Overdrive Funding helps Australian mobile mechanics access competitive vehicle finance. We compare 80+ banks and specialist lenders, negotiate the deal and manage everything from start to finish — new or used, from dealers, private sellers or auctions anywhere in Australia.
A mobile mechanic's vehicle is a workshop that drives. Compressor, generator, tooling, oils, a hoist or ramps — the fit-out often costs more than a modest car and is what makes the business possible at all.
What mobile mechanics finance
- Vans — Transit, Sprinter, Transporter, Deliver 9
- Utes and cab chassis with enclosed service bodies
- Service body fit-outs — compressors, generators, welders, tool drawers
- Onboard air, power and lighting systems
- Tilt tray and recovery vehicles where you also do towing
- New, used, ex-fleet, dealer, private-sale and auction purchases
We only finance vehicles located in Australia. See our business vehicle finance page for the full range, rates and how approvals work.
The fit-out is the business
A full mobile mechanic fit-out — service body, compressor, generator, drawers, onboard air and power — can run $25,000 to $50,000 on top of the vehicle. Where it is fitted at purchase and invoiced together it can generally be financed in the same facility, which is far better than putting it on a credit card or draining working capital.
A specialised vehicle has a narrower resale pool
Worth going in clear-eyed: a heavily fitted-out service vehicle sells to fewer buyers than a plain van. That is not a reason to avoid the fit-out — it is what makes you money — but some lenders account for it in the rate or deposit, and it is a reason to compare lenders rather than take the first quote.
Rates and deposits
Established ABN (2+ years), new vehicle, full doc
Established ABN, used vehicle, low doc (no financials)
Newer ABN (under 12 months)
Prior credit issues or specialist lending
| Borrower profile | Indicative rate | Typical deposit |
|---|---|---|
| Established ABN (2+ years), new vehicle, full doc | From 6.1% | $0 – 10% |
| Established ABN, used vehicle, low doc (no financials) | 7% – 10% | 10% – 20% |
| Newer ABN (under 12 months) | 9% – 12% | 10% – 30% |
| Prior credit issues or specialist lending | 12% – 15% | 20% – 30% |
Low doc (no financials) business vehicle finance is available up to $300k for the right profiles. Deposits generally range from 10% to 30%, with $0 deposit available on stronger applications. Rates are indicative only and subject to lender assessment.
Get a quote
Looking for the best rate on vehicle finance for your business? You're in the right place. Speak directly with Simon and our team for a free, no-obligation quote, or get a free quote online. Our service is completely free. We're paid by the lender only after a deal settles, so there's no cost to you—even if you choose not to proceed.