Hino Truck Finance Australia | $0 Deposit, 80+ Lenders

Loan Calculator

Estimate your repayments before speaking with an Equifund specialist.

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Annual interest rate 8.00% p.a.

3% 18%

Term 60 months

12 months 84 months

Balloon / residual 0% of loan

0% 60%

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This calculator provides an estimate only and does not constitute an offer of finance. Actual repayments will depend on your profile, lender and product.

Specialist finance for new and used Hino trucks, from the car-licence 300 Series and its hybrid models through the 500 Series medium-duty range to the 700 Series heavy-duty prime mover. Equifund matches your application to the lender that scores trucks on freight income, contract work and asset value, not a one-size-fits-all credit template. Hino's Toyota-group engineering and nationwide dealer and service network protect resale and keep trucks earning, and we use that strength to push for sharper terms across our panel of 80+ lenders.

Check Eligibility Now Get Pre-Approved

30-second check. No impact on your credit score.

Choose your industry

Choose the category that best describes your finance requirement.

Transport & Logistics

Farming & Agriculture

Construction & Earthmoving

Other

No obligation. Soft credit check only.

$50M+ financed in FY2025

Decisions in 24 to 48 hours vs major bank average of 5 to 10 business days

Dedicated Australia-based truck finance team

Australian Credit License 389328

WHO THIS IS FOR

For Operators Buying a Hino

Established Hino operators, owner-drivers, subcontractors and small fleets are often knocked back by banks, stalled in single-lender queues, or locked into one product by dealer finance. Usually it comes down to the same things: invoice-based income, no residential property to offer as security, or a credit file marked from rate shopping. Whether you are replacing an ageing 300 Series, adding a refrigerated 500 to the run, or stepping up to a 700 Series prime mover, the standard bank template rarely fits the job.

Your application goes to specialist transport lenders who assess freight income, asset value and trading history directly, in one structured submission with no multi-lender credit hits.

Owner-operators & sole traders Running a single 300 or 500 Series on ABN income for courier, trades, tipper or distribution work. Assessed on the contract and the truck, not a payslip or a house.
Growing distribution fleets Adding 500 Series medium-duty rigids, including refrigerated and curtain-sider, to hold grocer, venue and distribution runs. Multiple trucks structured in one application.
Vocational & heavy operators 700 Series prime movers and heavy rigids for linehaul, B-double, tipper and agitator work, with repayments matched to contracts that pay on progress claims.
Hybrid, used or refinancing Hino 300 Series Hybrid for low-emission metro fleets, ex-fleet and used Hino buyers, or refinancing an existing truck and restructuring a balloon before it falls due.

WHAT WE FINANCE

Hino Trucks We Finance

Finance the full Hino range, from a 300 Series light truck to a 700 Series prime mover.

Light-Duty

300 Series

Car-licence light trucks for couriers, trades, linen runs, tippers and refrigerated city delivery, with the reliability Hino is known for.

Medium-Duty

500 Series

The workhorse range for distribution, refrigerated freight, curtain-siders, beverage and vocational bodies, in Standard and Wide Cab.

Heavy-Duty

700 Series

Prime movers and heavy rigids for linehaul, B-double, tipper and agitator work on contracts that pay on progress claims.

Hybrid & Electric

300 Series Hybrid

Hino's diesel-electric hybrid and battery-electric light trucks for low-emission metro delivery and fleet sustainability targets.

Used, Ex-Fleet & Refinance

All series

Used, ex-fleet, private-sale and auction Hinos, or refinancing an existing truck and restructuring a balloon before it falls due.

Check If You Qualify

SPECIALIST vs BANK vs DEALER

Equifund vs Bank vs Dealer Finance

How Hino finance for ABN holders compares across the three places you can fund a truck.

	Equifund, commercial finance specialist	Major bank	Dealer finance
Who they lend to	Established ABN holders, sole traders to fleets, assessed on the business and the asset.	Prefers strong financials or PAYG strength, often backed by property.	Whoever is buying that brand at the desk, on a take-it-or-leave-it offer.
Income assessed	Freight, contract and BAS income. Low-doc for established ABNs, no full tax returns.	Full financials and tax returns usually required.	Limited, tied to the sale, not your wider business.
Lender choice	80+ Australian lenders matched to your deal.	One bank, one credit template.	One or two aligned financiers only.
Rate & structure	Market-tested rate, with balloon and 3 to 7 year terms and extra repayments.	Standard products with limited flexibility.	Rate loaded with dealer margin, and high balloons that flatter the monthly but cost more.
Used, private & auction	New, used, ex-fleet, private-sale and auction all financed.	Restrictive on used, private and auction buys.	Usually the dealer's own stock only.
Deposit & security	$0 deposit for prime applications, secured on the truck, not your home.	Deposit and often property security required.	Varies, frequently bundled with add-ons.
Pre-approval speed	Typically inside 24 to 48 hours.	5 to 10 business days on average.	Fast at the desk, but the offer is fixed.

HOW THE PROCESS WORKS

How Hino Truck Finance Works

A simple, secure online application, with honest advice from an Australia-based truck finance specialist you can trust.
No pressure. No hit to your credit score.

Complete the Form in 60 Seconds

Tell us which Hino you're after and a few basics about your business. Takes about a minute, with no documents to upload yet and no impact on your credit score.

Speak With a Truck Finance Specialist

An Australia-based truck finance specialist reviews your situation and walks you through the documents needed for the lender match.

Get Pre-Approved Over the Phone

You'll have a clear pre-approval often within 1 business day, with rate, term and repayment structure tailored to how your freight income actually flows.

Settle the Loan
and Take Delivery

Your specialist sources the strongest matched offer and coordinates settlement with the dealer, private seller or auction house.

RECENT SETTLEMENTS

Real Hino Finance Approvals Across Australia

Hino truck finance settled across 80+ Australian lenders, from owner-operators to mid-size fleets. ACL 389328.

"Run a courier and same-day business in the metro and the little 300 does six days a week. Needed a second one to take on a contract. The bank looked at the ABN and saw a one-truck operation. A lender that took the contract did the deal, and the second Hino paid for the new run inside a quarter."

Owner-operator, courier

Sunshine, VIC

"Fresh produce into independent grocers, five mornings a week on a 500 Series fridge body. Our bank wanted property security for one truck. The lender that took the standing produce orders as the case didn't, and we kept the second route we'd nearly handed back."

Refrigerated distribution

Adelaide, SA

"Twelve years carting palletised freight between regional centres. Wanted to replace an ageing rigid with a new 500 before the maintenance got silly. The bank still wanted three years of full financials. The non-bank took two BAS quarters and the rego history and got it across. Didn't lose a turnaround."

Owner-operator, general freight

Wagga Wagga, NSW

"Metro distribution fleet, and we're chasing emissions targets for the contracts we tender on. Put a couple of 300 Series Hybrids on to start the transition. Dealer finance only had the one structure. Equifund matched a lender that gets low-emission assets, and the running-cost savings help cover the repayments."

Metro distribution fleet

Parramatta, NSW

"Tipper work on civil jobs with a 500 Series, and the council contracts pay on progress claims, not flat months. Dealer finance wouldn't match the cycle. The lender structured repayments to how the claims land, and we tendered for a second site knowing the cashflow worked."

Tipper, civil contractor

Ipswich, QLD

Owner-operator, courier

Sunshine, VIC

Refrigerated distribution

Adelaide, SA

Owner-operator, general freight

Wagga Wagga, NSW

Metro distribution fleet

Parramatta, NSW

Tipper, civil contractor

Ipswich, QLD

"Stepped up to a 700 Series prime mover for the interstate run. Bought it with a balloon I needed to restructure before it fell due. Refinanced through Equifund onto a structure that suits the lane income, kept the truck, and freed up room for a trailer."

Owner-driver, interstate

Albury, NSW

"Picked up a tidy ex-fleet 500 at auction to go out on my own. You've got about a day to sort the money or you lose the deposit. The lender had it organised before the next dispatch, and the Hino's been covering its own repayment since."

Owner-operator, distribution

Logan, QLD

"Linen and laundry contract for a string of regional motels, so the truck is out six days a week. Wanted a second 300 to split the run. The bank saw seasonality that isn't really there. A lender that took the actual contract did the deal, and the second truck let us pick up two more motels."

Owner-operator, linen and laundry

Toowoomba, QLD

"Beverage distribution, and we run a small fleet of 500 Series curtain-siders. Refinanced three of them into one facility so the books make sense, freed up a bit of room, and we've ordered a fourth for a new account."

Small fleet, beverage distribution

Dandenong, VIC

"Concrete agitator on a 700 Series, new estate work meant we needed another barrel quick. Bank turnaround wasn't going to make the pour schedule. A lender that scores on active builder contracts took it, and we're on three estates with the same builder now."

Concrete transport

Craigieburn, VIC

Owner-driver, interstate

Albury, NSW

Owner-operator, distribution

Logan, QLD

Owner-operator, linen and laundry

Toowoomba, QLD

Small fleet, beverage distribution

Dandenong, VIC

Concrete transport

Craigieburn, VIC

FAQ

Common Hino Truck Finance Questions

Straight answers to the questions Hino buyers ask most.

Which Hino trucks can I finance?

Every model in the range, new or used: the 300 Series light-duty (including hybrid and electric), the 500 Series medium-duty in Standard and Wide Cab, and the 700 Series heavy-duty prime movers and rigids. Cab-chassis, tipper, pantech, refrigerated, curtain-sider and vocational bodies are all financeable.

Can I finance a used or ex-fleet Hino?

Yes. Used, ex-fleet, dealer, private-sale and auction Hino trucks are all financeable through specialist transport lenders on our panel. Hino's Toyota-group reliability and nationwide parts and service support help these deals, because lenders weigh the asset's residual value and serviceability in the approval.

Does Hino's reliability and dealer network affect my finance?

It helps. Hino is backed by Toyota-group engineering and one of the strongest dealer and service networks in Australia, which protects residual values and keeps trucks earning. Lenders price partly on how well an asset holds value and how easily it can be serviced or resold, so a well-supported brand like Hino can mean sharper terms than a thinly-supported one.

Can I finance a Hino 300 Series Hybrid or electric truck?

Yes. Hino's hybrid and battery-electric 300 Series are financeable like any other truck, and some lenders offer sharper terms or green-asset incentives for low-emission vehicles. They suit metro delivery fleets working toward sustainability targets, and we can structure the deal around the running-cost savings.

Do I need a deposit?

Not always. Many established operators finance a Hino with no deposit, securing the loan against the truck itself. A deposit or trade-in can lower repayments if you prefer, and we structure it around your cashflow either way.

Can I get finance on a low-doc or ABN-only basis?

Often, yes. For established ABN holders with a clean recent history, low-doc Hino finance is available without full financials, assessed on bank statements, BAS and the asset. It suits operators with invoice-based income who do not fit a bank's standard template.

What is the difference between a chattel mortgage and a finance lease on a Hino?

With a chattel mortgage you own the Hino from day one and the lender holds security over it, which suits most operators and can carry GST and depreciation benefits. With a finance lease the lender owns the truck and you lease it for a set term. Your specialist will explain which fits your structure, and your accountant can confirm the tax treatment.

How quickly can I get pre-approved?

Usually within 24 to 48 hours of a complete application, compared with the 5 to 10 business days a major bank often takes. Pre-approval lets you walk onto the dealer lot or bid at auction knowing your number.

Can I refinance or consolidate my existing Hino loans?

Yes. You can refinance an existing Hino to lower repayments, restructure a balloon before it falls due, or consolidate several truck loans into one facility, which frees up room for the next purchase.

Can I include the body or fit-out in the finance?

Usually, yes. Tipper bodies, refrigeration units, cranes, tail-lifts and other fit-outs can be financed together with the Hino cab-chassis in one facility, so the whole working truck sits under a single repayment.