Balloon settings for vehicle finance typically follow lender caps by vehicle age and class. New passenger and light commercial vehicles commonly support 25-30% balloons; older or used vehicles lower. Heavy and specialty configurations are assessed case-by-case. The right balloon balances monthly affordability against end-of-term exposure.
General information only. Not financial, legal or tax advice.
Read the full guide on balloon payments
We’ve consolidated detailed guidance on balloon payments into a single canonical resource, because the rules apply consistently across asset finance products in Australia.
For everything about vehicle finance - including how the structure works, indicative rates, common assets and scenario-specific guidance - see the vehicle finance overview.
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