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100% Heavy Vehicle Finance – No Deposit Truck Loans
We assist operators to maximise credit opportunities, minimise pressure on cash flow, optimise tax benefits with heavy vehicle funding to include 100% of the purchase cost. All with lower rates and individually sourced, negotiated and structured credit solutions.
As commercial vehicle lending specialists, we are fully across how the acquisition of new heavy vehicles can be a major decision and a major drain on cash flow. With our low rate 100% funding option, operators can preserve existing funding and achieve cost-effective, workable credit to facilitate the purchase and support the enterprise.
This won't affect your credit score
Compare Business Finance No Deposit Truck Finance Interest Rates
Heavy vehicles can be funded with a choice of credit products with interest rates varying across the selection. Buyers can compare our lower rates across our portfolio to assist with buying decisions and planning. Rates will vary depending on individual credit profiles and applications. For a confirmed quote, please contact us.
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Disclaimer: * The comparison rate displayed is calculated for a loan of $30,000 over 5 years. The results from this calculator should be used as an indication only. Quoted repayments are based on advertised rates and do not include lender fees and charges. Results do not represent either quotes or pre-qualifications for a loan. The specific details of your loan will be provided to you in your loan contract. It is advised that you speak with us so that we can provide you with advice that is tailored to your situation.
Today's best rate
Finance Equipment From
4.99 % Fixed
* The interest rate is calculated on a secured loan for commercial use, effective 17/05/2024 and subject to change. Warning: the interest rate is only true for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different interest rate.
Today's best rate
Finance Equipment From
4.99 % Fixed
* The interest rate is calculated on a secured loan for commercial use, effective 17/05/2024 and subject to change. Warning: the interest rate is only true for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different interest rate.
How to Compare No Deposit Truck Loan Options, Rates, Repayments
Is 100% funding the most suitable option for your purchase? Use our vehicle funding calculator to work up configurations of total credit amount, terms, balloon and compare credit products to assist with the decision.
- No Deposit Truck Loan Calculator
- Calculate repayments with and without deposit
- Compare Leasing with Chattel Mortgage with Rent-to-Own
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What is No Deposit Truck Finance?
Financing a vehicle purchase without a downpayment or upfront payment is different from making a downpayment to the vehicle dealer or seller. Dealers will typically request some form of payment to secure the sale. 100% financing relates to the lending side of the transaction. It means including the complete purchase price in the funding as the total amount borrowed.
By including the total purchase cost in the credit, operators may ease pressure on cash flow which would have been used to make a down payment. Other benefits may also be realised. Buyers should also be aware that 100% vehicle funding means a higher amount than if a down payment is made. A higher total may result in a higher amount of interest payable over the full term of the credit.
- Include 100% vehicle purchase in No Deposit Truck Loan.
- Financing for full purchase cost of heavy vehicles.
- Preserve cash reserves for other purposes.
Access to Specialists to Secured Truck Financing No Deposit
Heavy vehicle funding is a large lending sector with many banks and non-bank lenders creating a competitive market. Cutting through the options can be a challenging task when taken on by operators. Using our specialist heavy vehicle lending services enables buyers access to experts to source their funding and negotiate lower rates and workable terms for 100% credit options.
Our brokers are highly skilled and understand financials and the latest tax rulings. Skills and resources which enable us to deliver cost-effective solutions which are tax-optimised for individual client objectives. Clients are assigned one of our brokers to provide a direct and clear channel of communication and expedite the process.
Where additional costs are attached to the vehicle purchase, speak with our brokers about how we may negotiate to include these expenses in the 100% funding solutions. Extra costs which may be included are expenses relating to customising the vehicle for buyer; preparing vehicle for delivery; additional technology and safety options and accessories; rego; and dealer delivery charges.
- 20+ years commercial lending experience.
- Australia-wide services from an Australian company.
- Sharp financial acumen, across latest asset tax rulings.
- Highly skilled, diligent and enthusiastic brokers.
- FBAA Member, Licensed Credit Provider.
Get the Right Lenders to Approve No Deposit Truck Loans
While many banks and lenders may offer 100% vehicle funding, the rates and approval criteria vary across the market. We have extensive lender market coverage with accreditation with more than 80 lenders. Our lenders include non-bank lenders that specialise in heavy vehicle credit.
We have the matrix that our lenders utilise for approvals and by using our smart technology we efficiently identify the right lender for each client and to suit the vehicle they are purchasing. We have lenders to suit all types of entities and all types of vehicles, new and used.
- 80+ lenders
- No deposit truck loans for all types of trucks – heavy, medium, light duty.
- Financing No Deposit Trucks for all leading manufacturers.
- No Deposit Truck Finance for cab only, cab and body, ready to work, vehicle and trailer, B doubles, semis and others.
Cost-effective No Deposit Truck Finance Solutions
We provide 100% purchase price heavy vehicle funding with our complete portfolio of asset acquisition funding facilities. The select of facilities vary in rates, balance sheet and tax treatment, accounting method compatibility and other accounting issues. We recommend that clients have a conversation with their accountant when making their choice.
Across our portfolio, we secure asset funding with fixed rates, fixed terms and fixed repayment schedules. Balloon and residual options are available.
- Chattel Mortgage No Deposit Truck Finance
- No Deposit Truck Leasing
- Commercial Hire Purchase No Deposit Truck Financing
- Rent-to-Own No Deposit Truck Loans
- Sole trader, self-employed, ABN, SME truck financing solutions
- Low Doc and No Doc Truck Finance solutions
Fast Approvals for No Deposit Truck Finance
Contact us to get your application started and for fast approval to secure your new vehicle asap.
FAQs
No Deposit Truck Finance
Funding without a downpayment means borrowing 100% of the purchase price of a vehicle.
When a dealer requests a holding deposit, typically the holding funds can be returned/refunded to the buyer when 100% of the purchase cost is settled by the lender.
Some brokers and lenders will approve accessories and options to be included in 100% vehicle funding. Subject to lender approval.
Yes. Where the vehicle and trailer are acquired as a single purchase from the same dealer, the total cost should be able to be included in the funding.
Buyers requesting 100% purchase price funding may select from Leasing, Rent-to-Own, CHP and Chattel Mortgage.
Buyers can use a online credit calculator to calculate estimates to assist with decisions around 100% funding.
Rates are subject to lender assessment and approval. The higher loan amount of 100% funding may influence the rate offer by some lenders. The rate will be subject to the strong financials and good credit profile of the applicant.
Yes. All features and benefits of the selected credit product are available with 100% purchase price funding.
Approval of 100% purchase price funding on used vehicles is subject to lender approval. The age, condition and value of the vehicle will be considered when an offer is prepared.
Where delivery charges are included on the invoice from the dealer for the vehicle, typically this cost could be included in the funding.
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Trusted by 60+ lenders Australia-wide
Trusted by 60+ lenders Australia-wide
