Configuration and age
Prime mover, rigid, light truck, trailer combination, build year and kilometres influence valuation and lender policy.
Business finance
Truck finance for new and used commercial vehicles
Tell us the truck specification, intended work, purchase amount and available business records.
- 50+ lenders in the panel
- Australia-wide
- Enquiry first — no application lodged
What affects your options
A truck request needs operating context
Configuration and purchase price are only the beginning. Lenders may also consider the work, business history and how the truck supports sustainable cash flow.
Work and industry
Existing contracts, operating experience and the type of freight or work can help explain the commercial use.
Deposit and equity
A cash contribution, trade-in and any payout on an existing truck change the amount and risk being financed.
Operating buffer
Registration, insurance, maintenance and downtime should sit outside the purchase repayment calculation.
What this finance may cover
- 01Prime movers and rigid trucks
- 02Light commercial trucks
- 03New and used vehicles
- 04Replacement or fleet growth
Compare costs and conditions
Look beyond the advertised rate
Compare repayments, fees, conditions and any final payment together. An estimate is not a lender quote or approval.
Open repayment estimatorRepayment schedule against expected cash flow
Valuation, age and kilometre conditions
Deposit, security and guarantee requirements
Balloon amount, total cost and early-payout rules
Documents you may need
Start without uploads. If you continue, a broker will explain which documents are relevant.
- 01Truck quote and specifications
- 02ABN and trading history
- 03Business income evidence
- 04Contract or work context when relevant
Common questions
About truck finance
Can owner-drivers seek truck finance?
Potentially. Assessment may consider experience, contracts, business history and the proposed vehicle.
Can a used truck qualify?
Potentially. Lenders often apply age, condition and valuation limits.