Sole trader car loans, asset right-off, business losses vs depreciation

Hi,

My husband is a sole trader in a small business that is not registered for GST. Late June 24 he bought a new ute which is used for the business, there are some minor personal use like running to the shops or picking up my son from school here and there. The car was purchased with a 100% secured loan of $28,000.

My questions are:

1. Am I assuming correctly that because the car was purchased for $28000:
   •  we can't do a full asset write-off,
   • nor can we write-off $20000 and depreciate the $8000 balance?
   •  
2. regarding depreciation:
   
   • should I be using the Small Business Pool or the Simplified Depreciation rules?
   • what is the depreciation rate for 2024 for a used vehicle using either method?
   • for the small business pool rates is the first year a full calendar year or just from purchase date to EOFY?
   •  
3. and, what about the loan? This is a secured car loan, can I claim the loan repayments or just the interest charges?

We don't have an accountant or bookkeeper to consult with due to $$, so I would appreciate any help that I understand is not legally binding.

Thank you