Truck finance in South Australia is available to a wide range of applicants, including:

• Sole traders

• Partnerships

• Companies

• Self-employed individuals

• Start-ups with limited trading history

Even if you're newly established or have minimal documentation, we offer low doc truck finance options to help you secure funding.
👉 Learn more about truck loans for sole traders and companies on our main Truck Finance page.

Yes, we offer truck finance for both new and used trucks across South Australia. Whether you're buying from a dealer or through a private sale, our panel of over 80+ lenders ensures you get competitive options tailored to your needs.
Financing a second-hand truck is often more affordable and can help your business stay cash-flow positive.
👉 Use our Truck Loan Calculator to estimate your repayments before you apply.

Approval times vary depending on the lender and your application details. However, at Equifund Financial Group, we typically secure conditional approvals within 24 to 48 hours once all required documents are received. Low doc applications often require fewer documents, making the process even faster for sole traders and self-employed applicants.

We offer a variety of truck loan options to suit different financial needs:

• Chattel Mortgage – Own the truck while benefiting from potential GST and tax advantages.

• Truck Lease – Use the truck without ownership obligations.

• Hire Purchase – Flexible repayment structures leading to ownership at the end of the term.

• Low Doc Truck Loans – Perfect for businesses without full financials or new start-ups.

Each finance type has unique advantages depending on whether you prioritise ownership, cash flow, or tax benefits.
👉 For a detailed breakdown, visit our Types of Truck Finance Guide.

Not necessarily. Many lenders offer no deposit truck loans depending on your credit history, financials, and the truck’s value.
This means you can secure your truck without needing to put down a large upfront payment, allowing you to preserve working capital for other business expenses.

We can help you assess if you qualify for a no deposit truck loan and find the best option for your situation.

Yes! If you're expanding your fleet or upgrading multiple vehicles, we can structure a fleet truck finance solution for you.
By bundling your truck purchases, you may benefit from better interest rates and simplified management with a single monthly repayment.

Whether you need two prime movers or a mix of heavy rigid and tipper trucks, our experienced team can tailor a package that fits your business growth plans.

We offer truck finance across the entire state of South Australia, including but not limited to:

• Adelaide

• Mount Gambier

• Whyalla

• Port Augusta

• Port Lincoln

• Murray Bridge

• Victor Harbor

• Gawler

• Regional and remote areas

Our digital process means you can apply online or over the phone — no matter where your business is located.

The main difference lies in documentation and loan structuring:

• Sole traders often benefit from quicker applications and low doc options, particularly if they have strong bank statements.

• Companies may access higher loan amounts and have additional tax structuring opportunities, such as claiming GST on truck purchases under a chattel mortgage.

Regardless of your structure, we will advise you on the most cost-effective finance strategy.
👉 Find out more about sole trader vs company truck finance.

We offer a free online tool to help you estimate your repayments in minutes!
Use our Truck Finance Calculator to enter your loan amount, term, and interest rate to see an approximate monthly repayment.

Keep in mind, actual rates will vary based on the lender’s assessment of your credit profile and the asset you're financing.