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Achieve Lower Truck Loan Interest Rates

Operators across all industries and with all types of enterprise structures can access our expert broker services to achieve lower rates on heavy vehicle funding. Achieving lower rates can mean lower repayments, less pressure on cash flow and improve the prospects for lifts in efficiency, profitability and realising ROI expectations.

Through our extensive coverage of the commercial vehicle lending market, connections with specialist vehicle lenders and sharp expertise, our brokers source the lenders that are best-placed to offer lower rates to each of our clients.

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Compare Our Truck Financing Interest Rates

Variations can be found in vehicle funding rates across the lender market, with the credit facilities, for new and used vehicles and for different applicant profiles. We consistently achieve lower rates across our portfolio as can be seen in our current rates. Use these rates as a guide to compare credit facility options and vehicle makes and models and contact us to obtain a rate quote, individually sourced to meet your application and acquisition.

Loan Amount Loan Term
Loan Product Interest Rate Monthly Repayment
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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.

30 September

Today's best rate

Finance Equipment From

4.99 % Fixed

* The interest rate is calculated on a secured loan for commercial use, effective 30/09/2023 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.

30 September

Today's best rate

Finance Equipment From

4.99 % Fixed

* The interest rate is calculated on a secured loan for commercial use, effective 30/09/2023 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.


Utilise Specialist Services to Secure Lower Truck Finance Interest Rates

Using our services is a straightforward with direct access without a referral. We are specialists in commercial lending with heavy vehicle funding one of our key areas. Over our 20+ years in lending, we have developed a highly valued reputation for lower rates and delivering workable, customised solutions.

Our operating model is designed to offer operators across Australia with access to specialist expertise in sourcing cost-effective vehicle funding based on a foundation of lower interest rates. Each client is assigned one of our brokers to handle their requirements from the initial enquiry through to settlement. Rates can vary at different time as a result of fluctuations in the market, changes in the economic forecasts and on individual lender analysis of individual industry sectors.

With our smart technology and capabilities, we are across these changes to ensure we know which lenders are offering the most competitive rates at any particular time. This knowledge and insights is invaluable to securing lower rates for our clients. To discuss using our services and achieving lower rates for your vehicle funding, simply call us or make contact online.

  • 20+ years of commercial lending experience.
  • Australian owned, based and operated broker company.
  • Specialists in lower rates on truck finance.
  • Direct access to comprehensive broker services.
  • FBAA Member, Licensed Credit Provider.


Get the Right Lenders for Lower Truck Loan Interest Rates

Securing lower rates on heavy vehicle funding can depend on connecting with the right lenders. Banks and non-bank lenders have their own guidelines and criteria for approving applications and for setting the rates that they will offer to individual applicants. We connect clients with the right lenders to provide opportunities to secure those all-important lower rates.

Our accreditations with more than 80 lenders include non-bank lenders that specialise in heavy vehicle funding. We know the matrixes used by our lenders which enables our brokers to efficiently connect clients with the lenders best suited to their application.

We match clients with lenders and we proceed to negotiate the best rates and funding terms and conditions on behalf of our client. Using the leverage we have built-up with our lender base to benefit our clients in lower rates and more cost-effective vehicle credit.

  • Access to 80+ lenders – major banks, specialist heavy vehicle non-bank lenders.
  • Industry-level channels to lower rates, more cost-effective truck loans.
  • Lenders to suit all types of entities and credit profiles.


Types of Truck Loan Interest Rates

Operators have the choice of credit facilities to fund new and used heavy vehicles and the interest rates vary across the selection. Rates may also vary for used vehicle compared with new and will vary with the specific details of each application. We provide solutions to suit all entities and all vehicle purchases.

  • Chattel Mortgage Truck Finance Interest Rates – across the market this attracts the lowest rate in asset acquisition funding facilities.
  • Truck Lease Interest Rates – typically slightly higher rates than Chattel Mortgage but we can secure highly competitive lease rates.
  • Commercial Hire Purchase Truck Finance Rates – typically on par with Chattel Mortgage but suits businesses using both cash and accruals accounting method.
  • Rent-to-Own Truck Loan Rates – higher rates than Leasing but with attractive tax deductions.
  • Competitive Low Doc No Doc Truck Loan Rates
  • Individually negotiated sole trader, self-employed truck financing rates
  • Competitive Start-up Truck Loan Rates
  • Lower rates for used truck loans


How to Use Our Truck Financing Rate Calculator

To plan vehicle purchases with credit, buyers can use our rate calculator to compare credit products and plan the structure for their funding. Enter the amount required for the funding, the rate for the preferred credit facility, balloon or residual and the preferred term. The calculator will automatically display the repayment estimate based on those values. Results displayed do not include lender charges and fees and any offer can be different from the amount shown.

For fast approvals and confirmed quotes, simply contact us via our online portals or by phone.

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FAQs
Truck Financing Interest Rates

Vehicle funding offers are arrived at with an individual assessment of each application by lenders. As credit profiles and other aspects of businesses can vary, offers can also be different.

Buyers can use lender advertised rates as the lowest current available values. The offer made to an individual enterprise will depend on the strength of the financials, credit profile and other application details.

Chattel Mortgage and CHP attract the lowest pricing across the commercial asset acquisition lending options.

Banks and lenders set their pricing based on individual guidelines and their own assessment of the economy, the strength of different sectors and their keenness to lend to a certain sector or on certain products such as heavy vehicles. This leads to variations across the market.

Operators without all the financials to meet lender criteria may seek No Doc and Low Doc funding providers. These options may be expected to be priced higher than the best possible offers. A specific quote will need to be requested to obtain an exact offer.

Buyers can use an online credit calculator to work up estimated repayments.

Used vehicles may attract different offers than new vehicles. The size, brand and configuration of new vehicles do not typically impact offers but the amount requested in relation to the credit profile of the applicant may impact an offer.

A better offer may be achieved by contacting other lenders, engaging the assistance of a broker or making amendments to the funding requirements or the financial position of the enterprise.

Pricing advertised by lenders is typically the lowest current available rate for new vehicles and good credit applicants with complete and strong financials. Where an applicant does not meet the lender criteria for the lowest pricing a different offer may be received. Lenders change their rates in response to market fluctuations and other aspects and the pricing may have changed since your application was processed.

Heavy vehicle funding is typically secured with fixed rates which are fixed for the entirety of the term and will not change with RBA decisions.

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Selfco Leasing
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Our Lenders

Trusted by 60+ lenders Australia-wide

Westpac
Liberty
Automotive Financial Services
Macquarie
Finance One
Commonwealth Bank
Pepper Money
Morris
National Australia Bank
RACV
Get Capital
Prospa
Grow
Selfco Leasing
Scottish Pacific