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Yes, you can make additional payments on top of your regular payments. If you’re up to date, these payments may put your loan in advance.

Yes, but please contact us first to confirm the correct payout figure. You can reach us on 1300 300 309 or by emailing customerservice@capital-finance.com.au.

A break cost may apply if you choose to repay your lease or loan early during a fixed rate period. For more information, refer to our Break cost fact sheet (PDF 193KB).

If your repayments are overdue or at risk of falling behind, call our Business Assist Team on 1300 780 131 to discuss your options.

To access your lease or loan statement, please get in touch with us directly. You can:

• Request it through our Online Enquiry Form
• Email us at customerservice@capital-finance.com.com.au
• Call us on 1300 300 309

To update your personal details, please get in touch with us directly. You can: 

• Request it through our Online Enquiry Form
• Email us at customerservice@capital-finance.com.com.au
• Call us on 1300 300 309

If your business name has changed and it needs to be updated in our systems, email your request to customerservice@capital-finance.com.au. 

Include a certified copy of your business name registration. All documents must be certified by a Justice of the Peace. 

Yes, you can nominate someone to speak or act on your behalf. We’ll need an Authorised third party (PDF 789KB) form signed by all borrowers. 

This form authorises a third party to discuss your loan, missed payments and related details with us, but does not allow them to make changes. You can cancel this authority any time in writing.

No, your asset is secured with Capital Finance for the duration of your contract. If you're planning to sell your vehicle or equipment, your contract will need to be fully paid out before or at the time of sale. 

If you’ve financed your asset through a Goods Loan or Hire Purchase, the interest and depreciation may be tax-deductible.

Your broker has access to current rates and is here to help you lock in the best deal.

A balloon payment is a lump sum due at the end of your lease or loan. It can lower your regular repayments and help with cash flow — but you’ll pay more interest overall and you’ll need to pay this lump sum at the end of the term.

This option may help you if you anticipate a higher income in the future or plan to sell or refinance the asset before the loan term ends. If you'd rather pay off the loan in full without a lump sum at the end, you can opt for a lease or loan without a balloon payment — though this will mean higher monthly repayments.

If someone is pressuring you about money or making decisions without your consent, get help now. Call 000 in an emergency or contact our Priority Assist Team on 1800 631 488 for support. 

Worried someone’s pressuring you about money or making decisions without your say?

This could be a partner, family member, carer, friend or professional.

• Call 000 if you're in immediate danger
• Call our Priority Assist Team on 1800 631 448 for confidential support

We can help you pause or delay transactions, review power of attorney arrangements and update your contact details. 

You’re not alone — we’re here to help.

If you’re facing financial hardship or have been affected by a disaster, you may be able to set up a payment arrangement. Call us on 1300 780 131 between 8:30am–7:30pm, Mon–Thu or 8:30am–5:30pm, Fri (Sydney Time).

We’re sorry for your loss and we’re here to support you. We have a specialised team to help you manage this process. Please refer to the steps outlined here.