Can I get truck finance with a new ABN?

Yes — new ABNs get funded every week. Lenders look harder at the work behind the deal: contracts, work orders, or a solid history in the industry count for a lot. A modest deposit helps. See our new ABN finance guide for the full picture.

What deposit do I need for a truck?

Some deals need no deposit at all. Used trucks, new ABNs and private sales often work better with 10–20%. If you have a deposit, great — if you don't, tell us anyway, because the right lender may not ask.

Chattel mortgage or lease for a truck — which is better?

For most owner-operators, chattel mortgage: you own the truck outright from day one and the lender holds security, which usually means the cleanest tax treatment. Leases can suit businesses that want the repayments fully off-balance-sheet. Your accountant confirms the details; we'll walk you through the mechanics either way.

Can you finance a private-sale truck?

Yes. Private sales need a bit more paperwork — a written valuation, sometimes a mechanical inspection — but we do them regularly. Tell us the truck and the seller and we'll tell you exactly what the lender needs.

How long does truck finance approval take?

Most approvals land inside 24 hours once we have the basics. Complex deals — new ABNs, private sales, big fleets — can take a day or two longer. You'll never be left wondering; we answer the phone.

Finance

Truck finance, done properly.

Truck finance for owner-drivers and fleets — prime movers, rigids, tippers and refrigerated. 40+ lenders, 24-hour approvals, plain-English answers. Brisbane-based, Australia-wide.

A truck is how you earn. Whether it's your first rigid or you're adding the next prime mover to the fleet, the finance shouldn't be the hard part. We arrange truck finance for owner-drivers, small fleets and transport businesses every week — and we do it in plain English, on the phone, with a straight answer.

One conversation with us puts your deal in front of 40+ lenders, including the major banks where you qualify and specialist transport lenders where the deal needs a bit more shaping. Same truck, same repayments logic — just the right lender the first time.

What we finance

If it hauls, we've probably funded one this month. That includes:

Prime movers and cab-overs, new and used
Rigid trucks — tippers, flat tops, pantechs, cranes
Refrigerated trucks and trailers
Trailers — tautliners, skels, low-loaders, tankers
Fleet deals — multiple trucks on one approval

How truck finance is structured

Most truck deals are a chattel mortgage — you own the truck, the lender holds security over it, and you claim what you're entitled to claim come tax time. Hire purchase and finance leases work for different setups; rentals suit some operators.

We'll tell you which structure fits your business and why — in one sentence, not a brochure. Balloon payments and residuals can be built in to keep weekly repayments down, and terms run from 12 months to 7 years depending on the asset and your preference.

What lenders actually look at

Forget the horror stories. Most truck deals live or die on four things:

Your ABN and how long it's been trading
The work — contracts, ongoing work orders or an established client base
The truck — age, condition, kilometres, and whether it's dealer or private sale
Your file — deposit (some deals need none), credit history, how the numbers stack up

Approval in 24 hours, not weeks

A shaped file gets an answer fast. Send us the truck details, your ABN and a bit about the work, and most approvals land within 24 hours. Settlement follows the paperwork, not the other way around.

Recent example from our desk: a $185K Kenworth, approved and settled in 36 hours because the file was complete before it went to the lender. That's the standard we work to.

Talk to a person

You can start right here — tell us about the truck in a couple of sentences and we'll come back with real numbers. Or just pick up the phone. Either way you're dealing with one broker from first call to settlement.

Tell us about the truck — make, model, price, and the work it's doing.

Average response under 2 hours during business hours.

Call 0410 817 873 Start your quote

FAQ