EOFY: The smart time for vets to upgrade

The April to June quarter is an advantageous time of year for veterinarians considering a vehicle upgrade - and with the right finance in place, the process can be simpler than you might expect.

A prime window for car buyers

The end of financial year (EOFY) delivers strong buying opportunities for business-use vehicles. Jeremy Stagg, Head of Avant Finance, Southern and Western Australia, explains why this period stands out.

"Dealerships are motivated to boost their sales tallies before 30 June, which often translates to genuine value for buyers. For veterinarians looking to upgrade their vehicle, EOFY is an ideal time to act."

Beyond dealership incentives, EOFY also presents a natural opportunity to review your financial position. For veterinarians operating their own practice or travelling regularly between clinics and farm calls - a business-use vehicle may be a part of their EOFY strategy. As your accountant can explain, purchasing before 30 June means any eligible deductions apply in the current financial year.

Efficient finance for time-poor vets

Veterinarians are no strangers to long days and packed schedules. A complicated loan process is the last thing you need when you've found the right vehicle. Avant Finance specialises in the finance needs of doctors, dentists and vets, and has designed their own car loan process accordingly.

"Our loan product process can be quite easy," says Jeremy. "It starts with a call to Avant Finance. We gather some basic details, verify your professional registration, and in many cases can have a business-use car loan approved within 24 hours*."

The case for pre-approval

You don't need to have found your vehicle before approaching Avant Finance. Pre-approval allows you to set a clear budget and understand your repayments before you step into a dealership or negotiate with a private seller.

"Pre-approval gives vets a real advantage at the negotiating table," Jeremy notes. "You know exactly what you can spend, and sellers know you're serious. That can make a meaningful difference to the final price."

Finance that understands your profession

What sets Avant Finance apart is an understanding of how veterinarians work and manage their finances - something a non-specialist lender is unlikely to match.

"We know that some vets prefer to turn their vehicle over every year or two," says Jeremy. "We can structure a loan to minimise costs when that point is reached. That kind of flexibility comes from genuinely understanding the profession."

Avant Finance also considers the full scope of a veterinarian's income when assessing serviceability, recognising income structures that traditional lenders may not be equipped to evaluate.

Make the most of EOFY

With dealership incentives available and potential tax advantages, the April to June window could be worth acting on. To find out how Avant Finance can support your next vehicle purchase, visit https://avant.org.au/finance/loans-for-vets or call 1300 992 208.

* Eligibility for our fast approval process is subject to certain criteria

 © 2026 Avant Doctors’ Finance Pty Ltd. Avant Finance is a registered business name of Avant Doctors’ Finance Pty Ltd (ACN 637 769 361).