comparison
Why are advertised 'from' interest rates on asset finance often misleading?
Short answer
Advertised 'from' rates usually show the lowest tier a lender offers, typically reserved for the shortest loan terms and strongest applications, and they often bury broker commission inside the rate rather than showing it separately. AssetMX's indicative lender rate tiers, verified 16 February 2026, are 8.49% for 12 months, 7.49% for 24 months and 6.89% for 36 to 60 months, shown separately from the $800 flat platform fee so there is no commission loaded into the number you see.
Last reviewed 8 September 2026 by AssetMX.
Direct answer
An advertised “from” rate is a marketing floor, not a quote. It is typically the single lowest rate a lender will ever charge, on its shortest term, to its lowest-risk applicants, and it says nothing about the rate you would actually be offered on your term, your asset and your application. It also does not tell you whether a broker has loaded a commission margin on top of the lender’s base rate.
Why the “from” rate rarely applies to you
Rates move with loan term, asset type and age, and the strength of the application. A rate advertised for a 12-month term is not the rate you will pay over 60 months, and a rate built for a strong low-doc file is not the rate offered outside policy. Without seeing the full tier structure, a single “from” figure tells a reader almost nothing about their own likely repayment.
How commission loading hides in the rate
Brokers typically earn 1-2% commission loaded into the interest rate, worth roughly $3,000 to $6,000 on a $100,000 deal, and some also charge an origination fee on top (one existing industry example is around $990). On a $100,000 asset over 60 months, a lender base rate of 6.89% can become a broker-loaded rate of around 8.89%, costing over $4,000 more across the loan when the 2% loading is spread over the term. None of that shows in a headline “from” rate.
What AssetMX shows instead
| Term | Indicative lender rate (16 Feb 2026) |
|---|---|
| 12 months | 8.49% |
| 24 months | 7.49% |
| 36-60 months | 6.89% |
These are indicative lender rates only, shown separately from the $800 flat AssetMX platform fee, with no commission loaded in.
Where to next
Compare the full tier structure and fee breakdown on the rates page, or see how the $800 flat fee works.
This is general information only and does not take your circumstances into account. It is not financial, tax or legal advice.
Sources
Related questions
Is the 'from' rate the rate I will actually get?
Not necessarily. It usually reflects the shortest term and lowest-risk profile a lender offers. Your actual rate depends on the term you choose, the asset and your application.
Does a longer loan term always mean a higher rate?
Not with AssetMX's tiers. The 36 to 60 month tier is priced lower than the 12 month tier, so the shortest term is not automatically the cheapest.
How do I know if commission is loaded into my rate?
Ask whether the rate quoted is the lender's base rate or includes a broker margin. AssetMX shows the lender rate and its $800 fee as two separate line items.
Ready? Three questions, then we take it from there.
One flat $800 fee, disclosed before you start. Nothing touches your credit file until you say so.
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