pricing
What are current asset finance interest rates in Australia?
Short answer
Indicative lender base rates verified on 16 February 2026 are 8.49% for a 12-month term, 7.49% for 24 months, and 6.89% for 36 to 60 month terms. These are indicative rates for in-policy low-doc applications and can vary by lender, asset and applicant. AssetMX shows this base rate separately from its $800 flat fee, with no commission loaded into the rate.
Last reviewed 8 September 2026 by AssetMX.
Direct answer
As at 16 February 2026, indicative lender base rates for in-policy low-doc asset finance are 8.49% for a 12-month term, 7.49% for a 24-month term, and 6.89% for terms of 36 to 60 months. These are indicative figures only, verified on that date, and the rate that applies to a specific application depends on the lender, the asset being financed and the applicant’s circumstances.
Indicative rate tiers
| Term | Indicative rate |
|---|---|
| 12 months | 8.49% |
| 24 months | 7.49% |
| 36-60 months | 6.89% |
Rates are indicative, verified on 16 February 2026, and can change. Loan terms of up to 84 months are available; ask for current pricing on terms outside the tiers above.
Why the rate is shown separately from the fee
AssetMX charges a flat $800 platform fee and shows the lender’s base rate as a separate figure, so the cost of the money and the cost of the platform are both visible. Nothing is loaded into the rate on top of the lender’s own pricing, unlike a typical broker model where commission is built into the rate itself.
What affects the rate you are offered
The lender panel prices a deal based on factors such as the asset type and age, the loan term, the loan amount (within the $5,000 to $500,000 range), and how closely the application fits low-doc policy. A lender establishment fee, typically around $500, is usually financed into the loan on top of the rate.
Where to next
See how broker pricing compares at how much do asset finance brokers charge, or get an indicative quote at rates.
This is general information only and does not take your circumstances into account. It is not financial, tax or legal advice.
Sources
Related questions
Are these rates guaranteed for my application?
No, they are indicative rates verified on 16 February 2026 for in-policy low-doc applications. Your actual rate depends on the lender, the asset and your business's circumstances.
Why does a shorter term have a higher rate?
Rate tiers are set by the lender panel and generally track term length, with the 12-month tier priced higher than the 36 to 60 month tier in the current indicative pricing.
Does the rate include any broker commission?
No. AssetMX shows the lender's base rate separately from its own $800 flat fee, with no commission loaded into the rate.
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