---
title: "Standard CL&M Home Buyer — RAM Trucks Finance"
description: "Business Loans from RAM Trucks Finance. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/ram-trucks-finance/products/a16a2deb-5725-41af-82fb-bbfe79dfe8d3
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-03T05:17:19Z
---

# Standard CL&M Home Buyer — RAM Trucks Finance

> Business Loans from RAM Trucks Finance. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Business Loans**

A secured fixed rate commercial vehicle loan, available to homeowners.

## At a glance

- **From:** 8.32% (Fixed)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Fixed · 7 years (Minimum fixed interest rate. Actual rate offered may vary based on the applicant's circumstances and credit assessment.) | 8.32% | — | Greater than 60 months risk; Used Vehicle Risk Commercial/Lease ≤20%; Used Vehicle Risk Commercial/Lease ≤50% |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Account Keeping fee — 12.00 · A periodic fee charged for the administration and maintenance of the loan account. | Ongoing | $12.00 |
| Payment Dishonour fee — 20.00 · A fee charged when a scheduled repayment is dishonoured, declined or cannot be processed. | Dishonour | $20.00 |
| Early Termination Fee — 150.00 · A fee that may apply when a loan is repaid before the end of the agreed loan term. The amount may vary depending on the timing of the early repayment and the terms of the loan contract. | Exit | $150.00 |
| Establishment Fee — 549.00 · A one-off fee charged at the start of the commercial vehicle loan to cover the costs of setting up and processing the finance contract. | Event | $549.00 |
| Dealer Facilitation — 1450.00 · A fee charged to cover dealer-related services involved in arranging or processing the finance contract. | Event | $1,450.00 |
| PPSR Fee — 6.00 · A fee charged to cover the cost of registering a security interest on the Personal Property Securities Register (PPSR). | Event | $6.00 |
| Late Payment Fee — 25.00 · A fee charged when a payment is made more than 21 days after it is due. | Event | $25.00 |
| Contract Variation Fee — 145.00 · A fee charged each time we agree to your request for a variation to this contract. | Event | $145.00 |
| Information Processing and Document Fee — 15.00 · A fee charged each time we provide, at the request of you or your agent, written information about your loan account or a copy of a document relating to this contract. | Event | $15.00 |

## Features

- **Instalment plan** (Enables repayment of the financed amount through regular scheduled instalments over an agreed loan term.)
- **Commercial vehicle loan:
- Available for eligible business customers, including sole traders and incorporated businesses.
- Commercial loan and mortgage designed for businesses that use accounting systems.
- Default payment method is arrears. Consumers can also opt for payments in advance.**

## Eligibility

- **Applicant must not be subject to any current bankruptcy proceedings.**
- **Applicant must hold a current Australian driver's licence or learner's permit.**
- **Applicant must have a fixed, verifiable residential address in Australia.**
- **Minimum age** — 18.00 years (Applicant must be at least 18 years of age.)
- **Applicants holding temporary visas must hold an acceptable visa with at least 12 months remaining before expiry.**
- **Residency status** — Resident (Applicant must be an Australian citizen, New Zealand citizen, or an Australian permanent resident with an acceptable visa.)

## Constraints

- **Minimum limit** — $5,000.00 (Minimum financed amount)
- **Maximum LVR** — 140% (Depending on the Delegated Credit Authority Matrix can be between 125%  to 140%)
- **Minimum Term** — 12
- **Maximum Term** — 84
- **Acceptable asset condition** — New;Used;Demo
- **Maximum contract term without balloon** — 84 Months
- **Maximum contract term with balloon** — 60 Months

## Data provenance

- Published by RAM Trucks Finance under the Consumer Data Right
- Product ID: `a16a2deb-5725-41af-82fb-bbfe79dfe8d3`
- Last updated by the provider: 3 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/ram-trucks-finance/a16a2deb-5725-41af-82fb-bbfe79dfe8d3
- Provider page: https://www.cdrcompare.au/brands/ram-trucks-finance

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/ram-trucks-finance/products/a16a2deb-5725-41af-82fb-bbfe79dfe8d3) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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