Truck Finance & Truck Loans for Tradies and Small Business
Whether you're buying your first truck or adding to your business, Tradie Finance helps Aussie tradies and small business owners get the right truck finance fast and without the fuss. We specialise in rigid and vocational trucks up to 12 tonne and beyond: tippers, refrigerated trucks, removalist trucks, box trucks, curtain-siders and light to medium rigids. We also finance larger heavy-duty trucks when you need them.
Hold an ABN? Great - our low doc truck loans are built for owner-operators and small businesses who don't have years of full financials on hand. You work hard, you deserve a fair go on finance. Subject to lender criteria.
Quick, simple
Tradie Finance specialises in crafting financial solutions that align with your operational needs and budget constraints. Our services include:
New Truck Financing
Used Truck Loans
Low Doc Truck Loans
Truck Leasing Options
Refinancing Existing Truck Loans
Bad Credit Truck Finance
Our expertly structured finance options can seamlessly address your fleet financing needs, ensuring you get the most advantageous terms. With our guidance, you can overcome common financing hurdles, which helps you to focus on what you do best—running your business. Trust us to empower your transportation capabilities with tailored financial solutions.
Need a new truck for your business? Contact Tradie Finance at 1300 879 872 or our Contact Us page for custom truck finance solutions.
Our Flexible Truck Financing Services for Every Need
Explore the range of truck finance services we offer, designed to suit the diverse needs of your business. Whether you're looking to purchase new or used trucks, or need flexible leasing options, Tradie Finance has you covered.
New Truck Financing
Secure financing for new trucks with competitive rates and flexible terms. Ideal for businesses looking to expand their fleet with the latest models, our new truck financing helps you maintain cash flow while upgrading your capabilities.
Used Truck Loans
Our used truck loans offer affordable financing options for purchasing pre-owned vehicles. Benefit from lower purchase prices and reduced insurance costs while getting the reliability and performance you need.
Low Doc Truck Loans
Perfect for businesses with limited documentation, our low doc truck loans simplify the finance process. Get quick approvals without extensive paperwork, making it easier to acquire the trucks you need swiftly.
Truck Leasing Options
Lease the latest trucks without the commitment of ownership. Our truck leasing options provide flexibility and allow you to upgrade your fleet regularly, which helps you keep up with the latest technology and efficiency standards.
Refinancing Existing Truck Loans
Optimise your financial position by refinancing your existing truck loans. Lower your monthly payments or adjust your loan terms to better suit your current financial situation and future goals.
Bad Credit Truck Finance
Don't let a poor credit history stop you from expanding your fleet. Our bad credit truck finance solutions offer a pathway to financing even when traditional lenders have said no, helping you get back on track.
Why Truck Finance Is a Smart Move for Your Business
Truck loans are one of the smartest tools a tradie or small business owner can use. Here's why Aussies choose to finance their truck rather than pay cash upfront:
- Better Cash Flow: Keep your working capital in your pocket. Finance your truck and spread the cost over time, so you can take on more jobs without draining your savings.
- Tax Advantages: A commercial vehicle finance arrangement (like a chattel mortgage) may allow you to claim the GST upfront and deduct interest and depreciation - speak to your accountant.
- Access to the Right Truck Now: Get the truck your business needs today and grow faster. Don't wait until you've saved up.
- Flexible Terms: Loan terms, repayment schedules and balloon payments can be structured to suit your cashflow. Subject to lender criteria.
- Bad Credit Considered: Poor credit history won't automatically rule you out. We work with lenders who assess your full picture, not just a credit score.
How to Apply for Truck Finance
Applying for truck finance is a straightforward process designed to get your business moving without delay. Here’s how you can get started with Tradie Finance.
Visit Our Website:
Start by visiting our website Tradie Finance and explore our 'Truck Finance' section to learn more about the options available.
Prepare Your Documents:
Gather the necessary documentation, such as business financials, proof of income and vehicle information, if pre-selected.
Submit an Application:
Fill out the finance application form available on the website. Ensure all information is accurate to avoid any delays.
Consultation:
Once your application is submitted, one of our finance specialists will contact you to discuss your needs and help tailor the finance solution that best suits your business.
Approval and Agreement:
Upon approval, review and sign the finance agreement. Tradie Finance ensures transparency at every step so you understand all terms clearly.
Funding:
After the agreement is signed, funds will be disbursed, allowing you to proceed with purchasing your trucks and boosting your operations.
Why Tradie Finance Stands Out for Truck Finance
At Tradie Finance, we're here for tradies and small business owners who need a truck to do the job. Here's what makes us different:
- Personalised Service: We take time to understand your business and find the right truck loan for your situation.
- Flexible Terms: We match loan terms, repayments and balloon amounts to your cashflow. Subject to lender criteria.
- Low Doc Options: ABN holders and sole traders with limited financials are welcome.
- Fast Turnaround: We move quickly so your deal does not fall through. Subject to lender assessment.
- Broad Lender Panel: We compare across a wide panel to find you a competitive deal.
- No Jargon: We explain everything in plain English so you always know where you stand.
Truck Finance FAQs
How do I finance a truck?
Apply through a finance broker or lender who assesses your eligibility and finds a suitable loan. Tradie Finance handles the application, compares lenders and manages the paperwork. You'll need your ABN, ID and basic business details to get started.
Can I get truck finance with an ABN but low documentation?
Yes. Our low doc truck loans are designed for ABN holders without full financial statements. Approval may be possible using your ABN, bank statements or a self-declaration of income. Subject to lender criteria.
Can I get truck finance with bad credit?
Possibly. We work with lenders who consider applicants with impaired or limited credit history. Bad credit does not automatically disqualify you - lenders assess your overall situation, the asset and your ability to repay.
What is a chattel mortgage on a truck?
A chattel mortgage is a common way Australian businesses finance vehicles. You own the truck from day one while the lender holds a mortgage as security until the loan is repaid. It may offer GST and tax benefits. See our business finance page or speak to your accountant.
Does truck finance have GST implications?
Under a chattel mortgage, GST-registered businesses may be able to claim the full GST on the purchase price in their next BAS rather than spreading it over repayments. Always confirm with your accountant.
Can I finance a used truck?
Yes. We arrange used truck loans for pre-owned vehicles. Lender criteria around age, kilometres and condition may apply, but quality used trucks are commonly financeable.
How long does truck finance approval take?
Low doc applications can sometimes receive conditional approval within one business day. Full-doc applications are typically assessed within 2-5 business days. We'll keep you updated throughout.
What deposit do I need for a truck loan?
Many truck loans are available with no deposit required, subject to your credit profile and lender criteria. A deposit can sometimes improve your chances or help you access better terms.
How much do
Truck finance across Australia
We arrange truck finance for owner-operators, fleets and growing transport businesses Australia-wide — rigid trucks, prime movers, tippers, refrigerated and vocational trucks, new or used. Built for tradies and transport operators, but we finance everyone. Fast approvals, less paperwork, and a lending panel that understands commercial vehicles.
Truck finance guides
- Used truck finance: what lenders actually check
- How to finance a truck in Australia
- Chattel mortgage vs lease vs hire purchase
- Plant & machinery finance explained
- Truck finance repayment calculator
Related finance
- Chattel mortgage — the common structure for business truck finance
- Equipment finance for trailers, tools and plant
- Low-doc loans for ABN holders and the self-employed
Local truck finance
Truck finance in Brisbane · Truck finance in Gold Coast · Truck finance in Sunshine Coast · Truck finance in Toowoomba · Truck finance in Cairns · Truck finance in Townsville · Truck finance in Mackay · Truck finance in Rockhampton · Truck finance in Bundaberg · Truck finance in Hervey Bay
Tradie Finance operates under Australian Credit Licence 506065 (Five Tees Pty Ltd). Information is general only and does not constitute credit advice. Finance is subject to approval, lending criteria, terms, conditions and fees. Any figures are indicative and for business lending.
Further reading
Types of trucks we finance
Tradie Finance arranges finance on trucks of every size and body type, right across Australia. Whatever you drive or tow, there’s a lending structure to suit it:
| Truck type | Typical use | Learn more |
|---|---|---|
| Prime movers | Linehaul and heavy haulage | Prime mover finance |
| Tippers | Civil, earthworks and construction | Tipper truck finance |
| Rigids & light trucks | Local delivery and trades | How to finance a truck |
| Used trucks | Older or higher-km buys | Used truck finance |
| No / low deposit buys | Preserving working capital | No deposit truck finance |
How truck finance is structured: chattel mortgage vs CHP vs rental
Most truck finance is written one of three ways. The right structure depends on how your business accounts for GST and whether you want to own the truck outright at the end.
| Structure | Ownership | Best suited to |
|---|---|---|
| Chattel mortgage | You own the truck from day one; the lender holds a mortgage over it | ABN holders wanting ownership and potential GST/depreciation benefits |
| Commercial hire purchase (CHP) | Lender owns it until the final payment, then title transfers to you | Businesses that want fixed payments and eventual ownership |
| Rental / operating lease | You use the truck for a fixed term; return, refinance or buy at the end | Operators who prefer to keep trucks off the balance sheet and upgrade often |
An accountant can confirm which structure suits your situation. Tradie Finance works with a panel of lenders under Australian Credit Licence 506065 to match you to the right one.
Truck finance FAQs
Can I get truck finance with an ABN and no financials (low doc)?
Often yes. With an active ABN — sometimes as little as a few months registered — and evidence you can service the loan, low-doc truck finance can be arranged without full tax returns. Terms depend on the lender, the truck and your profile.
Can I finance a used or high-kilometre truck?
Yes. Used trucks are financed every day; the truck’s age and kilometres influence the term and rate rather than ruling finance out. Older trucks may sit on a shorter term.
Do I need a deposit for truck finance?
Not always. No- and low-deposit truck finance is available for eligible buyers, which helps preserve working capital, though a deposit or trade-in can improve your rate.
What affects my truck finance rate?
Your rate reflects the truck (age, type, value), your deposit, the loan term, your ABN and credit history, and whether the loan is secured by the truck. Rates are set case by case, not one-size-fits-all.