Benefits and features

You own the vehicle

This means to the extent the vehicle is used in your business, you may be entitled to claim GST as an input tax credit on your next BAS.

Your own tailored repayments

Every business is unique, so we work with you to ensure repayments are aligned with your anticipated cash flow and seasonality.

No deposit

No deposit to pay and security is the vehicle itself so your capital stays in your business1.

Tax deduction

Generally the interest you pay and the depreciation of the vehicle are tax deductible.

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What you need to know

Loan terms

  • Minimum term is one year.
  • Maximum term is five years.
  • Other terms can be considered on application.

Loan amount

  • Minimum amount is $10,000.
  • Maximum amount is unlimited.

Product name

  • Equipment loan.

Interest options

  • Agreement under $500,000 is fixed.
  • Agreement over $500,000 is fixed or floating.


  • Monthly, quarterly, half-yearly, annually, in arrears, in advance.
  • Seasonal - to suit your seasonal cash flow needs.

Security requirement

  • The asset is generally used as the security. In some cases extra security might be needed which will be assessed on application.

Calculate your repayments

Important information

1Generally, the security is the asset itself; though in certain circumstances additional security might be required – this will be assessed on application.

2Fee applies for standalone facilities and those drawn under a Master Asset Finance Agreement.

Lending criteria and terms and conditions apply (available on application).

The tax comments provided in this document are of a general nature. NAB recommends that you seek independent tax advice in respect of the tax consequences arising from the use of any NAB Equipment Finance solution as they apply to your particular circumstances.

Energy Efficient Bonus

0.7% p.a. off your finance rate for the life of the eligible financing on qualified energy efficient assets.

Vehicle and equipment finance basics

Vehicle and equipment finance is a smart tool to help your business run at its best.

Business tips

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