1800 199 302
Courier Van Finance — Finance Your Delivery Vehicle Without the Paperwork
Specialist van finance for courier operators and delivery drivers. ABN holders only. No tax returns. Approval in 24 hours.
GET A FREE QUOTE CALL 1800 199 302
Finance for the way courier operators actually work
Owner-driver couriers and delivery operators are one of Australia’s fastest-growing self-employed groups — the surge in e-commerce and last-mile logistics has created strong, consistent demand for independent operators. But despite a full run card and reliable income, getting van finance approved at a bank can be surprisingly difficult.
Banks want payslips and tax returns. Courier operators typically have neither — they operate on ABN invoices, often with multiple clients, and their returns may be months behind. The income is real and consistent, but it doesn’t fit the bank’s template.
CarFund arranges van and vehicle finance specifically for self-employed ABN holders. We don’t require tax returns for loans under $150,000. We’ve been doing this for over 20 years, and courier operators are among the borrowers we help most frequently.
Vehicles we finance for courier and delivery operators
Vans
- Small vans: Volkswagen Caddy, Ford Transit Connect, Renault Kangoo
- Medium vans: Toyota HiAce, Hyundai iLoad, Renault Trafic, Volkswagen Transporter
- Large vans: Mercedes-Benz Sprinter, Ford Transit, Volkswagen Crafter, Fiat Ducato, Iveco Daily
Utes and small trucks
- Single and dual cab utes for regional delivery work
- Light trucks and pantechs for larger delivery loads
Refrigerated vans
- Temperature-controlled vans for food, pharmaceutical, and cold chain delivery — financed the same way as standard vans
Used vehicles
New or used, dealer or private sale — our process is the same regardless of where you source the vehicle.
What you can borrow
| Loan range — no tax returns | $10,000 – $150,000 |
| Pre-approval | Up to $250,000 |
| Loan term | 1 to 7 years |
| Balloon payment | Available |
| Deposit (property owner) | Not required |
| Approval | 24 hours |
| Settlement | 2–3 business days |
The right finance product for couriers: chattel mortgage
Because your van is a business tool — the asset you use to generate income — the chattel mortgage gives you tax advantages a consumer loan cannot.
If you’re GST-registered, you claim the GST on the full purchase price of the van at your next BAS — not spread over the loan, immediately at settlement. On a $44,000 van, that’s $4,000 back from the ATO. Your interest repayments are fully tax deductible. Depreciation on business use can be claimed.
If your van is used for a mix of personal and business purposes, we’ll advise on the most appropriate product for your usage split.
Multiple vehicles — growing your fleet
If you’re expanding from one van to two or three, CarFund can arrange individual facilities for each vehicle or discuss fleet structures depending on your business setup. Each application is assessed on its own merits — speak to us about your fleet plans during the quote.
How it works
1 — Quote (5 minutes): Call 1800 199 302 or complete our online form. Response within 30 minutes, 7 days.
2 — Application (10 minutes): One form — no tax returns for loans under $150,000.
3 — Approval (24 hours): Submitted to specialist commercial lenders including Macquarie Bank and Capital Finance.
4 — Settlement (2–3 days): We pay the dealer or private seller directly.
Frequently Asked Questions
I work for multiple courier companies on different ABNs — how does that affect my application?
We assess your overall ABN and income profile. Working across multiple platforms or clients is common in the courier industry and doesn’t prevent approval — speak to us directly about your specific situation.
Can I finance a refrigerated van?
Yes — temperature-controlled vans are financed the same way as standard vans, assessed on vehicle value and your borrower profile.
Can I get finance as a newly registered ABN holder?
Possibly, depending on your asset position. A shorter ABN history reduces the lender pool but doesn’t eliminate options. We’ll give you an honest assessment upfront.
Do I need to show delivery contracts or run card history?
No. We don’t require delivery contracts, run cards, or evidence of specific clients. Your ABN, asset position, and credit profile form the basis of assessment.
Does a quote affect my credit score?
No — zero impact until you formally proceed.
Can I get a second van while still paying off my first?
Yes — each facility is assessed on its own merits and your overall profile. Speak to us about your specific situation.
Get your courier van financed today
FREE QUOTE → | Call 1800 199 302 — 7 days a week
CarFund.com.au | Vehicle finance for self-employed Australians — 20+ years