Looking to get behind the wheel of your next truck? Whether you're a one-man operation or managing a fleet, financing for trucking in Australia is a flexible, tax-effective way to grow your transport business without straining your cash flow.
At Equifund Financial Group, we specialise in offering truck finance options tailored to different business types — including sole traders and registered companies. With competitive truck loan rates and access to our free truck finance calculator, it’s never been easier to plan your purchase with confidence.
Truck finance allows business owners and operators to purchase a truck without paying the full amount upfront. You can borrow the funds you need, repay the loan over time, and often gain access to tax deductions and flexible terms.
Whether you’re buying a prime mover, tipper, refrigerated truck or tray truck, the right finance solution can make a big difference in how your business grows and manages expenses.
Truck loan rates are the interest rates charged on finance when you purchase a truck through a loan. These can vary based on:
Your credit history or business profile
The age and condition of the truck
Whether the truck is new or used
Your ABN age and trading history
Loan term and deposit
On average, truck loan interest rates in Australia range between 5.99% and 9.99% p.a.. At Equifund, we work with a panel of trusted lenders to ensure you get a rate that suits your profile and business needs.
Most businesses choose fixed interest rates for truck loans. These offer consistent repayments, making it easier to budget and plan ahead. Variable rate loans can fluctuate with market conditions, which may result in savings — but also pose a higher risk.
Our finance experts will walk you through the pros and cons, helping you decide on the best option for your situation.
If you’re self-employed or working as a sole trader, you might find it more difficult to access traditional loans. That’s where our sole trader truck finance options come in.
With fewer documentation requirements and fast approvals, you can get behind the wheel without the usual paperwork.
Typical requirements include:
ABN active for at least 6 months
Business bank statements or BAS
ID and basic contact details
Benefits for sole traders:
Low-doc options available
Quick turnaround (often within 24–48 hours)
No need for extensive financials
Flexible loan terms tailored to cash flow
We’ve helped hundreds of self-employed drivers access the vehicles they need to keep their business moving — and we can help you too.
If you operate a company or manage a fleet, your truck finance needs are more complex — and we’re fully equipped to help.
Company truck finance offers more flexible structures, tax-effective options, and may give access to better rates based on business performance.
Features include:
Balloon/residual payment options
Tax-deductible loan repayments
Financing for multiple trucks or fleet expansions
Tailored solutions for construction, logistics, and agriculture businesses
We’ll work with you to understand your goals, assess your documents, and match you with lenders who offer the right solution for your company.
Before applying, it’s important to get a rough idea of how much your repayments might be. That’s where our truck finance calculator comes in.
Input:
Loan amount
Interest rate
Loan term (e.g. 36 or 60 months)
Balloon payment (optional)
You’ll receive a quick estimate of your monthly repayments, helping you make informed decisions and budget accordingly.
👉 Try our truck finance calculator — it’s free, fast, and no personal info required.
We’re more than just a broker — we’re your finance partner. Here’s why businesses across Australia choose Equifund:
Nationwide service – from major cities to remote regions
Competitive truck loan rates
Sole trader and company finance options
Fast approvals with minimal paperwork
No upfront fees or hidden charges
Our goal is to get you approved quickly and on the road with a loan structure that suits your business.
Applying for truck finance with Equifund Financial Group is simple:
Submit your enquiry online
Provide your documents (ID, ABN, bank statements)
Receive pre-approval
Choose your truck and let us handle the paperwork
We’ll manage the process from start to finish, so you can focus on running your business.
Financing for trucking is a smart move for any business looking to grow without putting a dent in their cash flow. Whether you’re a sole trader or an established company, the right truck loan can open up new opportunities and keep your business running smoothly.
Use our truck finance calculator, compare truck loan rates, and talk to our friendly team to find a tailored solution that suits your needs.
📞 1300 464 805
📧 info@equifund.com.au