Car & Van Finance for Courier & Delivery Drivers
For owner-drivers, parcel subcontractors and app-based delivery drivers who need a car or van to earn. Tell us how you deliver and what you want to drive, and we'll pass your enquiry to a licensed finance broker who works with a range of lenders. It takes about 60 seconds and there's no credit check to enquire.
- No credit check to enquire
- Free to enquire, with no obligation to go ahead
- A licensed broker calls you, usually within one business day
Check my eligibility
About 60 seconds. No credit check to enquire.
Who we help
- Contracted owner-drivers: running a route for a courier or freight company
- Parcel delivery subcontractors: last-mile work paid per drop or per run
- App-based delivery drivers: food, grocery and parcel apps, on their own or alongside other work
- Drivers stepping up to a van: moving from a hatch as volumes grow
- Drivers replacing a high-km vehicle: before repairs start eating into earnings
- New ABN holders: with a history of driving or delivery work behind them
Vehicles, fit-outs and high kilometres
Most courier work is done in a small or mid-size van, with high-roof and long-wheelbase vans for bulkier freight. App-based food delivery is often done in a fuel-efficient hatch. Shelving, cargo barriers, floor liners and signage can often be included when they're on the vehicle invoice. Light trucks and pantechs are usually treated as truck finance.
Kilometres matter more for couriers than almost anyone. They affect finance in two ways:
- Used vehicles: a van with a high odometer reading may fall outside some lenders' age or condition limits, or may only be financed over a shorter term.
- Balloons: a balloon lowers repayments, but you pay interest on it and must pay or refinance it at the end. With heavy kilometres, the vehicle may be worth less than the balloon by then.
How lenders view contract and platform income
- Contract owner-drivers: your contract with the courier company, plus remittance advices or recipient-created tax invoices and bank statements. How long you've held the contract matters.
- Delivery app income: earnings statements from the app and bank statements showing the deposits. Many lenders want to see a consistent period of earnings, often six to twelve months, and may average it out or treat it as variable income.
- One platform or several: relying on a single app or contract can be seen as less stable than a spread, though a long track record with one helps.
- Costs: fuel, tolls, tyres and servicing are big for drivers, so lenders look at what you actually keep, not just gross deposits.
GST note: unlike rideshare drivers, who must register for GST from their first trip, parcel and food delivery drivers generally only need to register once turnover reaches $75,000. If you also do rideshare, the rules change, so check with the ATO.
How it works
- Tell us how you deliver and the vehicle you need in the short form below.
- A licensed broker calls you, usually within one business day, to talk through your options.
- If it suits you, they handle the application with a lender that fits your circumstances.
What you'll usually need
- Photo ID and driver licence
- Your ABN, and GST registration details if registered
- Your courier contract, or earnings statements from the delivery apps you use
- Business or personal bank statements showing the deposits
- Recent BAS or tax returns, if you have them
- Vehicle details: price, year, kilometres, and dealer invoice or private seller details
Every lender has its own criteria, so your broker will tell you exactly what's needed for your situation.
Courier and delivery finance guides
- How gig workers can get car loans
- Car finance on gig income only
- Low doc loans for rideshare drivers
- ABN finance for a second-hand vehicle
- Balloon payments: what you need to know
- Low doc car, ute and van finance
- Small business car loans
Common questions
Do lenders accept income from delivery apps?
Many do, as long as you can show a consistent history through the app's earnings statements and your bank statements. Lenders often want several months of steady earnings and may average your income out.
Can I finance a used van with high kilometres?
Often, yes, but some lenders have age or condition limits and may shorten the loan term. Your broker can tell you which lenders suit the vehicle you're looking at.
Should I take a balloon on a courier van?
Think carefully. A balloon lowers your repayments, but you still owe it at the end. With high kilometres, the van may be worth less than the balloon when it falls due.
I've only just got my ABN, but I've been driving for years. Can I get finance?
Possibly. Some lenders consider new ABNs where you can show a history of similar work, such as payslips from a previous driving job, plus a clean credit file or a deposit.
Does enquiring affect my credit score?
No. Filling in our enquiry form isn't a credit application. A credit check only happens if you choose to go ahead with an application through the broker.