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

w

Tell us what you need – prime mover, tipper, or delivery truck

U

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.