Competitive 

vehicle

 and 

equipment financing

for you.

Looking for a car loan or financing for other equipment or business assets? Get the right financing solutions for your vehicles, equipment, and business assets, by combining competitive rates and expert advice.

Why choose Cinch Loans?

Personalised, expert guidance, or rapid self-service - you choose  

Hassle-free experience

Access competitive rates and loan structures from over 40 lenders, tailored to your needs and negotiated by our trusted experts

“You went above and beyond our expectations. It’s not just business transaction with you guys but we saw that you really genuinely care about the relationship, success and financial well being of your clients.”

Dolly Nyirenda

Frequently asked questions


Have a different question?
Contact us!
What is asset and equipment financing?

Asset and equipment financing allows businesses and individuals to purchase or lease essential items like cars and other vehicles, machinery and other equipment, without paying the full amount upfront.

This type of financing spreads the cost over time, improving cash flow and allowing immediate use of the asset, often improving productivity by replacing ageing equipment and technology. Terms typically range from 1-7 years, depending on the loan type.

Businesses can often claim deductions on interest payments and depreciation for financed assets. Consult with a tax professional for personalised advice.

Book an appointment for expert guidance.

What types of assets can be financed? 

A wide range of assets can be financed, including:

  • Vehicles: cars, boats, caravans, trucks, and commercial vehicles
  • Machinery: Construction, agricultural, and manufacturing equipment
  • Technology: Office computers, servers, and IT equipment
What's the difference between leasing and financing?
  • Leasing: You pay to use the asset/equipment over a set term, with the option to purchase or return it at the end
  • Financing: You own the asset/equipment from the start, repaying the loan over time
What is a balloon payment?

A balloon payment is a larger, final payment due at the end of the loan term. It reduces monthly repayments but requires a lump sum at the end. This option is available for vehicle and equipment loans.

Can I finance used vehicles or equipment?

Yes, both new and used assets/equipment can be financed, often with different terms based on the age and condition of the item.

What documentation do I need to apply?

Typically you'll need proof of income, credit history, and details of the asset/equipment you intend to lease/purchase. For businesses, financial statements and tax returns may be required.

Book an appointment for expert, personalised support.

How do I get started with my asset or equipment loan application?

Just book an appointment and talk to our experts, or if your needs are simple, try our self-service asset finance offering for rapid results!