Truck finance that moves you forward
Smarter funding solutions for businesses that don’t stand still
Don’t lose the next job because your truck isn’t ready
We compare 50+ Australian lenders to get you the best deal. Finance approved in as little as 24 hours. No obligation, and no impact on your credit score.
- Negotiate like a cash buyer and secure better deals
- Don’t lose the right truck because finance isn’t ready
- Get the lowest truck loan interest rates
- Avoid downtime that costs your business
How it works
We do the legwork so you don’t have to
Tell us what you need – prime mover, tipper, or delivery truck
We scan our lender offers to find your best match
You get a tailored finance option, usually within 24 hours
Our Lenders
Why businesses choose National Loans
Fast approvals when time equals money
Every day without the right truck costs you something — lost jobs, wasted hours, missed opportunities. That’s why most approvals happen within 24 hours.
50+ lenders competing for your business
Instead of one bank giving you a flat “no,” we put dozens of lenders in your corner. More options mean better odds, better rates, and faster approvals.
Backed by 2,800+ 5-star reviews
Thousands of tradies, owner-operators, and small business owners have trusted us – and left glowing reviews. That trust is hard-earned.
Specialists in tricky approvals
Bad credit history? Self-employed? We’ve seen it all. Where your bank hesitates, we find lenders who say yes.
One application today. One truck on the road tomorrow.
From one truck to a whole fleet, we’ll back your next big step
- Owner-Operator: Flexible loans built around your cash flow
- Fleets: Scale up fast with bulk purchase discounts
- Specialty Vehicles: Finance for tippers, refrigerated trucks, and more
- Start-Ups: Options available even without years of trading history
You’re in safe hands
With over 20 years in the business, 2800+ 5-star reviews, and strong lender partnerships, we’ve helped thousands of Australians finance the trucks they need to keep their business moving. You can too.
Invisible
Do I need a deposit?
No – most of our loans don’t require a deposit.
What if I have an existing loan?
We can refinance or structure around it.
How can I finance a truck in Australia?
There are several popular truck finance options available, each with different ownership, tax, and cash-flow implications:
- Chattel Mortgage – You take ownership of the truck upfront, while the lender registers a mortgage over it until the loan is repaid.
- Hire Purchase (HP) – You make regular payments to “hire” the truck, gaining ownership only after the final payment is made.
- Finance Lease – You lease the truck for a fixed term, with the option to purchase or refinance it at the end of the lease.
- Operating Lease – A rental-style agreement with no ownership option, best suited for those seeking off-balance-sheet financing.
The right structure depends on your business setup (sole trader or company), ABN status, and whether you prioritise tax efficiency, balance sheet treatment, or cash flow flexibility.
Can I finance a used truck?
Yes, up to 15 years old.
Vehicle-age limits vary by lender and product type:
- Standard lenders usually won’t finance trucks older than 10 years at the start of the loan.
- Specialist lenders may finance trucks up to 15 years old or more, especially if they’re in good condition with low hours.
Older trucks may require a higher interest rate or larger deposit.
How much truck finance can my business qualify for?
Most major lenders offer truck finance ranging from $10,000 to over a million, depending on factors like:
- The value of the truck
- Your deposit size (typically 10–20%)
- Your business revenue and ability to meet repayments
If you are looking to finance a larger fleet or a heavy-duty prime mover, specialist heavy-equipment lenders can tailor multi-million-dollar finance solutions to suit your needs.
Get my truck finance quote
Takes 2 minutes • No obligation • No credit impact
What happens next?
You get just one call from your dedicated truck finance specialist during business hours.