Ready to Apply With No Deposit?
Complete the form below.
FINANCE CALCULATOR
Get a quick estimate so you know exactly what to expect before speaking with a specialist.
Loan Calculator
Estimate your repayments before speaking with an Equifund specialist.
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12 months
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Percentage of the loan left owing as a final lump-sum (balloon / residual).
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Approx. weekly
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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.
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
Submitting this form does not lock you into finance.
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$50M+ in equipment financed
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3x faster decisions than major banks
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Dedicated support to find the best solutions
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ASIC licensed & regulated
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Trucks
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Semi-Trailers & Trailers
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Refrigerated trucks
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Excavators & Loaders
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Cranes & Site Machinery
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Trailer Trucks
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Tractors & Harvesters
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Yellow Goods
Skid Steers & Access Equipment
Genuine zero deposit from select lenders
Not all lenders advertise no deposit options. We know which ones do and what criteria they require. This saves you time and avoids unnecessary credit enquiries with lenders who would decline.
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Stronger applications get better terms
Clean credit, established ABN, and a truck from a major brand are the three factors that most improve your chances of no deposit approval. Even without all three, we often find solutions.
New trucks from dealers often qualify
Dealers with relationships to certain lenders can facilitate no deposit deals more easily than private sales. If you are buying from a dealer, your chances are higher.
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Used trucks may need a small contribution
For older or higher risk trucks, lenders may request a small deposit. We always look for the lowest deposit option and will tell you upfront what is achievable.
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New Kenworth, Mack, Volvo, Scania
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Used prime movers under 5 years
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Day cab and sleeper configurations
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B-double and road train rated
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Owner-driver first trucks
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Fleet additions and replacements
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New Isuzu, Hino, Fuso, UD
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Used rigids from all brands
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Tippers, pantechs, tautliners
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Crane trucks and service bodies
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Refrigerated trucks
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Light to heavy duty
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Utes and dual cabs
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Delivery vans
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Service vehicles
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Tray backs and cab chassis
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Tradie vehicles
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Small business fleet
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Semi trailers with prime mover
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Tipper and dog combinations
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B-double trailer sets
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Flat top and drop deck
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Curtain side and tautliner
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Refrigerated trailers
HOW THE PROCESS WORKS
How No Deposit Approval Works
A straightforward process from enquiry to approval.
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Complete the Form
In 60 Seconds
Provide us with some basic information about your business and financing requirements via our secure website.
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Speak With an
Industry Specialist
Your brokers assess your requirements and guide you through gathering the right documents to secure approval quickly.
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Get Pre-Approved
Over the Phone
Receive a clear pre-approval with transparent terms and repayment options that suit your cash flow.
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Financing
Secured
Your finance broker will work with you to source the best funding offers available and guide your application to success.
Barinder Singh
Transport Operator
Non-property owner
No deposit
24hr turnaround
2025 Tipper Trailer
Transport
$150,000
Barinder needed a new tipper trailer to keep up with growing contract work but didn’t own property and didn’t have a deposit available. Traditional lenders declined the deal based on security requirements.
We structured the finance around the strength of the business income and the asset itself, delivering approval and settlement within 24 hours so the trailer could be put straight to work.
Neil Johnson
Earthmoving Contractor
Low Doc
24hr approval
2005 CAT Excavator
Contractor
$60,000
Neil was purchasing a used excavator to support ongoing civil jobs but needed a simple low-doc solution without extensive financials slowing the process down.
We secured approval within 24 hours using a streamlined low-doc structure , allowing him to secure the machine before another buyer stepped in
Bradley Moore
Owner-Driver
Private sale
Low Doc
24hr approval
2019 Scania Truck
Contractor
$100,000
Bradley found the right truck through a private seller and needed fast finance to avoid losing the deal. The transaction structure made traditional lenders hesitant.
We arranged a low-doc facility tailored to a private sale purchase and delivered approval inside 24 hours, enabling Bradley to secure the vehicle and get back on the road generating income.
Barinder Singh
Transport Operator
Non-property owner
No deposit
24hr turnaround
2025 Tipper Trailer
Transport
$150,000
Barinder needed a new tipper trailer to keep up with growing contract work but didn’t own property and didn’t have a deposit available. Traditional lenders declined the deal based on security requirements.
We structured the finance around the strength of the business income and the asset itself, delivering approval and settlement within 24 hours so the trailer could be put straight to work.
Neil Johnson
Earthmoving Contractor
Low Doc
24hr approval
2005 CAT Excavator
Contractor
$60,000
Neil was purchasing a used excavator to support ongoing civil jobs but needed a simple low-doc solution without extensive financials slowing the process down.
We secured approval within 24 hours using a streamlined low-doc structure , allowing him to secure the machine before another buyer stepped in
Bradley Moore
Owner-Driver
Private sale
Low Doc
24hr approval
2019 Scania Truck
Contractor
$100,000
Bradley found the right truck through a private seller and needed fast finance to avoid losing the deal. The transaction structure made traditional lenders hesitant.
We arranged a low-doc facility tailored to a private sale purchase and delivered approval inside 24 hours, enabling Bradley to secure the vehicle and get back on the road generating income.
Not Every Business Fits a Bank Template
Major banks often apply rigid policies that do not reflect how transport, construction or agricultural businesses actually operate.
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Asset value & condition
We consider the value, age, and condition of your asset, not just your credit history.
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Business use
Finance solutions tailored to how your equipment supports daily business operations.
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Deposit position
Low-deposit and zero-deposit options available for eligible applicants.
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Repayment capacity
Repayment plans structured around your cash flow and business revenue.
Check Your Eligibility
30-second check. No impact on your credit score.
Quick quotes, fast approvals
Is no deposit truck finance actually real?
Yes. Several lenders on our panel genuinely offer 100% finance with zero upfront deposit for qualifying applicants. It i
What do I need to qualify for no deposit?
The key factors are: clean credit history, ABN of at least 12 months (some lenders accept less), and purchasing a truck
Does no deposit mean higher interest rates?
Not necessarily. Strong applicants can get competitive rates even with no deposit. However, if your profile is borderlin
Can I get no deposit on a used truck?
Yes, though it depends on the truck's age, brand, and condition. Used trucks under 5 years from major brands regularly q
Do banks offer no deposit truck finance?
Most banks require a deposit of 10% to 20%. No deposit options are more commonly available through non-bank specialist l
Can a first time buyer get no deposit finance?
It is possible but depends on your credit history, experience, and the truck you are buying. First time buyers with clea
Still Have a Question?
If you can’t find the answer you’re looking for, give us a call and our team will be happy to help straight away.
1300 464 805