Truck finance
Finance the truck.
Keep it earning.
Truck and commercial vehicle finance up to $5M* through our lending network. Prime movers, rigids, tippers, reefers — all makes, new and used. New operators can finance from day one on a signed work contract.
*Subject to lender credit criteria.
Get a quote
2 minutes · No credit check · Free
*Subject to lender credit criteria. Funds typically within 24–48 hours of approval.
What we finance
Truck & commercial vehicle types
From a light rigid for metro delivery to a multi-trailer road train — our lending network finances every truck configuration on Australian roads.
All major makes: Isuzu, Kenworth, Volvo, Hino, Fuso, Mercedes-Benz, Mack, DAF, Scania, Western Star, Freightliner, MAN, Iveco, UD Trucks, and more. New and used, dealer and private sale.
Prime movers
Single and multi-trailer-rated cab-overs and conventional primes. Kenworth, Volvo, Mack, Scania, Western Star, Mercedes-Benz, DAF.
Rigid trucks (light/medium/heavy)
Light-duty Isuzu and Hino through to heavy-duty rigid day-cabs. General freight, furniture, building materials, waste.
Tippers
Single tippers, tipper & dog combos, side-tippers. Quarry, earthmoving, civil, demolition. All tonnages.
Tipper & dog combos
High-productivity vehicle combinations. Road-train and B-double tipper configurations for bulk haulage.
Concrete agitators
Transit mixers and volumetric units. Specialist body plus cab-chassis financed as a single package.
Curtain-siders & tautliners
Rigid and articulated curtain-side configurations for palletised freight. Rapid load/unload capability.
Refrigerated / reefer trucks
Temperature-controlled rigid and articulated units. Cold chain logistics, food distribution, pharmaceuticals.
Tow trucks & recovery vehicles
Flatbed tilt-trays, underlift wreckers, and heavy recovery vehicles. All body types and GVM ratings.
Food trucks & specialty
Custom-fitted food trucks, mobile workshops, service bodies, crane trucks. Body fit-out bundled into finance.
Truck-and-trailer combos
B-doubles, road trains, rigids with dog trailers. The full combination financed under one facility or split.
Trailers (commercial)
Flat-tops, drop-decks, low-loaders, tipper trailers, tankers, skeletal/skel, dog trailers, refrigerated vans. Standalone or bundled with the prime mover.
Commercial trailer finance
Our lending network finances commercial trailers as standalone assets or bundled with a prime mover under a single facility. All trailer types for commercial/business use:
Finance a trailer on its own, add a trailer to an existing prime mover facility, or finance the full truck-and-trailer combination as one package. Commercial use only — we don't finance recreational trailers (camper, boat, horse float).
Transport cash flow
Built for how transport businesses actually work
Transport operators don't have predictable monthly revenue like a retail shop. You're running on 30–60 day payment terms, burning fuel and tolls daily, and scaling trucks up and down with contract wins.
Our lending network understands this. Finance is assessed on the asset, the work secured, and the business trajectory — not just monthly bank averages or two years of perfect BAS.
How transport operators are assessed
Contract-driven: work contracts and signed freight agreements demonstrate revenue
Asset-secured: the truck itself is the primary security, reducing personal-guarantee requirements
Running costs understood: fuel, rego, insurance, tolls factored into serviceability
30–60 day payment cycles: lenders familiar with progress-claim and end-of-month freight settlements
Seasonal and contract peaks: assessed on capacity and pipeline, not just last month's average
Who it's for
Industries & operators
Every business that puts a truck on the road. Whether you're an owner-driver picking up your first prime mover or a fleet operator adding a tenth tipper, our lending network connects you to specialist truck finance.
New operators
Finance from startup — day one
You don't need years of trading history to finance your first truck. If you have a signed haulage contract, sub-contract, or work-source letter confirming ongoing freight, lenders in our network can get you on the road.
This is how owner-drivers start: a confirmed contract, a deposit, the right licence, and a lender who understands that a working truck pays for itself.
What new operators typically need*
Signed haulage contract, sub-contract, or work-source letter confirming ongoing freight
Deposit of 10–20% (varies by lender, truck value, and operator profile)
Evidence of funds for early running costs (fuel, rego, insurance, tolls, servicing)
Active ABN + HR/HC licence and relevant operator accreditation (NHVAS, CoR)
No full financials required — assessed on the contract and deposit
*Subject to individual lender credit criteria. Requirements vary by lender and deal size.
Used truck finance
Used & high-kilometre trucks
Both new and used trucks can be financed through our lending network, including private sales. Used trucks — especially higher-kilometre or older models — may carry a slight rate loading compared to new, and the lender will typically require an independent valuation or mechanical inspection to confirm the asset's condition and remaining useful life.
This is standard practice. It ensures the finance term doesn't exceed the truck's productive working life — which protects both you and the lender.
No-deposit options
No-deposit truck finance
For established operators with a clean credit profile and strong trading history, many lenders in our network offer no-deposit (100% finance) facilities. This allows you to preserve working capital for running costs while the truck is revenue-generating from day one.
No-deposit availability depends on the truck's value and condition, your time in business, and the overall deal structure. A specialist can advise on your specific scenario.
Rates & structures
Indicative truck finance rates
Rates vary by asset age, your operator profile, deposit, and lender. Below are indicative ranges — your actual rate is determined by the lender on assessment.
*Indicative only. Subject to lender credit criteria, asset condition, and borrower profile. Comparison rates available on request.
Finance structures available
Chattel mortgage
You own the truck from settlement. Claim GST input credit upfront. Interest and depreciation are tax-deductible.
Hire purchase
Ownership transfers at end of term. Payments may include a balloon/residual. Interest and running costs deductible.
Finance lease
Lender owns the asset; you use it. Payments fully deductible as an operating expense. Residual payable or refinanced at term end.
Rent-to-own
Lease with a $1 residual — you own the truck outright at end of term for a nominal amount. Simple structure.
Tax implications vary by structure and business entity. Speak to your accountant before choosing a structure.
Calculator
Truck finance calculator
Estimate your monthly truck repayments. Adjust the loan amount, term, and rate to model different scenarios. For an exact quote tailored to your truck and business profile, apply below.
Typical truck finance terms are 3–7 years, structured to the asset's useful life. Balloon/residual payments can reduce monthly costs if required.
Calculator is indicative only. Actual repayments depend on lender, rate, fees, and structure.
Repayment estimator
What will my loan cost?
Indicative only. Actual repayments depend on the lender, your business profile, and final loan terms.
How we work
Connected to specialist truck finance lenders
Avoir connects transport operators with specialist truck finance lenders and brokers in our network. We don't provide credit directly — we match your truck, business profile, and deal requirements to the right lender for your situation.
That means you get access to lenders who actually understand trucking: they know what a prime mover earns per kilometre, how tipper work cycles, and what a signed freight contract means for serviceability. Not a generalist bank assessor reading a spreadsheet.
One application. Matched to the right specialist. No shopping around.
Eligibility
What you need to apply
Requirements vary by lender and deal structure. Below are typical criteria across our lending network for truck and commercial vehicle finance.
*Subject to lender credit criteria.
Process
How it works
Tell us about the truck
Complete our short form with details about your business and the truck you want to finance — make, model, new or used, dealer or private sale, and approximate value.
We match you to a specialist
Your enquiry is matched to specialist truck finance lenders in our network based on the vehicle type, deal size, and your operator profile (new or established).
Receive your options
A specialist contacts you — typically same business day — with available structures (chattel mortgage, hire purchase, lease), indicative rates, and required documentation.
Settle and start earning
Once approved, funds are paid directly to the dealer/seller or into your account within 24–48 hours. Collect your truck and get it on the road.
By location
Truck finance across Australia
Our lending network covers all states and territories. Wherever your trucks run, we can connect you with a specialist lender.
FAQ
Common questions
Everything you need to know about financing a truck or commercial vehicle. Can't find your answer? Apply and a specialist will help directly.
Get a quote →How much can I borrow for truck finance?
Truck finance is available up to $5M through our lending network, subject to lender credit criteria. A light rigid might be $60,000–$120,000; a heavy rigid $150,000–$400,000; a new prime mover $300,000–$700,000+. The amount is based on the asset value and your operator profile.
Do I need a deposit? Can I get no-deposit truck finance?
For established operators with strong trading history, many lenders offer no-deposit facilities. For new operators or higher-value units, a deposit of 10–20% is common. No-deposit options depend on the truck value, your time in business, and overall credit profile.
Can a new operator finance their first truck?
Yes. Many lenders in our network finance first trucks for new operators who have a signed haulage contract, sub-contract, or work-source letter confirming ongoing freight. A deposit of 10–20% typically applies, and the lender may require evidence of funds for running costs (fuel, rego, insurance, tolls). Subject to individual lender credit criteria.
Can I finance a used or high-kilometre truck?
Yes. Both new and used trucks can be financed, including private sales. Older or high-kilometre units may carry a rate loading and require an independent valuation or mechanical inspection. The lender assesses remaining useful life against the proposed finance term.
What are typical truck finance rates?
Rates vary based on the asset age, your operator profile, time in business, and deposit. Indicative ranges: new trucks for established operators from ~5.5–8% p.a.; used trucks from ~7–12% p.a.; new operators or low-doc from ~8–14% p.a. All rates depend on individual lender assessment. Request a quote for your specific scenario.
How do I estimate my truck repayments?
Use the repayment calculator on this page. Input the truck price, your preferred term (typically 3–7 years), and an indicative rate. The calculator shows estimated monthly repayments. For a tailored quote, submit an enquiry and a specialist will provide exact figures.
Can I finance a truck for personal use?
The finance products available through our lending network are for business or commercial use only. The truck must be used primarily for income-producing activity. Personal-use vehicles require a different type of finance.
What is rent-to-own truck finance?
Rent-to-own (sometimes called a finance lease with a $1 residual) means you make regular payments over the term and own the truck outright at the end for a nominal amount. Other structures include chattel mortgage (you own from day one) and operating lease (hand it back). Each has different tax implications — speak to your accountant.
Do I need full financials to apply?
No. For established operators, lenders typically assess applications on 3–6 months of bank statements — no full financials required up to certain limits. For new operators, a signed work contract replaces the need for trading history. This is commonly called low-doc or no-doc finance.
Can I finance a food truck or specialty vehicle?
Yes. Food trucks, mobile workshops, service bodies, crane trucks, and other specialty-fitted vehicles can be financed. The body fit-out can often be bundled into the finance facility alongside the cab-chassis, financed as a single asset.
Can I finance a trailer on its own, or a truck-and-trailer combo?
Both. Commercial trailers — flat-tops, drop-decks, low-loaders, tippers, tankers, skel trailers, dog trailers — can be financed as standalone assets or bundled with a prime mover under a single facility. You can also add a trailer to an existing truck finance arrangement. Commercial/business use only; recreational trailers (camper, boat, horse float) are not covered.
Related pages
Ready to finance?
Get the truck earning.
Not sitting on someone else's yard.
Two-minute application. No credit check to start. A specialist who understands trucks and freight will be in touch — typically same day.