Truck Finance Australia

Prime movers, rigids, tippers, refrigerated trucks, curtainsiders, tow trucks, crane trucks, tilt trays and trailers, new or used, dealer, private sale or auction.

Pre-approval typically comes back inside a business day. Settlement happens once you have signed contracts and any final lender conditions are met. Specialist transport lenders read freight income and contracts directly, so they move faster than major banks.

$0 deposit is available for prime applications, especially established operators with active contracts. New ABNs may need a contribution, but $0 deposit on the right deal is common for operators with verifiable income.

Yes. Specialist lenders can assess on your head-contract, the asset and your industry experience rather than requiring years of trading, which is how many first-truck owner-drivers get approved.

Yes. Used, ex-fleet, dealer demo and private-sale trucks are all financeable. Major banks apply age cut-offs; specialist lenders look at condition, kilometres and service history.

A chattel mortgage gives you ownership from day one and the GST benefit upfront. Hire purchase spreads ownership over the term. A lease keeps the truck on the lender's books with set payments and an optional residual. We match the structure to your tax position and cashflow.

Yes. Seasonal and skip-month structures are common for operators whose income runs against harvest, produce or project cycles. The lender panel includes options that build repayments around how your freight actually flows.

Yes. A conditional pre-approval lets you quote the work and commit to the truck knowing the finance is in place, then settle once the contract is signed.

Yes. Multi-truck and fleet deals are common, funded as a package under a master facility rather than separate loans, which simplifies your repayments and reporting.

Yes. Refinance can lower your rate or restructure a balloon, and sale-and-leaseback frees up equity in trucks you own outright to fund the next unit.

Yes. A balloon or residual lowers your monthly repayment by deferring part of the value to the end of the term. We will structure it to suit your replacement cycle so it does not catch you out.

Trucks over one tonne payload are exempt from the ATO car limit, so the full value can generally be depreciated, and a chattel mortgage lets you claim the GST upfront. Confirm your position with your accountant.

An active ABN, recent BAS or bank statements, the truck details, and any freight or head-contract agreement. We will tell you exactly what your lender match needs after a quick call.

Yes. We are an Australian truck finance team funding operators in every state and territory, from metro linehaul to regional and remote runs.