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Before You Calculate…
One thing we tell customers every day:
Don't choose a vehicle based solely on the monthly repayment.
Choose the right vehicle for your business first. Then structure the finance around the vehicle.
We've seen customers save thousands simply by selecting a vehicle with better long-term reliability and lower running costs rather than chasing the cheapest repayment.
Planning Your Budget
Start with the vehicle price and your deposit to understand how much you'd need to borrow. Once you know your loan amount, speak directly with Acquired Financial Services for a personalised repayment quote based on your circumstances.
Loan amounts shown are examples only. Actual repayments depend on lender assessment, interest rate, fees, loan term and individual circumstances. Not a finance offer. Speak with Acquired Financial Services for a personalised quote.
From Our Sales Desk
One of the biggest mistakes we see isn't choosing the wrong finance — it's choosing the wrong vehicle.
A van that's $20 per week cheaper might end up costing thousands more in repairs, fuel or downtime over the next five years.
That's why we always encourage customers to choose the right commercial vehicle first, then structure the finance around it.
What Changes Your Repayments?
Six factors that directly affect what you'll pay each week or month.
1. Deposit
A larger deposit reduces the amount you need to borrow, which lowers your repayments and the total interest paid. $0 deposit options may be available to eligible applicants.
2. Loan Term
A longer term reduces your monthly repayment but increases the total interest paid over the life of the loan. A shorter term costs more each month but less overall.
3. Balloon Payment
A balloon (residual) reduces your regular repayments but leaves a lump sum due at the end of the term. You can pay it, refinance it, or sell the vehicle to cover it.
4. Interest Rate
Rates vary by lender, product type, vehicle age and your credit profile. Business finance products often have different rates to consumer loans. A broker with 63+ lenders can compare options.
5. Vehicle Age
Older vehicles can attract higher rates or shorter maximum loan terms from some lenders. This affects both your repayment amount and the total cost of the loan.
6. Credit Profile
Your credit history affects which lenders will consider your application and at what rate. Specialist lenders exist for applicants with previous credit issues.
💡 Business Tip
The cheapest monthly repayment isn't always the cheapest loan.
Longer loan terms reduce monthly repayments but usually increase the total interest paid over the life of the loan. Sometimes increasing your repayment slightly can save thousands over the life of the finance agreement.
From Our Sales Desk
One of the first questions customers ask us is, "How much will it cost me each week?"
It's a good question — but it's only part of the picture.
We encourage customers to look at the total cost of ownership. Fuel. Servicing. Repairs. Insurance. Finance. Reliability.
Choosing the right commercial vehicle often saves far more money over the next five years than simply choosing the vehicle with the lowest repayment.
Buying a Commercial Vehicle Is About More Than Repayments
When comparing vehicles, the weekly repayment is just one number. The total cost of ownership over five years is the number that really matters.
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Finance Repayments
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Fuel Economy
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Scheduled Servicing
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Tyres
📝
Registration
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Insurance
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Reliability
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Downtime
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Resale Value
The cheapest weekly repayment doesn't always mean the cheapest vehicle to own.
Which Finance Product Might Suit You?
Different finance products suit different buyers. Click through to learn more about each option.
Meet Our Finance Partner
Progressive Vans has partnered with Acquired Financial Services, an experienced finance brokerage based right here in Carrum Downs. Their team works with more than 63 Australian lenders to help customers explore finance solutions for vans, utes, trucks and commercial vehicles.
Vans Utes Trucks Business Vehicles Equipment
Finance arranged through
Acquired Financial Services
Award Winning Finance Broker • Carrum Downs
✔ 63+ Australian Lenders
✔ Commercial Vehicle Finance
✔ Low Doc & ABN Products
✔ Equipment Finance
☎ 1300 235 255
Apply Online →Progressive Vans refers customers to Acquired Financial Services as a trusted third-party finance partner. Progressive Vans does not provide credit advice or hold an Australian Credit Licence.
Frequently Asked Questions
How accurate are the loan amount examples? +
The examples show loan amounts only — not repayment figures. Actual repayments depend on the interest rate offered, loan term, fees, balloon payment and your individual circumstances. Speak with Acquired Financial Services for a personalised quote based on your specific situation.
Can I include a balloon payment? +
A balloon reduces your monthly repayment but leaves a lump sum due at the end of the loan term. Whether a balloon is available depends on the lender and finance product. Acquired Financial Services can advise on your options.
How much deposit do I need? +
$0 deposit options may be available to eligible applicants. A larger deposit reduces the loan amount and can improve your chances of approval and the rate you're offered.
Can I finance a used van? +
Yes. Finance is available for used commercial vehicles, subject to lender requirements regarding the vehicle's age, kilometres, condition and purchase price. Progressive Vans stocks a range of workshop-tested used vans ready to finance.
Can I finance a vehicle I found privately? +
Yes. Depending on the circumstances and lender requirements, finance may be available for privately purchased vehicles. Speak with our team and we'll explain the process, including how Progressive Vans may be able to assist with inspections, workshop preparation and coordinating the purchase.
Can I pay the loan out early? +
Early payout options vary by lender and product. Some lenders charge an early termination fee; others allow early payout without penalty. Confirm this with Acquired Financial Services before signing any finance agreement.
Can I refinance later? +
Refinancing an existing vehicle loan may be possible depending on the remaining balance, vehicle value, and your current financial circumstances. Speak with Acquired Financial Services to discuss your options.
Ready to Work Out Your Options?
Use our budget guide as a starting point, then speak with the Progressive Vans team.
We'll help you choose the right commercial vehicle and, if finance is required, introduce you to Acquired Financial Services to discuss lending options that suit your circumstances.
Finance applications are handled by Acquired Financial Services. All finance is subject to lender approval, eligibility criteria and lending policies.
Explore Our Finance Hub
The Progressive Vans Finance Promise
A budget guide gives you a starting point. Our team gives you the full picture.
We'll help you choose the right vehicle for your business, then introduce you to Acquired Financial Services who can discuss the most suitable finance options from their panel of 63+ Australian lenders — including $0 deposit, low doc and ABN products.
No pressure. No unrealistic promises. Just straightforward advice from local people who understand commercial vehicles.
Progressive Vans | 5 Lathams Road, Carrum Downs VIC | (03) 9775 1133
Finance arranged through Acquired Financial Services. Progressive Vans does not provide credit advice.
Commercial Vehicle Workshop • Carrum Downs
Commercial Vehicle Specialists Melbourne
Progressive Vans specialises in servicing, diagnosing and repairing commercial vans and light commercial vehicles from our Carrum Downs workshop. Different models use different engines, transmissions, emissions systems and service requirements, so maintenance and fault diagnosis should be based on the individual vehicle, its operating conditions, kilometres and service history.
Why Vehicle-Specific Knowledge Matters
Commercial vehicles vary significantly across platforms. Accurate diagnosis should account for the specific model, engine configuration, emissions system, transmission type and how the vehicle is actually used.
A Mercedes-Benz Sprinter presenting with an emissions-system concern may require a different diagnostic pathway to a Toyota HiAce with a transmission concern or a Ford Transit with a cooling-system fault. The model matters. The engine variant matters. The operating conditions and service history matter. Understanding these differences helps guide a more relevant diagnostic approach before repair recommendations are made.
- Model-Specific Diagnosis Fault causes and repair pathways can differ across van platforms and engine variants.
- Emissions & DPF Systems Diesel emissions systems vary by model year, engine and manufacturer configuration.
- Service History & Kilometres Maintenance needs and component condition can be influenced by how the vehicle has been used and serviced.
- Operating Conditions & Payload Stop-start use, extended idling and payload demands can influence wear and maintenance requirements across different systems.
Workshop Capabilities
Services available from our Carrum Downs workshop for commercial vans and light commercial vehicles.
Commercial Vehicle Servicing
Logbook, scheduled and vehicle-specific servicing
Explore →
Commercial Vehicle Repairs
Mechanical, engine, cooling, transmission and electrical repairs
Explore →
Diesel & DPF Specialists
Diesel diagnostics, DPF and emissions-system support
Explore →
DPF Cleaning
Professional off-car DPF cleaning — $499 incl. GST
Explore →
Fleet Maintenance
Coordinated maintenance for commercial vehicle fleets
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Brake Repairs
Brake inspection, pads, rotors and fault diagnosis
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Suspension & Steering
Suspension, steering and related chassis components
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Roadworthy Preparation & Repairs
Roadworthy preparation, pre-inspection checks and repairs
Explore →
Real Vehicles. Real Workshop. Real Repairs.
Genuine work from the Progressive Vans workshop at 5 Lathams Road, Carrum Downs.
Engine Repair — Mercedes-Benz Sprinter
Head Gasket Replacement — Ford Transit
Major Mechanical Work — Mercedes-Benz Vito
Diagnostic Scan — Renault Master
Warning Light Assessment — LDV Deliver 9
Brake Disc & Rotor Replacement
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Commercial Vehicles Are Working Assets
Maintenance That Accounts for How the Vehicle Is Used
Working vans and light commercial vehicles can operate under conditions that differ significantly from typical passenger-car use. Servicing and diagnosis should take those operating conditions into account.
High Kilometres
Commercial vehicles can accumulate kilometres quickly, which can increase wear and maintenance requirements across key systems.
Stop-Start Operation
Urban delivery and trade use can involve repeated short trips, which may influence engine operating temperature, battery use and emissions-system behaviour.
Payload & Load Stress
Carrying tools, equipment or freight can place additional load on suspension, brakes and drivetrain components.
Extended Idling
Vehicles that spend significant time idling can experience different engine and emissions-system operating conditions to vehicles covering sustained road kilometres.
Fleet & Trade Use
Multiple drivers, varying routes and frequent operation can make consistent maintenance planning particularly important and may help reduce the risk of unplanned downtime.
Service History
Service and repair decisions should account for previous maintenance, repairs and vehicle history — not just the current symptom or kilometres.
Commercial Vehicle Workshop — Carrum Downs
5 Lathams Road, Carrum Downs VIC 3201
Get Directions →Carrum Downs • Frankston • Seaford • Dandenong South • Cranbourne • Hallam • Keysborough • Braeside • Mornington Peninsula
Part of a family-owned automotive business with a history dating back to 1953.
Keep Your Commercial Vehicle Working.
Need servicing, mechanical repairs, diesel diagnostics or DPF support for your commercial vehicle? Talk to Progressive Vans about the vehicle, its service history, any symptoms and how it is used.
Commercial Vehicle Specialists •
Carrum Downs Workshop •
Fleet & Trade Support •
Family Automotive History Dating Back to 1953
Progressive Vans • 5 Lathams Road, Carrum Downs VIC 3201