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Rideshare & Taxi Vehicle Finance

Looking for fast, flexible rideshare vehicle finance? Let us save you time, money and hassle!

FLOW Financial Services

Your car is your income and we've got the finance to get you driving

For a rideshare driver or taxi operator, the vehicle isn’t a nice-to-have. It’s the whole business. Every week without the right car is a week of fares you’re not collecting, which is why speed matters as much as the rate when it comes to finance.

The good news is that getting finance for a rideshare or taxi vehicle is straightforward when you work with a broker who understands how the industry operates. Rideshare vehicles are usually financed as commercial assets, most commonly through a chattel mortgage or a standard car loan secured against the vehicle. Because the car is used for business, interest and depreciation are generally tax deductible, and a commercial structure can deliver better tax outcomes than a personal loan.

Flow Financial Services arranges vehicle finance for Uber, DiDi, Ola and other rideshare platforms, as well as taxi and hire car operators. That includes the hybrids and EVs the industry runs on, think Toyota Camry Hybrid, BYD and Tesla, along with second or additional vehicles and upgrades to meet higher-tier platform requirements. Just starting out or scaling up, we’ll get your application moving fast, with most approvals landing the same day.

Years Experienced
0 +
  • Premium personal service
  • 300+ 5-star google reviews
  • Loan protection packages
  • Easy Online Process
  • Market leading Interest Rates
  • Fast turnaround times
  • High Approval rates
  • Protect your credit score
  • Expert Loan Brokers
  • 40+ Trusted Lenders
  • Tailored Loan Products
  • Flexible Repayment options

Why Choose Us

Buying your first rideshare car or adding to an established operation, rideshare and taxi vehicle finance is one of our specialties.

Financing a vehicle that earns its living on the road comes with its own wrinkles. Platform requirements, high kilometres and income that arrives week to week can all complicate a standard application.

Maybe you’re weighing up a chattel mortgage against a regular car loan. Maybe you want to know if lenders will approve you with only a few months of platform income, or whether a high-kilometre replacement vehicle will qualify, or how using the car personally on weekends changes things.

We answer these questions every day. Flow works with a panel of more than 40 lenders, and we know which ones understand rideshare income, which ones are comfortable with higher odometer readings, and which ones will approve new drivers based on earning potential. The result is a loan that fits how you actually drive and earn.

SAVE MONEY

Our network of over 40 lenders gives us access to rates and loan structures you won’t always find going direct. On a vehicle that’s working every day, the right rate and the right structure can add up to thousands of dollars over the life of the loan.

SAVE TIME

We manage the finance process from first conversation to settlement. Rather than juggling lenders and paperwork between shifts, you hand it to us. The applications, the documentation and the follow-up are ours to deal with, and most rideshare vehicle applications receive same-day approval.

EXPERT ADVICE

We take the time to understand your situation before recommending anything. Sole trader or company, full-time driver or side hustle, business-only or mixed personal use: each points to a different structure, and we’ll walk you through the reasoning so the decision is an informed one.

STRESS LESS

A knock-back from your bank leaves a mark on your credit file. We make informal enquiries with lenders first, so we find out who’s likely to approve your application before anything touches your credit score. That protects your file and makes the whole approval process a lot calmer.
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FAQs

Our Frequently Asked Questions. If you have any further questions, please contact us.

It covers the loan products used to buy a vehicle for rideshare or taxi work, including cars for Uber, DiDi, Ola and other platforms, taxis and hire cars. In most cases the vehicle is financed as a commercial asset through a chattel mortgage or a standard car loan, with the vehicle itself used as security.

Anyone driving or planning to drive for a rideshare platform or operating a taxi or hire car: sole traders, partnerships, companies and trusts. We work with first-time drivers, operators replacing a high-kilometre workhorse, and businesses adding vehicles to an existing operation.

Get in touch with details of the vehicle you’re looking at and a rough figure for the total cost. We’ll ask for some basic documentation, talk through your situation and tell you what’s realistic before anything formal is submitted. Most applications receive same-day approval once they’re in.
Requirements vary by lender, but most applications call for an ABN that’s been active for at least six months, bank statements showing your rideshare income, details of the vehicle being purchased and photo ID. We’ll tell you exactly what your application needs before you start gathering anything.
Often, yes. Some lenders approve finance based on earning potential rather than a history of platform income, which suits drivers who are just getting started. Our brokers know which lenders take this approach and will point your application to them.
Yes. We arrange finance for replacement vehicles, whether you’re upgrading to meet higher-tier platform requirements or simply swapping out your existing car for a fresher one.
Rideshare vehicles rack up kilometres quickly, and plenty of lenders shy away from big odometer readings. We work with lenders who understand the industry and will finance appropriately priced vehicles with higher kilometres on the clock.
Yes, though a mixed-use setup may affect which loan type suits you and what you can claim. We factor that in when recommending a structure, so there are no surprises at tax time.
The most common are a chattel mortgage and a standard secured car loan. Under a chattel mortgage you own the vehicle from day one, and if you operate as a sole trader or through a business entity, interest and depreciation are generally deductible. We’ll look at your setup and recommend the structure that delivers the better outcome.
Potentially. Because the vehicle is used to earn income, eligible drivers may be able to claim deductions for interest, depreciation and running costs in proportion to business use. Under a chattel mortgage, a GST-registered operator can generally claim the GST on the purchase price in their next BAS. Tax treatment varies with your structure and circumstances, so confirm the specifics with your accountant.

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What Our Happy Clients Say About Us

FLOW FS

FLOW is the finance broker rideshare and taxi drivers trust to keep them earning

You've done the sums and picked the car. The finance shouldn't be the thing that keeps you off the road. Talk to our specialists about a loan built around your income and your driving, with competitive rates from a panel of more than 40 lenders and most approvals back the same day. We do the running around, you get behind the wheel.

Get Rideshare Finance Today

Let’s protect your credit score and access low rates now!

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Let’s protect your credit score and access low rates now!

Fill out the form below, and we will be in touch shortly.