Truck Loans for Transport Operators
Specialist truck loans, also known as truck finance, for Australian owner-drivers, fleet operators and transport businesses. BAS and contract income assessed directly. Prime movers, rigids, tippers, refrigerated units, curtainsiders, tow trucks and trailers funded through one chattel mortgage, finance lease or rent-to-own agreement.
- Pre-approval inside 24 hours
- $0 deposit for prime applications
- Wide specialist lender panel
- New, used, dealer or private-sale trucks
30-second check. No impact on your credit score.
Choose Your Industry
Choose the category that best describes your finance requirement.
No obligation. Soft credit check only.
Built for Operators, Backed by Specialists
Whether you are an owner-driver buying your first prime mover, a fleet operator replacing ageing units, or a transport business that has just won a new freight contract, Equifund matches you to lenders that read freight income and asset value correctly.
Who We Help
Specialist finance for every corner of the Australian transport industry.
Owner-Drivers Buying Their First TruckFleet Operators Replacing Ageing UnitsOperators Who Have Won a New Freight ContractOperators Refinancing Existing Truck LoansWhy Choose Us
Faster pre-approvals and terms built around your transport business.
Wide Panel of Australian Lenders, Not One Credit Template
We Move Quickly So You Are Not Left Waiting
Freight, Contract and BAS Income Assessed Directly
Support for Owner-Drivers and Complex Profiles
Which Truck Types Can I Get a Loan For?
Every major truck body type, financed through specialist lenders for prime ABN profiles.
Prime Movers
Truck loans for prime movers running linehaul, B-double and road-train work, new or used, from every major brand.
Rigid Trucks
Truck loans for rigid trucks from light to heavy duty, covering metro deliveries through to regional freight runs.
Tippers
Truck loans for tippers used on civil works, quarry and construction sites, new, used or private sale.
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Refrigerated Units
Truck loans for refrigerated rigids and reefer units supplying cold-chain and wholesale logistics operators.
Curtainsiders
Truck loans for curtainsider trucks moving palletised freight across every Australian route, new or used.
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Trailers
Truck loans for semi-trailers, dog trailers and B-double combinations, bundled with your prime mover or standalone.
From Isuzu and Hino to Kenworth, Mack and Volvo, whatever the make or body type, if it is not listed here we can still arrange your truck loan.
Which Truck Loan Structure Is Right for You?
Five ways to structure your finance, each suited to a different goal and cashflow position.
Chattel Mortgage
You own the truck from the day finance settles, while your lender holds a mortgage over it as security until the loan is repaid. It is the most requested structure for GST-registered transport operators, since you can typically claim the GST back on the purchase price straight away and depreciation runs through your own business. Trucks over 1 tonne payload are exempt from the ATO car limit, so the full purchase price is generally deductible. A balloon payment can be added to lower your regular repayments if that suits your cash flow better.
Hire Purchase
Also known as rent to own, the lender owns the truck for the life of the agreement and you make fixed repayments to use it, with ownership transferring to you once the final payment clears. It suits owner-drivers who want the certainty of a fixed repayment structure, and the GST is spread across your payments rather than claimed as one lump sum upfront.
Finance Lease
Your lender retains legal title to the truck for the term of the lease while you use it in your operation, making regular lease payments that are typically fully tax deductible. At the end of the term you can make an offer to buy the truck, refinance the residual, or hand it back, giving you flexibility if your fleet needs change with your contracts.
Operating Lease
You pay to use the truck for an agreed term, and your lender carries the risk of its residual value, not you. It suits fleet operators who like to keep their trucks current, since bundled servicing is often included and you simply hand the truck back and roll into a newer unit when the term ends.
Unsecured Truck Loan
Funds are assessed against your business's trading position rather than security over the truck itself, so you can move quickly on a private sale or older truck a traditional lender might decline. It typically comes with a shorter term and can settle the same day, once your trading history has been pre-approved.
Depreciation and car cost thresholds set by the ATO. Credit licensing regulated by ASIC.
Clear Terms. No Unnecessary Complexity. Fast Outcomes.
A straightforward path designed to move you from application to pre-approval quickly.
Complete the Form in 60 Seconds
Tell us about your transport business and the truck you are financing through our secure online form.
Speak With a Truck Loan Specialist
An Australia-based truck loan 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 and contract 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.
Real Results for Real Operators
See how Australian transport operators are getting truck loans, even with complex profiles.
What Other Equipment Can I Finance?
Equifund finances every major commercial asset class for prime ABN profiles, backed by a wide lender panel.
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Apply for Your Truck Loan
Three quick steps. An Australia-based truck loan specialist gets back to you the same business day.
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Rated 5.0 on Google by Australian transport operators for fast pre-approvals, flexible terms and specialist service. 5.0 ★ · Real Google reviews
Have Questions?
Straight answers to the truck loan questions Australian transport operators ask most.
What can I get a truck loan for?
Prime movers, rigids, tippers, refrigerated trucks, curtainsiders, tow trucks, crane trucks, tilt trays and trailers, new or used, dealer, private sale or auction.
What's involved in getting a truck loan for a semi truck?
Getting a truck loan for a semi truck works like any prime mover or B-double loan with Equifund. You apply with your ABN, we assess the business and the asset, then match you across a wide panel of specialist lenders. New, used, ex-fleet and private-sale semi trucks are funded on a chattel mortgage with $0 deposit for prime applications, with pre-approval typically inside 24 hours.
Do I need a deposit for a truck loan?
$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.
Can I get a truck loan for a used or ex-fleet truck?
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.
Do you provide truck loans Australia-wide?
Yes. We are an Australian truck loan team funding operators in every state and territory, from metro linehaul to regional and remote runs.
What's the difference between a chattel mortgage, rent to own and a lease?
A chattel mortgage gives you ownership from day one and the GST benefit upfront. Rent to own, also called hire purchase, spreads ownership over the term with fixed repayments. 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.
Can truck loan repayments be structured around seasonal freight?
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.
Can I claim the instant asset write-off or GST on a truck loan?
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. Consult your accountant to confirm your position.
Can I refinance an existing truck loan or do a sale-and-leaseback?
Yes. Refinancing 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.
Do balloon or residual payments work on a truck loan?
Yes. A balloon or residual lowers your monthly repayment by deferring part of the value to the end of the term. We structure it to suit your replacement cycle so it does not catch you out.
How long does a truck loan take to settle?
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.
Can I get a truck loan as an owner-driver with a short trading history?
Yes. Specialist lenders can assess your head-contract, the asset and your industry experience rather than requiring years of trading, which is how many first-truck owner-drivers get pre-approved.
Can I get pre-approved for a truck loan before I have signed the freight contract?
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.
Can I get a truck loan for multiple trucks or a whole fleet?
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.
What do I need to apply for a truck loan?
An active ABN, recent BAS or bank statements, the truck details, and any freight or head-contract agreement. We will confirm exactly what your lender match needs after a quick call.