Truck Finance Options
Finance for all truck types
From light commercials to heavy haulage, we've got you covered.
Light Commercial
Utes, vans, and light trucks under 4.5 tonnes. Perfect for tradies and small businesses.
Toyota HiLux, Ford Ranger, Isuzu D-Max, Mercedes Sprinter
Medium Rigid Trucks
4.5 to 15 tonne trucks for local delivery and distribution work.
Isuzu FRR, Hino 500, Fuso Fighter, UD Condor
Heavy Rigid & Prime Movers
Heavy vehicles and prime movers for interstate and long-haul transport.
Kenworth, Mack, Volvo, Scania, Western Star
Trailers & Bodies
Finance trailers separately or as part of a truck package deal.
Flat tops, tippers, refrigerated, curtainsiders, tankers
Specialised Vehicles
Tippers, concrete trucks, garbage trucks, and other specialised equipment.
Concrete agitators, hook lifts, crane trucks, tow trucks
Fleet Finance
Multiple vehicle purchases with streamlined approval and fleet discounts.
Small business fleets, courier vehicles, delivery fleets
Why Us?
Truck finance specialists in SEQ
We understand trucks and the businesses that run them.
ABN Specialists
We work with businesses of all sizes, from owner-operators to large fleets.
Competitive Rates
Access to 30+ lenders means we find rates that work for your business.
Fast Approvals
Same-day pre-approval available for straightforward applications.
Tax Benefits
We explain GST credits, depreciation, and structuring options clearly.
Finance Structures
Choose the right structure for your business
Different structures offer different tax benefits. We'll help you choose.
Chattel Mortgage
Most popular for truck purchases. You own the truck from day one with full tax benefits.
Best for: Most businesses & ABN holders
Finance Lease
Lease the truck with option to purchase at end. Lease payments are tax deductible.
Best for: Businesses wanting flexibility
Operating Lease / Rental
Rent the truck with no ownership obligation. Great for short-term needs.
Best for: Short-term or uncertain needs
Not sure which structure suits you? Let's chat and we'll explain the options for your situation.
The Process
How truck finance works
Simple steps to get your truck on the road.
Tell Us Your Needs
What truck? New or used? We'll discuss your business needs and budget.
We Find Options
We compare 30+ lenders to find the best rates and terms for your situation.
Get Approved
Pre-approval lets you shop with confidence, knowing your budget.
Settle & Drive
We handle the paperwork. You pick up your truck and get to work.
Who Can Apply
Truck finance for all situations
Whether you're established or just starting out, we have options.
Owner-Operators
Single truck operators
Small Fleets
2-10 vehicle businesses
Large Fleets
10+ vehicle operations
New ABN Holders
From 6 months trading
Tradies & Contractors
Utes and light trucks
Delivery Businesses
Couriers and logistics
Construction
Tippers and specialised
Agriculture
Farm trucks and equipment
Common Questions
Truck finance FAQs
Answers to the questions we get asked most often.
What types of trucks can I finance?
We can arrange finance for all types of trucks including light commercial vehicles (utes, vans), medium rigid trucks, heavy rigid trucks, prime movers, trailers, and complete fleet purchases. Whether you're buying new or used, we have lenders that specialise in commercial vehicle finance.
How much deposit do I need for truck finance?
Deposit requirements vary by lender and your circumstances. Some lenders offer zero-deposit truck finance for strong applicants, while others may require 10-20% deposit. ABN holders with good trading history often qualify for low or no deposit options. We'll find the best option for your situation.
Can I get truck finance with an ABN less than 2 years old?
Yes, we work with lenders who finance trucks for newer ABN holders. While some lenders require 2+ years trading history, others will consider businesses from 6 months old with the right supporting documents. Self-employed applicants and new businesses are welcome to apply.
What's the difference between chattel mortgage and lease for trucks?
With a chattel mortgage, you own the truck from day one and can claim GST credits and depreciation. With a lease, the lender owns the truck and you make rental payments (which are tax-deductible). Chattel mortgage is more popular for trucks as it offers better tax benefits for most businesses. We'll explain which suits your situation.
How long can I finance a truck for?
Truck finance terms typically range from 2 to 7 years. Longer terms mean lower repayments but more interest overall. For trucks, we often recommend 3-5 year terms to balance repayments with the vehicle's working life. We'll help you choose a term that matches your cash flow needs.
Can I finance trucks and trailers together?
Absolutely. We can arrange finance for truck and trailer combinations, whether purchased together or separately. Many of our clients finance their entire rig in one application, simplifying paperwork and often securing better rates for the combined purchase.
What interest rates are available for truck finance?
Truck finance rates typically range from 6% to 12% depending on the vehicle age, your business history, and credit profile. New trucks and established businesses usually attract the best rates. We compare 30+ lenders to find competitive rates for your specific situation.
Is truck finance tax deductible?
Yes, truck finance for business use offers significant tax benefits. With chattel mortgage, you can claim GST credits on purchase, depreciation, and interest. With operating lease, lease payments are fully deductible. We recommend consulting your accountant for advice specific to your business structure.
Get Started
Get your truck finance quote
Tell us about your truck and your business, and we'll find you the best finance options. No obligation, no credit check until you're ready to proceed.
Truck finance enquiry
Tell us about your truck and business needs.
