Personal and Asset Finance

Having access to the right lender and the right product structure for your personal or asset needs can make a meaningful difference to the total cost of your borrowing and the flexibility you retain along the way.

BluePoint Financial assists individuals and business owners with a range of personal and asset finance solutions. This includes

  • car loans for private purchases and business vehicles

  • equipment and machinery finance for trade and commercial use

  • novated lease arrangements for salary packaging

  • unsecured personal loans for a range of purposes.

Each of these product categories has its own set of lenders, rate structures and approval criteria.  Knowing which lender suits which borrower profile is where our experience adds real value.

For self-employed borrowers, navigating personal and asset finance can be particularly challenging. Many mainstream lenders apply conservative serviceability assessments to business owners, even those with strong income histories. We work with lenders who have more flexible approaches to self-employed applications ensuring that running your own business does not become a barrier to accessing competitive finance.

If you have a finance need that sits outside of the home loan or investment lending space, give us a call. We take the same thorough, client-first approach to personal and asset finance as we do with every other service. We compare all options across our lender panel, recommending what genuinely fits your situation and managing the process so you can focus on what matters most to you.

Get Started

Frequently Asked Questions

  • Personal and asset loans can cover a wide range of purchases, including cars, motorbikes, boats, caravans, equipment and even debt consolidation. We help you find a loan with terms and rates suited to whatever you're buying.

  • A secured loan uses an asset (eg. the vehicle you're buying) as collateral, which typically means a lower interest rate. An unsecured loan doesn't need any security but usually comes with a higher rate attached. We'll help you compare both and work out what's right for your situation.

  • Many asset and personal loans can get conditional approval within 24 to 48 hours, especially when your documentation's in order. We work with lenders who offer fast turnarounds, so you're not left waiting once you've found what you want to buy.

  • Yes, there are lenders who cater specifically to self-employed borrowers or those with non-standard income. We look at your full financial picture and match you with a lender whose criteria actually suits your circumstances.