Truck Finance Australia

 My Truck Finance helps Australian businesses, transport operators and owner-drivers compare finance options for new and used trucks, trailers and related commercial equipment.

Powered by the award-winning team at Natloans, we provide truck-finance assistance across every Australian state and territory using phone, email and secure digital application processes.

Whether you operate in a capital city, regional centre, mining community or remote transport corridor, our experienced finance brokers can help you explore suitable options and manage your application through to settlement.

Truck Finance Wherever You Operate 

Transport businesses operate across enormous distances and in very different industries. A metropolitan delivery operator may need a different truck and finance structure from a regional contractor, interstate freight business or agricultural operator.

Our Australia-wide service allows us to assist customers in:

• Victoria
• New South Wales
• Queensland
• Western Australia
• South Australia
• Tasmania
• Australian Capital Territory
• Northern Territory

You do not need to visit an office. Applications can generally be managed through phone consultations, email and secure digital document processes.

Finance Built Around Your Business 

The right finance structure depends on more than the purchase price of the truck. Lenders may consider your business history, industry experience, financial position, intended vehicle use and the type and age of the asset.

Our brokers take the time to understand:

• The truck, trailer or equipment being purchased
• Whether the asset is new or used
• How it will be used within the business
• The purchase price and proposed deposit
• Your business history and industry experience
• The financial information available
• Existing contracts and income
• Your preferred loan term and repayment structure
• Whether the purchase is through a dealer, auction or private seller

We can then approach suitable lenders from the Natloans panel and compare available options based on your circumstances.

Trucks and Commercial Vehicles We Can Help Finance 

Finance may be available for a broad range of commercial vehicles, including:

• Prime movers
• Rigid trucks
• Light and medium-duty trucks
• Tippers and dump trucks
• Refrigerated trucks
• Tow trucks
• Crane trucks
• Concrete agitators
• Waste and recycling trucks
• Delivery and logistics vehicles
• Agricultural and regional transport vehicles
• Multiple trucks and fleet purchases

The available finance options will depend on the vehicle, lender and strength of the application.

Trailer and Equipment Finance 

We can also assist with eligible trailers, machinery and related commercial equipment, including:

• Semi-trailers
• Flatbed and drop-deck trailers
• Refrigerated trailers
• Tipper trailers
• Tanker trailers
• Curtainside trailers
• Car-carrier trailers
• Livestock trailers
• Earthmoving equipment
• Plant and machinery
• Materials-handling equipment

Finance may be arranged for an individual asset or as part of a broader truck, trailer and equipment purchase.

New Truck Finance Australia 

Purchasing a new truck can help a business increase capacity, reduce maintenance downtime and take on additional work.

New trucks may offer current technology, manufacturer support and improved operating efficiency. Depending on the application, available finance structures may include different loan terms, deposit requirements and balloon or residual payment options.

Our brokers can explain how these features may affect your scheduled repayments and overall finance commitment.

Used Truck Finance Australia  

A used truck can provide a more affordable entry point for a first-time owner-driver or allow an established business to add capacity without the higher purchase price of a new vehicle.

When assessing used-truck finance, lenders may consider the vehicle’s:

• Age
• Condition
• Kilometres
• Purchase price
• Market value
• Intended use
• Remaining working life
• Proposed finance term

Finance may be available for eligible used trucks purchased from dealerships, auctions and private sellers.

Low-Doc Truck Finance 

Eligible self-employed applicants and businesses may be able to apply for truck finance without providing complete or up-to-date financial statements.

Depending on the lender, supporting information may include:

• Business bank statements
• BAS statements
• An accountant’s declaration
• Existing asset-finance repayment history
• Evidence of relevant industry experience
• Current or proposed contracts
• An active ABN and GST registration

Low-doc finance still requires appropriate documentation and credit assessment. Interest rates, deposit requirements and vehicle restrictions may differ between lenders.

Truck Finance for Owner-Drivers 

We assist owner-drivers purchasing their first truck, replacing an existing vehicle or expanding their operation.

Lenders may consider your industry experience, business history, contracts, available deposit, current financial commitments and the proposed use of the truck.

A first-time owner-driver with extensive driving and industry experience may require a different solution from an established transport operator with several vehicles and complete financial statements.

Our brokers assess the circumstances of each applicant before identifying potentially suitable lending options.

Finance for Regional and Rural Businesses 

Businesses outside Australia’s capital cities often have different vehicle and equipment requirements.

We can assist eligible businesses operating in industries such as:

• Interstate and regional freight
• Agriculture and livestock transport
• Mining and resources
• Construction and civil works
• Forestry
• Waste management
• Refrigerated transport
• Manufacturing and distribution
• Trade and service industries

Our digital processes mean that regional and rural customers can obtain broker support without needing to travel to a metropolitan office.

Truck Loan Refinancing 

If your existing truck-finance facility no longer suits your business, refinancing may allow you to review its structure.

Businesses may consider refinancing to:

• Change the remaining finance term
• Review regular repayments
• Restructure an upcoming balloon payment
• Consolidate eligible commercial-vehicle facilities
• Move to a facility better aligned with current cash flow

Refinancing does not automatically produce a better financial result. Payout costs, establishment fees, total interest and the remaining loan term should all be considered before changing facilities.

Finance is subject to lender eligibility, credit assessment and applicable lending criteria. Fees, charges and lending conditions may apply.