The interest rates advertised by lenders on car loans should be taken as a guide and are the cheapest being achieved by that lender in the current environment. It will depend on the quality and quantity of financial documentation you provide in your application and your credit profile as to what interest rate we will be able to achieve for your loan. For businesses, the more documentation including BAS statements, tax returns, profit and loss statements, annual business accounts etc that you can provide, the more positive this will impact on your loan offer.