Mack 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 Mack trucks, from the Anthem and Trident highway prime movers to the Super-Liner and Titan for B-double and road-train work, the Granite vocational range and the Metro-Liner cabover. 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. Macks are built in Australia at Wacol for the toughest conditions in the country and earn their keep for decades, and we use that durability and resale strength to push for sharper terms across our panel of 80+ lenders.

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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 Mack

Established owner-drivers, linehaul operators, heavy-haulage subcontractors and vocational 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 or contract income, no residential property to offer as security, or a credit file marked from rate shopping. Whether you are stepping up to your first prime mover, adding a road-train set, or replacing an ageing tipper, 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-drivers & linehaul A single Anthem or Trident on contract or linehaul work. Assessed on the freight task and the truck, not a payslip or a house, with a brand built for the long haul behind the deal.
B-double & road-train operators Multi-combination interstate and outback work on the Super-Liner or Titan. Structured for high-GCM, B-double and road-train haulage that pays on the kilometre, not a flat month.
Vocational & construction Granite tippers, agitators and mixers for construction, councils and civil contracts that pay on progress claims, matched to how the work actually lands.
Fleets, distribution & refinance Metro-Liner cabovers for urban and waste work, fleet additions, or refinancing an existing Mack and restructuring a balloon before it falls due.

WHAT WE FINANCE

Mack Trucks We Finance

From Anthem and Super-Liner prime movers to Granite vocational and Metro-Liner cabovers.

Highway Prime Movers

Anthem & Trident

Anthem and Trident prime movers for single-trailer, B-double and regional to interstate linehaul, built in Australia for long-haul reliability and resale.

Heavy Haulage & Road Train

Super-Liner & Titan

The bonneted flagships for high-GCM B-double, road-train, oversize and mining haul across the toughest routes in the country.

Vocational & Construction

Granite

Granite tippers, agitators, mixers and severe-duty rigids for construction, councils and civil contracts that pay on progress claims, not flat months.

Cabover & Distribution

Metro-Liner

Metro-Liner cabovers for urban distribution, waste and weight-sensitive work, with the manoeuvrability and payload that matter where length and mass are capped.

Used, Ex-Fleet & Refinance

All models

Used, ex-fleet, private-sale and auction Macks, 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 Mack finance for ABN holders compares across your three funding options.

	Equifund, Commercial Finance Specialist	Major Bank	Dealer Finance
Who They Lend To	Established ABN holders, owner-drivers 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 Mack 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 Mack 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 Mack Finance Approvals Across Australia

Mack truck finance settled across 80+ Australian lenders, from owner-drivers to vocational fleets. ACL 389328.

"Stepped out on my own after years driving for a fleet. Wanted a low-k used Anthem for the Melbourne to Australian run. The bank looked at a fresh ABN and a single truck and said no. A lender that took the standing contract and the Mack's resale did the deal, and the truck's been earning from week one."

Owner-driver, linehaul

Wodonga, VIC

"Run a B-double set on a Super-Liner, general freight interstate. Needed to replace the prime mover before the maintenance got silly. Dealer finance pushed a structure that didn't suit how the lanes pay. Equifund found a lender that understood high-GCM work, and the new unit hasn't missed a turnaround."

B-double operator

Dubbo, NSW

"Road-train work out of the Territory, fuel and general into remote communities. The Super-Liner is the only thing that holds up out here. The bank didn't understand the seasonality of the runs. A specialist lender structured repayments to the contract, and we added a second set the next year."

Road-train operator

Katherine, NT

"Heavy haulage, oversize plant for the mines on a Titan. The right spec came up and they don't last long. The bank turnaround would have lost it. The lender pre-approved on the BAS and the asset, I committed with a number in hand, and the float's been booked solid since."

Heavy haulage

Mackay, QLD

"Tipper work on civil jobs, and the council contracts pay on progress claims, not flat months. Wanted a Granite to take on a second site. Dealer finance wouldn't match the cycle. The lender structured repayments to how the claims actually land, and we tendered for the next job knowing it worked."

Tipper, civil contractor

Ipswich, QLD

Owner-driver, linehaul

Wodonga, VIC

B-double operator

Dubbo, NSW

Road-train operator

Katherine, NT

Heavy haulage

Mackay, QLD

Tipper, civil contractor

Ipswich, QLD

"Had a Super-Liner with a balloon coming due and didn't want to hand it back, the truck's barely run in. Refinanced it through Equifund onto a structure that actually suits the lane income, kept the truck, and freed up a bit of room for a trailer upgrade."

Owner-driver, interstate

Tailem Bend, SA

"Waste and council collection on Metro-Liners, tight runs through the suburbs. Needed another cabover to take on a new contract. The bank wanted full financials every time. A specialist lender took the contract and the BAS, and we started the run on schedule."

Waste & council collection

Blacktown, NSW

"Cattle on the road trains, seasonal and brutal on gear. Needed another Super-Liner to hold the saleyard runs. The bank wanted property security for one truck. The lender that took the livestock contracts didn't, and the second unit picked up two more runs."

Livestock road-train

Roma, QLD

"Bulk and fuel haulage, six Macks across the fleet on different finance from different years. Refinanced the lot into one facility so the books make sense, freed up some room, and we've ordered a seventh for a new contract."

Small fleet, bulk haulage

Kalgoorlie, WA

"Concrete agitator on a Granite, new estate work meant we needed another barrel and 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

Tailem Bend, SA

Waste & council collection

Blacktown, NSW

Livestock road-train

Roma, QLD

Small fleet, bulk haulage

Kalgoorlie, WA

Concrete transport

Craigieburn, VIC

FAQ

Common Mack Truck Finance Questions

Straight answers to the questions Mack buyers ask most.

Which Mack models can I finance?

Every model, new or used: Anthem and Trident highway prime movers, Super-Liner and Titan heavy-haulage and road-train trucks, Granite vocational tippers, agitators and mixers, and the Metro-Liner cabover. Prime movers, tippers, agitators and other body types are all financeable.

Can I finance a used or ex-fleet Mack?

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

Does Mack's Australian build and durability help my finance?

It helps. Macks are built in Australia at the Wacol plant for Australian conditions and are known for lasting the distance in heavy-duty and road-train work. Lenders price partly on how well an asset holds value and how easily it can be serviced or resold, so a tough, well-supported brand like Mack can mean sharper terms and higher approval confidence.

Can I finance a B-double or road-train spec, including the trailers?

Yes. High-GCM Super-Liner and Titan prime movers set up for B-double or road-train work are core business for the specialist lenders on our panel, and trailers and dollies can usually be financed alongside the truck in the one facility so the whole combination sits under a single repayment.

Do I need a deposit?

Not always. Many established operators finance a Mack 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 Mack finance is available without full financials, assessed on bank statements, BAS and the asset. It suits owner-drivers and operators with contract or 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 Mack?

With a chattel mortgage you own the Mack 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, which matters when a low-hour Mack doesn't sit around for long.

Can I refinance or consolidate my existing Mack loans?

Yes. You can refinance an existing Mack 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 trailer, body or fit-out in the finance?

Usually, yes. Trailers, tipper bodies, agitators, mixers and other fit-outs can be financed together with the Mack prime mover or cab-chassis in one facility, so the whole working unit sits under a single repayment.