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Cost-effective Solutions, Flexible Options for Semi Truck Loans
We provide operators acquiring heavy-duty vehicles with cost-effective funding and flexible options for prime mover only, vehicle and trailer combined and separate vehicle and trailer purchases. With our expertise in the commercial lending sector gained from 20+ years of experience and extensive coverage of the market, we have the proven reputation for delivering affordable, workable heavy-duty vehicle credit.
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Compare Business Finance Semi Truck Finance Rates
Commercial vehicle purchases are a major investment with an expectation of a profitable ROI being achieved. Our focus is on securing lower rates on all types of commercial credit to enable our clients to achieve their objectives. Rates offered vary across the lender market, across the selection of credit options and for individual operators. Our current rates can be used as a guide to compare options, vehicles and to assist with purchasing decisions. Contact us directly for a quote specific to your requirements.
| Loan Product | Interest Rate | Monthly Repayment |
| {{Loan Product}} | {{From - Advertised Rate}} {{Rate Type}} |
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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 21/05/2024 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 21/05/2024 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 Use Specialist Brokers to Secure Semi Truck Loans
Using our services to source vehicle funding can provide many advantages to all types of operators across all industries. We handle the entire procedure from the initial contact right through to settlement. That includes sourcing the lowest rates that suit the client’s profile; negotiating on the credit term to deliver repayments that meet cash flow requirements; structuring the solution to optimise current tax benefits; and assisting with settlements with lender and dealer.
Our services are easily accessible to all operators across Australia with referral needed. All types of set-ups and sized enterprises can utilise the expertise of our brokers as we offer specialist solutions for sole traders, owner-drivers, self-employed, start-ups as well as for large transport companies.
As an Australian owned, based and operated company, clients can connect with our brokers located in Australia, by phone or using our online resources and portals. Our services are comprehensive, thorough and detailed, with each client receiving prompt, individual attention and customised funding solutions.
- Australian owned, based, operated broker company.
- 20+ years of commercial lending expertise and experience.
- Specialist brokers in semi truck financing.
- Prompt, individual attention, customised solutions.
- FBAA Member, Licensed Credit Provider.
Access Lenders Specialising in Financing Semi Trucks
One of the major challenges facing many operators requiring vehicle funding is connecting with lenders that understand their industry and the specifics of heavy-duty vehicle acquisitions. We overcome that challenge with our extensive lender accreditations. Our lenders include the major banks, a selection of other banks and non-bank lenders including those specialising in heavy vehicle lending.
Through our brokers, clients have access to this vast lender base, providing opportunities to connect with the lender that is best suited to their profile and understands their market, the operation and knows the vehicle they are purchasing.
- Access to 80+ lender market – major and other banks, non-bank lenders.
- Expert semi truck finance lenders.
- Opportunity to connect with the right lenders.
Get Full Selection of Semi Truck Loan Types
Heavy vehicle buyers can select form our full portfolio of credit facilities to fund purchases. Our selection is suited to all brands, configurations of heavy vehicles including new fuel technologies. Where a vehicle and trailer are being acquired in the one purchase, our brokers can work to include both in the same funding option.
Where a vehicle and trailer are purchased separately, speak with our brokers about the most flexible solution. All options can be used for new and used vehicles but suitability to the set-up of the operation should be considered.
Credit facilities vary in regard to suitability to either the cash or accruals method of accounting; ownership of the vehicle during the credit term; interest rate; tax deductions; treatment of GST; and the approach taken to the balance sheet. We advise our clients to discuss the options with their accountant to ensure the credit product that will deliver the most effective outcomes is selected.
With each option we secure a fixed interest rate which is unchanged over the full term. Terms of up to 7 years/84 months are achievable and residuals and balloons are an optional choice. The repayment schedule is fixed and negotiated to meet cash flow projections over the term.
- Chattel Mortgage Semi Truck Finance
- Rent-to-Own Semi Truck Loans
- Semi Truck Leasing
- Commercial Hire Purchase Semi-Truck Financing
- New and Used Semi Truck Financing
- Fixed rates, Fixed Terms up to 7 years
- Semi only, semi & trailer combination financing
Semi Truck Loan Solutions for Self-Employed, Sole Traders, New Operators
We have lenders available to provide credit options for operators that do not meet all the lender criteria for approval. These include those just setting up as an owner-operator, those operating as sole traders and those without financials.
- Self-Employed Semi Truck Loans
- Sole Trade Semi Truck Financing
- Financing Semi Trucks New Operators
- Without Financials Semi Truck Loans
- Low Doc No Doc Semi Truck Financing
Get Fast Semi Truck Loan Approval, Pre-Approval for Auction Buyers
To support operators seeking to acquire vehicles quickly, we can provide fast application approvals, within 24 hours in some instances. For buyers looking to purchase at auction, pre-approval is available.
FAQs
Semi Truck Financing
Heavy vehicles can be financed with Chattel Mortgage, CHP, Rent-to-Own and CHP.
Not always. The age and condition of a used vehicle is considered by lenders as part of the application assessment process. The interest rate and terms and conditions for used vehicles can vary from offers for new vehicle funding.
Where a vehicle and trailer are offered as a single acquisition, a single credit contract may be obtained for the entire purchase.
The credit term is subject to lender approval. Terms of up to 84 months are typically available on heavy vehicle funding.
Rent-to-Own and Leasing payments are deductions. CHP and Chattel Mortgage deliver a tax deduction with the depreciation of the vehicle.
The fuel system should not impact the credit offer from the lender. The same funding products apply to all types of vehicles.
By using an online credit calculator, buyers can compare repayments for Leasing and Chattel Mortgage. Changing the interest rate to the relevant rate will change the repayment amount.
Yes. Pre-approved vehicle funding would be at the same interest rate as funding approved after purchase.
An online calculator does not include lender fees and charges and does not allow for variations in credit profiles. Any offer made can be different from calculator results.
New operators may not have all the financials to meet lender approval criteria. They may seek brokers and lenders that offer No Doc and Low Doc options.
Our Lenders
Trusted by 60+ lenders Australia-wide
Trusted by 60+ lenders Australia-wide
