resource.
Not all business loans are created equal. Discover tailored loan solutions that best fit your industry and business goals with this detailed guide.
Avoid these common pitfalls when applying for a business loan. This guide helps you prepare better, increase approval chances, and secure the best terms.
Your credit score plays a crucial role in securing the best financing options for your business. Learn how it works, what impacts it, and tips to improve your score.
Your Questions, Answered
Your Questions, Answered
Find quick answers to the most common questions about Myfy's loan products and services
Find quick answers to the most common questions about Myfy's loan products and services
Myfy offers Small Business Loans, Business Line of Credit, Equipment Finance, and Vehicle Finance.
You complete a simple online application, upload your documents, and receive approval within 24 hours.
You'll need 6 months of bank statements, your ABN/ACN, and valid identification.
The minimum loan amount is $10,000.
Yes, Myfy allows early repayments without additional penalties.
A Business Line of Credit provides flexible access to funds, where you only pay interest on the amount you use.
Myfy supports industries including retail, construction, healthcare, professional services, and more.
Repayment terms range from 3 to 60 months for most loans, and up to 25 years for Commercial Property Finance.
If you miss a repayment, please contact Myfy immediately to discuss options and avoid additional fees.
You can apply online by filling out a short application form on the Myfy website.
How to Qualify?
Business Loan Options Tailored to Your Needs
Business Loan Options Tailored to Your Needs
At MyFy, we offer a range of business loan solutions to help you access the funding you need—fast, easy, and with flexible approval criteria. No matter your business size, industry, or credit history, we have options designed to work for you.
At MyFy, we offer a range of business loan solutions to help you access the funding you need—fast, easy, and with flexible approval criteria. No matter your business size, industry, or credit history, we have options designed to work for you.
Explore our loan products below and see what you may qualify for:
Explore our loan products below and see what you may qualify for:
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🚀 Unsecured Business Loans – Fast Funding Without Collateral
🚀 Unsecured Business Loans – Fast Funding Without Collateral
Flexible funding for everyday business needs
Qualifying Criteria:
✔ Minimum 6 months in business
✔ Minimum $5,000 in monthly revenue
✔ No asset security required (for loans up to $150,000)
✔ Suitable for startups, growing businesses, and cash flow management
✔ Options available for businesses with less-than-perfect credit
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💳 Business Line of Credit
💳 Business Line of Credit
On-demand funds when you need them
Qualifying Criteria:
✔ Minimum 6 months in business
✔ Minimum $5,000 in monthly revenue
✔ Credit score flexibility – higher limits for stronger financials
✔ Ideal for businesses with seasonal cash flow fluctuations
✔ Available for sole traders, partnerships, and companies
Qualifying Criteria:
✔ Minimum 6 months in business
✔ Minimum $5,000 in monthly revenue
✔ Credit score flexibility – higher limits for stronger financials
✔ Ideal for businesses with seasonal cash flow fluctuations
✔ Available for sole traders, partnerships, and companies
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🚚 Truck, Bus, & Car Finance
🚚 Truck, Bus, & Car Finance
Finance commercial vehicles with ease
Qualifying Criteria:
✔ Business registered for at least 6 months
✔ Minimum $7,000 in monthly revenue
✔ Vehicle must be for business use (cars, trucks, vans, buses)
✔ Flexible credit requirements—options available for bad credit or self-employed applicants
✔ No deposit required in most cases
Qualifying Criteria:
✔ Business registered for at least 6 months
✔ Minimum $7,000 in monthly revenue
✔ Vehicle must be for business use (cars, trucks, vans, buses)
✔ Flexible credit requirements—options available for bad credit or self-employed applicants
✔ No deposit required in most cases
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🛠️ Equipment Finance
🛠️ Equipment Finance
Secure funding for essential business equipment
Qualifying Criteria:
✔ Business operating for at least 6 months
✔ Minimum $5,000 in monthly revenue
✔ No upfront deposit required in many cases
✔ Available for both new and used equipment purchases
✔ Asset-backed loans available for larger equipment purchases
Qualifying Criteria:
✔ Business operating for at least 6 months
✔ Minimum $5,000 in monthly revenue
✔ No upfront deposit required in many cases
✔ Available for both new and used equipment purchases
✔ Asset-backed loans available for larger equipment purchases
Why Choose MyFy?
Why Choose MyFy?
✅ Fast Approvals – Pre-approvals in minutes, funding in as little as 24 hours
✅ Flexible Requirements – We work with startups, growing businesses, and businesses with credit challenges
✅ Competitive Rates – Access to 75+ lenders to find the best deal
✅ No Hidden Fees – Transparent terms, no surprises
✅ Flexible Requirements – We work with startups, growing businesses, and businesses with credit challenges
✅ Competitive Rates – Access to 75+ lenders to find the best deal
✅ No Hidden Fees – Transparent terms, no surprises
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Let us help you grow
Let us help you grow
Unlock Your Business's Full Potential with Myfy: Our Expert Team Provides Tailored Financial Solutions to Fuel Your Growth and Drive Success.
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Need Funding?
Need Funding?
Lets Talk
Lets Talk
Lets Get Social. Connect with us on your favourite Platform
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*Pricing, eligibility and approval is subject to standard credit assessment and not all amounts, term lengths or rates will be available to all applicants. Fees, terms and conditions apply.