What is personal asset finance?

Personal asset finance is a loan used to purchase a personal-use asset such as a car, boat, jet ski, caravan or recreational vehicle. Rather than paying the full purchase price upfront, you finance the asset over a set term with regular repayments. At Finch Financial, we compare options across 40+ lenders to find the most competitive rate and structure for your purchase.

Can I get asset finance if I’m self-employed?

Yes. We work with lenders who specialise in lending to the self-employed, including low-doc and alt-doc options that don’t require traditional payslips or full tax returns. In many cases, as little as 12 months of bank statements can be sufficient to support an application.

What’s the difference between asset finance and a personal loan?

Both can be used to purchase a vehicle or lifestyle asset, but they work differently. Asset finance uses the asset itself as security, which typically means lower interest rates. A personal loan is usually unsecured and may carry a higher rate. We’ll compare both options and recommend the most suitable structure for your situation.

How long does asset finance approval take?

With the right documentation, many asset finance applications are approved within 24–48 hours. Low-doc applications may take slightly longer depending on the lender. Our team manages the process from start to finish to keep things moving as quickly as possible.

How much can I borrow for asset finance?

Borrowing amounts vary by lender, asset type and your financial situation. For personal asset finance, amounts typically range from $5,000 to $150,000 or more for prestige vehicles and luxury assets. We’ll assess your situation and match you with a lender whose criteria fits your borrowing needs.

Finch Asset Finance. Your Flexible Asset Finance Broker.

Asset Finance Brokers in Hurstville Sydney

Looking for asset finance? We handle both personal and business financing for new cars, trucks, equipment, and more. Need some fun? We finance boats, jet skis, luxury vehicles, and more. Find your perfect solution with us!

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Finch Asset Finance helps to fund the purchase of jet skis

Finch Asset Finance helps to fund the purchase of motor homes

Business Finance - Couple of a Luxury Boat

Life’s Better on the Water. Or in the Driver’s Seat.

Personal Asset Finance | Cars, Boats, Jet Skis & Lifestyle Vehicles

Are you dreaming of a new boat, jet ski, caravan, or prestige car?

Finch Financial can arrange personal asset finance to make it happen. As specialist asset finance brokers based in Hurstville, we work with 40+ lenders to find you competitive rates on lifestyle and vehicle finance across Sydney and NSW.

Assets that can be financed:

Cars, utes and 4WDs (new and used)
Luxury and prestige car finance
Boat finance and marine vessels
Jet ski finance and personal watercraft
Caravans and motorhomes
Recreational vehicles

small motor boats can be finances with personal asset finance

Whether you’re self-employed, need a low-doc solution, or simply want someone in your corner to negotiate the best deal, our team makes personal asset finance straightforward.

We compare options across our full lender panel and handle everything from application through to approval.

Talk to our team

Finch Financial offers equipment finance for machinery

Got Equipment to Finance?

Business Asset & Equipment Finance

Need finance for business equipment, machinery or commercial vehicles?
Finch Financial arranges asset and equipment finance for businesses across Sydney and NSW, from small operators through to larger commercial fleets.

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Why Go Direct to a Bank When You Don’t Have To?

Why Use an Asset Finance Broker?

Going direct to your bank for asset finance means you’re limited to one lender’s products, rates and criteria.

We work across a panel of 40+ lenders, including banks, credit unions and specialist financiers, to find the most competitive rate and structure for your specific situation.

We manage the application, negotiate the terms, and handle the paperwork. You get better options with less effort.

We’ve Helped All Kinds of Buyers Get Across the Line.

Who We Help

Finch Financial arranges personal asset finance for a wide range of clients across Sydney and NSW, including:

Employees buying a new or used vehicle
Self-employed individuals looking for low-doc car or lifestyle finance
First-time buyers financing a boat, jet ski or caravan
Buyers of luxury or prestige vehicles who need specialist finance
Anyone looking to refinance an existing asset loan at a better rate

We Work With All Kinds of Financial Situations.

Flexible & Low Doc Asset Finance Options

Not all asset finance situations are straightforward, and that’s fine.

At Finch Financial, we support clients across all income verification types, including full doc, alt doc and low doc options.

Whether you’re self-employed, a contractor, or simply don’t have traditional payslips, we work with specialist lenders who understand your situation and can find a competitive solution.

One Broker. 40+ Lenders. Better Outcomes.

Access 40+ Lenders For Your Asset Finance

With a panel of 40+ lenders, we’re not tied to one bank’s products or rates. We compare options across major banks, credit unions and specialist asset finance lenders to match you with the most competitive deal for your specific asset and financial situation.

Unlike going direct to a bank, you get choice and an experienced broker in your corner.

With access to over 40+ lenders, our promise is to match you with the lender that best suits your needs

“Not having to deal directly with the banks makes a massive difference!”

Highly, highly, highly recommend Julian and the team at Finch Financial. Getting a loan is always a stressful time but Julian made the process much easier for us - not having to deal directly with the banks makes a massive difference! The team were in touch with us daily to update us on the status of our loan.

- Alison Lovat, Sydney NSW