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Temporary visa holders · Business vehicle finance
Business car finance for temporary visa holders.
Need a car for Uber, DiDi, deliveries or your business? PLF is your broker. We check your visa, work and budget, explain the costs and help you apply where an option fits.
The vehicle must be used wholly or predominantly for genuine business purposes. An ABN alone does not establish eligibility.
Finance amountConfirmed with the lender
Loan termSubject to the available option
DepositConfirmed in your written quote
Business-purpose finance only. Eligibility, deposit and final terms are confirmed after assessment.
Where are you starting?
Start with your situation.
Your work, visa and budget help us check the right next step.
Starting a business
Starting with a new ABN? Ask which lenders, if any, accept your trading history. Prepare a realistic business plan and evidence of your ability to repay.
Moving from a rental
Compare the full cost of buying with your rental package, including insurance, maintenance and downtime.
Your visa subclass
500 Student · 010 Bridging A
Tell us your subclass so lender acceptance can be checked; finance is not assured.
We can also check 485, 820, 309, 482, 491, 494, 020 and 030 individually.
Finance eligibility and visa work rights are separate checks.
Visa conditions at a glance
- 500 StudentWork-hour limits apply.
- 010 / 020 / 030 BridgingWork rights depend on your individual grant.
- 485 Graduate · 820 / 309 PartnerFinance is assessed individually.
- 482 Skilled · 491 / 494 RegionalEmployer, occupation or regional conditions may apply.
Primary 482 and 494 holders may be restricted from independent rideshare work. Exceptions and individual conditions need checking. Check your work rights in VEVO before starting.
The finance at a glance
Know the basics before you enquire.
A practical starting point for eligible business vehicle purchases. Your quote confirms the terms for your circumstances.
Buying mainly for personal use?
See our general car loan guide for a different option.
See our general car loan guide for a different option.
Visa acceptance varies by lender and product. No subclass listed here establishes eligibility. Ask PLF to confirm whether an available lender accepts your visa and circumstances before applying.
- Finance amount
- Depends on the lender and assessment
- Available terms
- Confirm the available term and repayments
- Deposit
- Confirm the required amount in writing
- Business history
- Trading-history requirements vary
- Buying the vehicle
- Confirm acceptable seller and vehicle
- Repayments and fees
- Personalised written quote before you decide
General finance information reviewed 15 October 2026. No specific lender product or eligibility criteria are confirmed on this page. A short term can mean high repayments.
Check the vehicle before paying a deposit. Ask the lender to confirm acceptable vehicle age, type, seller and use before committing to a purchase. Uber and other platforms have separate, often stricter rules. Confirm the car, insurance and driver requirements for your location and work.
Plan the purchase
Your car budget, at a glance.
A budget planner only. It does not assess eligibility or quote repayments.
- Illustrative 20% of price
- —
- Price less your deposit
- —
- Estimated amount financed
- —
- Deposit + any separately paid fee
- —
Fee not included — no fee has been entered.
Enter a car price and deposit to see a planning estimate.
The 20% figure is an arithmetic illustration, not a lender deposit requirement or eligibility test. Confirm the actual deposit, amount, fees and term in writing. Registration, insurance and running costs are extra.
Talk to PLFYour next steps
Three steps. No obligation.
- Tell PLF about your plans.Leave your first name and an email or mobile number. We’ll discuss your plans when we get in touch.
- Understand the quote.PLF explains eligibility, the deposit, repayments, fees and total cost. You decide whether to proceed.
- Apply, if suitable.We help prepare the documents. The lender verifies the information and decides whether to approve the loan.
An enquiry is not a loan application or approval. There is no obligation to proceed.
Look beyond the weekly payment
Know what the car will really cost.
Budget for repayments, fuel, insurance, registration, servicing, platform charges and living costs. Leave room for repairs and quieter weeks.
- Separate the deposit, amount financed and fees.
- Compare total repayments over the same period.
- Check default charges and the payout balance if you need to stop driving.
See an illustrative purchase-budget example
For a $25,000 car, a $5,000 deposit leaves $20,000 to finance before fees.
- Car price
- $25,000
- Illustrative deposit
- $5,000
- Price less deposit
- $20,000 before fees
- Repayments and total cost
- Require a quoted rate, term and fees
Arithmetic illustration reviewed 15 October 2026, not a product quote, deposit requirement or offer. No interest rate, term or repayment amount is assumed. Adding a fee to the loan increases the amount financed and can increase repayment costs.
Potential fees to consider
Fees may apply depending on the finance option and your circumstances. PLF will explain the applicable fees and how they are paid before you proceed.
- Application or establishment
- A fee may apply to set up the loan.
- Account or payment fees
- Ongoing account administration or payment processing fees may apply.
- Late or missed payments
- Additional charges may apply if repayments are late or a debit is unsuccessful.
- Early payout
- Check whether fees or other costs apply if you repay early.
Ask for a written quote showing applicable fees, repayment amounts and the total amount payable.
Renting or buying?
Compare the whole arrangement.
Financing a car
- You repay the finance and meet ownership costs.
- Budget for maintenance, insurance and depreciation.
- Check the payout balance if you need to sell or stop driving.
Renting a car
- Your package may include some running costs.
- Check kilometre limits, excesses and cancellation fees.
- Consider the flexibility if your work or visa plans change.
Buying is not automatically cheaper. Any future resale value is uncertain and should allow for age, condition and kilometres.
A few practical questions
Before you choose a car.
Can a student visa holder get business car finance?
Ask PLF to check whether an available lender accepts your subclass and circumstances. A student visa does not establish finance eligibility. Your visa must allow the proposed work, and student work limits still apply.
Will asking for a quote affect my credit file?
Credit-check practices vary. Before requesting a lender quote or applying, ask whether that step involves a credit enquiry and what consent is required. A discussion with PLF is not loan approval.
Is this the same as a personal car loan?
This page concerns genuine business vehicle use. The actual purpose and structure of the credit determine whether consumer-credit rules apply; holding an ABN alone does not decide this. Ask which protections apply to the proposed agreement. For mainly personal use, ask about a personal car loan.
Can I use the car for Uber or deliveries?
Potentially, with suitable visa work rights, insurance and state authorisations. Check the platform’s current driver and vehicle requirements before paying a deposit. Finance approval does not confirm platform eligibility.
Do I need an ABN or GST registration?
Expect to provide an ABN and explain the business use. Passenger rideshare generally requires GST registration regardless of turnover; delivery-only rules differ. Check the ATO’s ride-sourcing guidance or ask your tax adviser.
How much deposit will I need?
There is no verified universal deposit requirement on this page. As arithmetic only, 20% of $25,000 is $5,000. Ask for the actual required deposit, amount financed and fees in writing before committing.
What if my visa expires during the loan?
Tell us your current expiry, work conditions and any pending applications. Ask the lender how these affect the available term. A possible future visa is not a guarantee of visa grant or finance approval.
Can I get finance if I have only just started?
Ask which lenders, if any, accept your current trading history. Explain your proposed work, realistic income, expenses and repayment plan. A newly registered ABN does not establish eligibility; supporting evidence may be required.
A broker you can speak to
Know who you’re speaking with.
David WarburtonRate Challenge · the business behind PLFAbout David and PLF →
David Warburton leads Rate Challenge, the business behind Personal Loan Finder. His background spans commercial banking and mortgage broking. PLF helps you understand the costs and prepare an application where an option fits.
PLF is your broker, not the lender. We do not cover the whole market. The lender makes the final decision, and relevant fees and remuneration are explained before you proceed.
Let’s find your next step.
Already driving, starting out or moving from a rental? Speak with PLF about your visa, your budget and the car you have in mind.