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Enter your details and we will compare your current loan against 80+ lenders. Free, no obligation.
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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Enter the approximate amount you’d like to finance.
3%
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12 months
84 months
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60%
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
Your rate is above current market
If you are paying more than 8% on a truck loan taken out in the last 2 to 3 years, there is a strong chance we can find a lower rate from our panel of 80+ lenders.
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You want to cash out equity
If your truck is worth more than you owe, you can refinance for a higher amount and use the difference for business purposes. This unlocks capital without selling the truck.
Your business profile has improved
A new ABN or poor credit at the time of purchase may have meant a higher rate. If your trading history and credit have since improved, refinancing at a lower rate reflects your current position.
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You want to change the loan structure
Switch from variable to fixed, add or remove a balloon payment, extend the term for lower payments, or shorten it to pay off faster. Refinancing gives you a fresh start on terms that suit your current situation.
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Prime mover finance
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Rigid truck loans
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Tipper truck finance
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Refrigerated truck loans
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Light commercial vehicle loans
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Fleet vehicle finance
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Semi trailer finance
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Tipper trailer loans
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B-double set finance
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Refrigerated trailer loans
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Dog and tag trailer finance
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Specialty trailer loans
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Excavator finance
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Loader and dozer loans
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Crane finance
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Forklift loans
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Agricultural equipment
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Construction equipment
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Equity release on trucks
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Working capital from fleet equity
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Deposit funds for new purchases
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Business expansion capital
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Debt consolidation
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Tax payment funding
HOW THE PROCESS WORKS
How Truck Refinancing Works
A simple process: we assess your current loan, compare options, and handle the switch.
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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
Will I pay break fees if I refinance?
It depends on your current loan. Some lenders charge early termination or break fees, others do not. We calculate any br
How much can I save by refinancing?
A 1% rate reduction on a $200,000 truck loan with 3 years remaining saves approximately $3,300 in interest. Larger rate
Can I cash out equity when refinancing?
Yes. If your truck is worth more than you owe, you can refinance for a higher amount. The difference is paid to you as c
How long does truck refinancing take?
Typically 3 to 5 business days from application to settlement. We handle all the paperwork including the payout of your
Will refinancing affect my credit score?
A refinance application creates a credit enquiry, similar to any new finance application. The impact is minimal and temp
Can I refinance multiple trucks at once?
Yes. If you have multiple truck or equipment loans, we can consolidate them into a single facility with one repayment. T
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