Equipment Finance: Broker vs Dealer – Which Gets You the Better Deal?

You’ve found the perfect piece of equipment, but now you’re facing a choice: finance through the dealer or use a broker?

The fundamental difference? A dealer’s priority is selling equipment. A broker’s priority is getting you the best finance deal. Guess which one has your back?

The dealer offer:

• Finance isn’t their specialty
• Limited lender panel (as little as 1 option)
• Actual interest rate often not openly declared
• Pressure to close deals quickly

What brokers offer:

• Access to 40+ lenders
• Rate comparison shopping
• Transparent terms & rates
• Representing your interests, not the dealer’s

Dealers handle finance as a side business. Brokers handle finance as their core expertise – there’s a big difference in service quality.

How switching from a dealer to Finlease saved this customer:

The Bottom Line

When you’re investing in equipment and vehicles for your business, getting the right finance matters just as much as choosing the right machinery. While dealers excel at equipment expertise, brokers excel at finance optimisation.

The choice is simple:

• Convenient (dealer) vs best deal and ongoing support (broker)
• Limited options vs market-wide comparison
• Finance add-on vs finance expertise

Already Have a Dealer Quote? Don’t Sign Yet

It’s worth getting a broker comparison before committing to dealer finance.

Use our True Interest Rate Calculator to see what your dealer quote really costs, then let us show you what’s possible with 40+ lenders.

Get your free broker comparison:

✅ No obligation quote in hours

✅ Compare your dealer offer with market rates

✅ See potential savings before you sign

✅ We coordinate everything with the dealer

Compare Your Dealer Quote Now, Try Our Finance Calculator.

Ready to see the difference? Your broker. Your corner.