Hey all, Im after car loan advice! Dont worry its not a "who is the best lender" or anything like that. My situation is this. Want to purchase a new or near new Holden VE SSV ute. Now my trade is audio visual installation and sales. Has been for many years. Earn good money so the repayments arent an issue. Currently I am employed by a company, full time, but I do also have my own ABN and business name to which at the moment, earns me about an extra $20-25k per year as an on the side thing. Ultimately, I would like to go out on my own and grow that considerably, but all in good time. In speaking to RACV, who i want to do the finance for me, I was told that if I was an ABN holder and the car was for business purposes, I could do a business car loan which would be much cheaper for me. Interest rate of about 8.5% as opposed to about 12% for private. I would be using the car about 90% for work. Both for my employer and my own business. My question is this (I havent been able to get in touch with the guy at RACV yet) Would the fact that i am only trading a small amount under my ABN still qualify me for a business loan? My tax guy recently told me that due to the fact that im only earning a small amount(in my own business), I may find it hard to qualify for the 50% government rebate thing being advertised everywhere at the moment. Not that im too stressed about that cos really its worth very little. But based on that, what would RACV be looking for to qualify me for a business car loan? Also, im LONG overdue for a payrise at work and give what other people in the industry earn and my experience etc etc, I should be hitting work up for a 10k payrise. At least. And put it this way, Ive got a lot of pull at the moment with my employer so I dont think 10k more is out of the question. Not bignoting myself but they would be FARKED if i left. lol Is there anything I could do with my employer to finance this car in terms of salary sacrifice or car allowance etc? Not sure how it all works when packaging a car in to your salary. Sorry for the long post but im a little confused and just want to try and get a few things straight before I set my heart to this new car.