Financetherig,finishthejob,getpaid.
Specialist truck finance for owner-drivers and small fleets. We know which lenders write what, and we'll structure the deal for your tax position.
Three reasons owner-drivers use a specialist broker.
Truck finance is a specialist game
Banks treat trucks like big cars. Specialist lenders treat them like commercial assets — and price them accordingly. Our panel includes the lenders who actually write trucks.
Chattel mortgage, hire purchase or operating lease
Different structures suit different operators. A chattel mortgage gets the GST claim in one hit; an operating lease keeps the truck off the balance sheet. We model both before you sign.
Settlement timed to your contract
Got a haulage contract starting Monday? We can usually settle a clean file inside a week. Replacing a truck mid-contract: we'll work with your existing financier on payout timing.
Loan basics.
Indicative shape for a typical owner-driver truck loan. Larger fleet operators and complex commercial structures go to dedicated commercial lenders at different terms.
- Loan term
- Up to 7 yrs
- Indicative rate
- From 6.99%
- Max amount
- $500k+
- Decision time
- 1–3 days
Who finances trucks with us.
- Owner-drivers replacing the prime mover or rigid.
- Small fleet operators (2–5 trucks) adding capacity.
- Subcontractors who've just won a haulage contract and need the equipment to fulfil it.
- Tradies stepping up from a ute to a small light commercial truck.
We run files across the majors and the specialists.
Different lenders price different combinations of asset, term and credit profile — that's the whole point of running a panel.
- Westpac
- CommBank
- ANZ
- NAB
- BOQ
- Pepper Money
- Capital Finance
- GoGetta
- Money3
- Liberty
- Plenti
- Firstmac
Three steps from contract to delivery.
- 01
Tell us the truck
Year, make, model, GVM, intended use. New or used, dealer or private.
- 02
Structure the deal
Chattel mortgage vs hire purchase vs operating lease — we explain the trade-off for your tax position.
- 03
Approval and settlement
Truck files take 1–3 days for assessment; settlement direct to the dealer or vendor.
Won a regional run for a major supermarket distributor. Needed the rigid on the road in 10 days. Londy had us approved through Capital Finance and settled with five days to spare.
Sample testimonial — replace with a real Google review before launch.
Common questions before you sign.
What's the difference between a chattel mortgage and a hire purchase?
Chattel mortgage: you own the truck from day one, the lender holds a charge over it, and you claim the GST upfront. Hire purchase: the lender owns it until the final repayment, and the GST is claimed across each repayment. Most operators choose chattel mortgage for the upfront GST cash flow.
Can I finance a used truck from a private seller?
Yes. Truck finance writes private sales on the same terms as dealer purchases. We'll need a PPSR clearance, current registration and a roadworthy where applicable. Settlement happens by EFT direct to the seller.
Do I need 2 years of business financials?
Not always. Established businesses (2+ years GST-registered) can usually get full-doc finance. Newer ABNs can use low-doc finance via specialist lenders, with bank statements or BAS in lieu of full financials.
Can you finance the truck and the trailer together?
Yes — we can structure as one combined facility or two separate loans depending on your tax position and the lenders' policies. Modular setups (prime mover plus trailer) often go to commercial-equipment specialists rather than truck-only lenders.
How does end-of-loan work — balloon, residual or fully amortised?
Truck loans frequently include a balloon (lump sum at the end) which keeps monthly payments lower but costs more in total interest. Some operators prefer fully amortised so the truck is theirs free and clear at the end. We'll show you both numbers before you sign.
Get a real rate from a real broker — usually back the same day.
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