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Monday 8:30am - 5:30pm Tuesday 8:30am - 5:30pm Wednesday 8:30am - 5:30pm Thursday 8:30am - 5:30pm Friday 8:30am - 5:30pm

Dad's Wallet

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Richmond, VIC
Dad's Wallet

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Dad's Wallet is a new startup to help consumers get access to the personal loan and car loan options at a competitive rates.

03/11/2026

Need an excavator, skid steer or another machine for a job starting in January? Get your order in now!

If it’s not in stock, it could take weeks to arrive, with extra time needed for freight and setup. Check whether your supplier or the manufacturer shuts down over Christmas and New Year, as that could delay delivery further.

Allow time for finance, too. Suppliers usually want a deposit or confirmed funding before they’ll lock in your order.

Getting finance approved in November means you can place the order and book delivery sooner, giving you a better chance of having the machine on site when work starts—not halfway through February.

01/11/2026

It’s runout season. Dealers are clearing this year’s stock before the 2027 models arrive, and there are savings to be had.

But check the build date. A car built in 2026 is still a 2026-built car, even if you buy it in 2027. That can affect what you get when you sell or trade it in.

How much it matters depends on how long you keep it. If you’re planning to drive it for seven or eight years, the build year may matter less. If you tend to trade in after three, you’ll want a discount that makes up for the potential difference in resale value.

Ask whether an updated model is coming, too. Better safety features or newer tech could make the outgoing model less appealing when it’s time to sell.

If the price is right, a runout model can be a good buy, especially if you plan to keep it for years!

29/10/2026

Found the perfect van for summer? Before you sign, check your car can tow it!

Your car’s owner’s manual lists its towing capacity and maximum tow ball weight. You need to stay within both limits.

Check the van’s weight with water, gas and all your gear on board; not just its empty weight in the brochure. You’ll find its maximum allowed loaded weight on its plate or in the manufacturer’s handbook.

If you’re close to the limits, or your car can’t tow the van, you may need a bigger tow vehicle too. Plan both purchases together so you know the total repayments before committing to either.

Get it sorted now so you’re ready to hit the road when the school holidays start.

27/10/2026

A prime mover is a high-value asset, and not every lender treats it the same.

Some have limited appetite for heavy vehicles, especially for owner-drivers; others know the asset and industry well.

That difference matters: the right lender can protect your credit file and secure a better outcome!

Have the finance conversation before you commit to the asset.

25/10/2026

Most of the people who come to Dad’s Wallet have been referred by someone we have already helped.

That means a lot to us. When you recommend us to a friend, family member or another business owner, you are putting your name behind the introduction, and we do not take that lightly!

So, if someone you know is looking at a car, truck or equipment for their business, send them our way. We will take the time to understand what they need, find the right finance option and keep the process straightforward from start to finish.

22/10/2026

The lead-up to Christmas favours buyers ready to move; dealers clear current-year stock, but as the holidays near, more buyers show up and negotiating room shrinks.

Knowing your borrowing power and rate lets you jump on a good deal fast, rather than sorting finance after the fact. Get your numbers sorted before the rush!

*Rates start from 6.49% p.a. based on a current secured-car-loan advertised rate. Your actual rate, fees and approval will depend on the vehicle, loan structure and your individual circumstances. Rates are subject to change. Terms, conditions and lending criteria apply.

20/10/2026

A tough year can create an opportunity at tax time.

From 1 July 2026, eligible companies with turnover under $1 billion can carry an eligible revenue loss back against tax paid in either of the previous two years — claiming a refundable offset in their 2026–27 return instead of waiting to use it against future profit.

For a strong year followed by a tough one, that could mean cash back sooner, not just a deduction on the books!

Conditions apply: it's for corporate entities only, the loss must be revenue in nature, tax must have been paid earlier, and the offset is capped by the franking account balance.

Worth raising with your accountant if last year was tough. Get advice specific to your structure before committing.

General information only. Speak with your accountant about your situation.

18/10/2026

There often comes a point where the vehicles are sorted, the equipment is in place, and the premises become the next constraint.

Rent rises. The lease comes up for renewal. And you start to wonder whether buying the warehouse, yard or workshop makes more sense than continuing to pay for someone else’s asset.

Dad’s Wallet looks after vehicle and equipment finance. For commercial property, our sister brand, Lend & Co, specialises in helping businesses finance premises including warehouses, yards and workshops.

It is the same group and the same practical approach, so you can start the conversation from where you are now, not from scratch!

15/10/2026

If you use your ute in the business, consider business vehicle finance before signing up for a standard personal car loan.

A chattel mortgage is a common option.
You own the ute from day one, while the lender takes security over it. For GST-registered businesses, you may be able to claim the eligible business-use portion of GST in the BAS period that includes the purchase, rather than having it built into your repayments. The ATO also allows deductions for expenses including loan interest and depreciation, to the extent the vehicle is used for business.

You may also have more flexibility around the loan term and a balloon payment, which you can set with the vehicle’s expected value in mind when you plan to replace it!

The right option depends on your business structure, GST registration and how the ute will be used.

Speak with your accountant about your situation before you buy, and talk to us before you sign.
General information only.

13/10/2026

Every January, it happens: a perfect day on the water, plenty of jet skis around, and the thought that you nearly bought one the year before.

Then February rolls around, the weather changes and the plan gets pushed to “next summer”.

October is a good time to get organised. There is usually more stock around, and sorting finance early means you can be on the water for the full season, not just the last few weeks!

Finance can cover the jet ski, trailer and safety gear in one application. Terms are often shorter than a car loan, so repayments can look different, but the total cost may be less than a couple of years of hiring.

Address

2, 19-23 Hoddle Street
Richmond, VIC

Opening Hours

Monday	8:30am - 5:30pm
Tuesday	8:30am - 5:30pm
Wednesday	8:30am - 5:30pm
Thursday	8:30am - 5:30pm
Friday	8:30am - 5:30pm

Website

http://dadswallet.com.au/

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