Posts Tagged ‘On Road Finance’

The Benefits of Using a Finance Broker Over Going Direct to a Bank

When it comes to securing finance for a vehicle or equipment, many Australians assume their first and only option is to walk into a bank. However, working with a specialist finance broker can offer significant advantages that banks simply cannot match.

At On Road Finance, we help customers throughout Australia access better finance options, faster turnaround, and more personalised support, all delivered online for maximum convenience.

Here’s why choosing a finance broker makes a real difference.

Greater Choice and Flexibility

Banks can only offer their own products. A broker, on the other hand, has access to a wide range of lenders and loan types. At On Road Finance, we work with some of the largest brands in asset finance and insurance, giving our clients access to a full panel of competitive options.

This means you are not locked into one set of rates, terms, or eligibility criteria. Whether you have excellent credit or a few bumps along the way, we can match you with a lender that suits your situation.

Greater choice also means better chances of approval, better interest rates, and more flexible loan structures that fit your needs.

Faster and Simpler Process

Applying for finance directly through a bank often involves long forms, slow processing times, and rigid assessment criteria. In contrast, On Road Finance specialises in streamlining the finance application process.

Because we deal with lenders every day, we know exactly what documents are needed and how to position your application for success. Our dedicated online service allows you to complete the entire process from the comfort of your home or office, saving you time and hassle.

Many of our clients receive approval within 24–48 hours, making it possible to get on the road or into new equipment without unnecessary delays.

Expert Guidance and Personalised Service

One of the major benefits of using a finance broker is the level of personalised advice you receive. At On Road Finance, we take the time to understand your unique circumstances before recommending a finance solution.

Whether you are self-employed, running a small business, or purchasing a family vehicle, we tailor our advice to suit your goals, not the bank’s sales targets. Our team has over 7 years of industry experience and is committed to helping Australians find finance solutions that support their long-term success.

You will never be treated like just a number. Our clients appreciate the human support, honest advice, and ongoing communication they receive at every step.

Better Negotiating Power

Because brokers arrange finance for large numbers of clients, they often have more negotiating power with lenders than an individual would on their own. This can translate to lower interest rates, better terms, and additional options such as balloon payments, refinancing, or bundled insurance deals.

On Road Finance leverages its strong relationships with lenders to secure the best possible outcomes for our customers. It is not just about finding you a loan — it is about finding the right loan at the best value.

Ongoing Support After Settlement

When you go through a bank, the relationship often ends the moment you sign the papers. A good finance broker, however, is there to support you throughout the life of your loan.

At On Road Finance, we assist clients with refinancing, insurance updates, and future asset purchases. We stay in touch to ensure you are always in the best financial position as your needs change over time.

Why Australians Choose On Road Finance

On Road Finance has built a reputation as a trusted online finance brokerage for individuals and businesses across Australia. Based in Sydney and servicing the entire country, we combine big-lender access with small-business care.

We understand that finance is not one-size-fits-all. Our personalised approach, fast approvals, and commitment to customer satisfaction have made us the broker of choice for thousands of Australians.

If you are looking for competitive rates, expert guidance, and a smooth finance experience, On Road Finance is ready to help.

Contact On Road Finance Today!

Whether you are buying your first car, expanding your business fleet, or looking for a better finance deal, On Road Finance can help you secure the best possible outcome.

Visit onroadfinance.com.au or email joseph@onroadfinance.com.au to learn more or go straight to our contact page to speak with a finance expert today.

Written by Joseph Diodati on May 5, 2025. Posted in Cars

Photo of black and gray touring motorcycle

What Is Asset Finance and How Does It Work?

When you need equipment, a vehicle, or other essential assets but don’t want to use your working capital or personal savings, asset finance is a smart and flexible solution. It’s a way to acquire what you need now without the upfront cost.

For individuals and businesses alike, asset finance can be the key to staying competitive, keeping cash flow healthy, and avoiding delays in growth. But what exactly is asset finance, and how does it work?

Here’s what you need to know.

What is Asset Finance?

Asset finance is a type of lending that allows you to obtain equipment, vehicles, or other physical assets without having to pay the full cost upfront. Instead, you borrow money to purchase or lease the asset and repay it over time, usually in fixed monthly instalments.

There are different types of asset finance, each designed to suit different needs:

Chattel Mortgage: You own the asset from day one, and the lender uses it as security until the loan is repaid.
Finance Lease: The lender owns the asset and leases it to you for a set period. At the end of the lease, you may have the option to buy it.
Operating Lease: Similar to a rental. You use the asset for a period but return it at the end of the term.
Hire Purchase: You hire the asset with an option to buy it at the end of the agreement.

Each of these options has unique tax, ownership, and repayment implications. On Road Finance helps customers across Australia choose the best structure for their needs.

Who Is Asset Finance For?

Asset finance is widely used by:

Individuals looking to buy a personal or work vehicle
Small businesses needing equipment without large capital outlays
Tradespeople requiring utes, vans, or tools financed through their ABN
Large companies upgrading fleets or commercial machinery

Whether you’re a sole trader or running a growing operation, asset finance helps spread costs over time while keeping your cash free for other needs.

What Can Be Financed?

Asset finance can be used for a wide range of items, including:

Cars, utes, and trucks
Trailers and caravans
Machinery and tools
IT equipment and office technology
Agricultural and construction equipment

At On Road Finance, we specialise in vehicle finance and have helped thousands of Australians secure funding for cars, vans, and business vehicles — all online, without unnecessary delays.

How Does the Process Work?

Working with an experienced finance broker like On Road Finance makes the process simple and stress-free. Here’s how it usually works:

Assessment – We review your needs, financial situation, and business structure (if applicable).
Lender Match – We compare options from leading asset finance providers to find the best rates and terms.
Application – We assist with the paperwork, documents, and application submission.
Approval – Fast turnaround is our focus. Many approvals happen within 24–48 hours.
Settlement – Funds are released and you take possession of the asset.

We handle the hard part so you can stay focused on your goals.

Why Choose On Road Finance?

With over 7 years of industry experience, On Road Finance has earned a reputation for high-quality service, competitive rates, and fast results. As a fully online finance brokerage based in Sydney, we work with clients throughout Australia to secure tailored finance solutions.

Our close relationships with major lenders allow us to find deals that are often better than what individuals can access directly through a bank. We’re also on your side — not the lender’s — which means we’re focused on finding the right solution for your needs.

Get Started Today

Asset finance is a powerful tool when used correctly. Whether you’re buying a new car, upgrading equipment, or planning for business growth, On Road Finance is here to help you move forward with confidence.

Visit onroadfinance.com.au or email joseph@onroadfinance.com.au to learn more or go straight to our contact page to speak with a finance expert today.

Written by Joseph Diodati on April 14, 2025. Posted in Cars