Truck & trailer finance Australia-wide
From your first light truck to adding prime movers to the fleet, we arrange finance that keeps you on the road and cash flowing.
- ✓Light, medium and heavy rigid trucks
- ✓Prime movers, trailers and tippers
- ✓Owner-drivers, start-ups and fleets
Get a quick quote
Two minutes, no obligation. We'll call you back within one business day.
How truck finance works
Truck finance is usually a business loan secured by the truck, most commonly a chattel mortgage. Lenders look at the truck's age, use and value, along with your trading history and the work lined up for it.
New to owner-driving? Some lenders will consider newer ABNs if you have industry experience, contracts in place or a deposit. We'll be upfront about what's realistic.
Estimate repayments
What we can help finance
- Light commercial trucks and vans
- Medium and heavy rigid trucks
- Prime movers
- Trailers, tippers and refrigerated bodies
- Tow trucks and specialist vehicles
- Fleet additions and upgrades
What you'll usually need
- ABN and business details, plus your driver licence
- BAS and/or financial statements (low-doc may need less)
- Bank statements
- Truck details and the dealer invoice or seller's details
- Contracts or work history, if you're a newer operator
Every lender is different. We'll confirm exactly what's needed for your application.
Ways to structure it
Which option suits depends on how you'll use the asset, your income and your plans. We'll walk you through the pros and cons.
Chattel mortgage
The most common truck finance structure. You own the truck from day one.
Commercial hire purchase
The lender owns the truck until the final payment.
Finance lease
Lease the truck with an agreed residual at the end of the term.
Low-doc truck finance
For some established operators who may not have current financials. Lender criteria apply.
How it works
Tell us what you need
Send a quick quote or email us. We'll ask about the asset, the amount and your situation.
We compare options
We look at suitable lenders and loan structures and explain the trade-offs in plain English.
Apply with our help
We prepare and lodge the application and keep you posted until the lender decides.
Settle and get going
Once approved, we coordinate settlement with you and the seller or supplier.
Frequently asked questions
Can I get truck finance with a new ABN?
Possibly. Industry experience, a deposit, a contract or property can all help. We'll tell you which lenders are worth approaching.
Can you finance older trucks?
Lenders set their own limits on a truck's age. Tell us the year and model and we'll check.
Can the trailer be included?
Yes, a truck and trailer can usually be financed together or as separate facilities.
Are there balloon options?
Yes, many truck loans allow a balloon to reduce repayments. It means a lump sum at the end, so plan for it.
Ready to talk about your finance?
Tell us what you're buying and we'll do the legwork with lenders.