Truck Finance
Keep Your Fleet Moving.
Finance new or used trucks, semi-trailers, rigid trucks, and commercial vehicles. Specialist lenders who understand transport businesses.
$20K+
Finance from
1–7 years
Loan terms
New & Used
Vehicle condition
24 hrs
Approval time
What is Truck Finance and What Vehicles Does it Cover?
Truck finance is a specialist commercial vehicle lending product for owner-operators, fleet owners, and transport businesses purchasing new or used trucks, prime movers, trailers, and other heavy vehicles. It can be structured as a chattel mortgage, finance lease, or hire purchase depending on your business needs. If you also need plant and machinery finance for site equipment, or are looking for lighter car finance options, we can assist across both. We also provide broader equipment finance for transport operators.
New Truck Finance
Finance a brand-new truck from any dealer or manufacturer with competitive rates and flexible terms.
Advantages
- Competitive new vehicle rates
- Dealer invoice accepted
- Up to 100% finance available
- Balloon/residual options available
Used Truck Finance
Access finance for quality used trucks and commercial vehicles with specialist lenders who assess applications on their merits.
Advantages
- Trucks up to 15 years old considered
- Private sale and dealer purchases
- Fast valuation process
- No deposit options available
Semi-Trailers & Heavy Vehicles
Specialist finance for semi-trailers, B-doubles, road trains, and all heavy combination vehicles.
Advantages
- All heavy vehicle categories
- Semi-trailers and B-doubles
- Road trains and prime movers
- Flexible repayment structures
Fleet Finance
Finance multiple commercial vehicles under a single facility for owner-operators scaling up or established transport businesses.
Advantages
- Multiple vehicles in one facility
- Streamlined application process
- Volume discounts available
- Dedicated fleet finance specialist
How It Works
Get your truck financed in as little as 24 hours.
Tell Us What You Need
Share the details of the truck you want to finance, new, used, or heavy vehicle. Our 2-minute form captures everything we need.
We Match You
We compare our panel of specialist truck and commercial vehicle lenders to find the best fit for your business and vehicle type.
Receive Your Offer
We present you with tailored finance options including rate, term, and balloon structure. No obligation to proceed.
Drive Away
Once approved, your finance is settled directly with the dealer or vendor. Get behind the wheel fast.
Common Questions
Who is eligible for truck finance?
Most Australian businesses with an active ABN are eligible. Lenders typically look for at least 6–12 months of trading history, though some specialist lenders will consider start-up transport businesses with relevant industry experience. Owner-operators and fleet operators are both welcome.
Are rates different for new vs used trucks?
Generally yes. New trucks attract lower interest rates because they carry less risk for lenders. Used trucks may have slightly higher rates depending on age, kilometres, and condition, but our specialist lenders offer competitive options across both categories.
Can I include a balloon payment on truck finance?
Yes. Balloon or residual payments are common in commercial vehicle finance and can reduce your monthly repayments. The balloon amount is typically set as a percentage of the purchase price and is due at the end of the loan term. We can structure your loan with or without a balloon.
Can I finance a heavy vehicle over 4.5 tonnes?
Absolutely. We specialise in heavy vehicle finance including trucks, semi-trailers, prime movers, and road trains. Heavy vehicles are assessed differently from light commercial vehicles, and we work with lenders who understand these assets and the transport industry.
Are there fleet discounts for financing multiple trucks?
Yes. When financing multiple vehicles at once or building a fleet facility, lenders may offer better rates and streamlined processes. Speak with our team about your fleet requirements and we will match you with the most suitable lender for your situation.