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Truck & Trailer Finance

We'll get you on the road sooner with our Low Doc options up to $500k and 'No financials' options available up to $150k!

Credit One specialises in arranging truck & trailer loans and leases to suit your business's needs ranging from 4WD's to prime movers & even buses.

We treat you as a person and are focused on helping your business suceed. When you deal with us, you deal with the same dedicated finance specialist every time. We become familiar with your business and ensure we are getting you to get the best finance deal for your individual circumstances.

Part of our dedicated service is ensuring you can manage repayments. Many transport businesses work on seasonal income so it is important to align your repayments with cash flow. We can arrange structured fixed repayments on terms up to 7 years. This assists with forward business planning and budgeting.

Discover why Credit One really is the quicker, smarter and friendlier way to finance by calling 1300 EFTEAM, email us on or obtain an online quote.


What are my repayments?

How much can I borrow?

At today's lowest truck finance rate of 6.99%,

you will pay approximately ...

Apply Online Now

At today's lowest truck finance rate of 6.99%,

you can borrow approximately ...

Apply Online Now

The information which you calculate from this Calculator is intended for use by you as a guide only. See more in our Disclaimer.

It is not an offer and has no legal effect on any contracts entered into by you ‘ the client’. This simulation and the resulting calculations do not constitute a loan application or offer. The figures and formulae used within this calculator may change at any time without notice.Should you apply for any Credit One product, we will make our own calculations and we will not necessarily take your calculations into account. All Interest rates are displayed ‘are guides ONLY’, repayments as a result of this simulation have no legal offering.Credit One accepts no responsibility for any losses arising from any use of or reliance upon any calculations or conclusions reached using the calculator.Information provided on this calculator does not constitute an offer of finance. Any loan request is subject to assessment against normal lending criteria. Fees and charges may apply. This calculation does not take into account any fees, charges or government taxes which may apply to either the calculation of the loan amount or the monthly repayments, such as GST or Luxury Car Tax (where applicable).

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Requirements for Truck Finance

All types of companies, business entities, and organisations can apply for truck finance, provided that they meet the minimum eligibility requirement of having a current ABN. Eligible applicants should also provide products or services that are primarily for business use (at least 50%).

Truck financing offers various loan options such as Chattel Mortgages, Commercial Hire Purchase (CHP), Asset Leasing or Operating Leases, and Rent-to-own/Rent-to-buy.

Depending on the type of truck loan, the loan term can range from 3 – 5 years, with shorter terms resulting in higher monthly repayments but a faster path to ownership or lease completion. Conversely, longer loan terms will require lower monthly repayments spread over more time to repay the loan and own the truck.

The Process for Getting Finance for Trucks

Getting a truck loan with the help of Credit One’s brokers can help you manage your business cash flow more effectively with a repayment plan that is tailored to your needs. Here are the specific steps to take in order to access truck financing:

  1. Set a budget for the loan

Before applying for truck loan, you should determine how much you want to borrow with a truck loan. Be sure to do your research on the type of trucks that you would like to purchase to get clear picture of the amount of funds you need for the purchase. You can also use a truck finance repayment calculator to get an estimate on how much you will need to pay for the loan each month.

  1. Review applicable loans

Once you have an idea of the funds you need for truck financing, our brokers at Credit One will work closely with you to obtain a list of loan terms from our wide network of approved lenders. We will find the best loan rate and terms for your business based on the information you have provided us.

  1. Submit a loan application

After reviewing the loan terms to ensure that they are agreeable with your business’s circumstances, Credit One can lodge the loan application on your behalf with the lender. Depending on the loan, you may be able to receive a pre-approval that allows you to start preparing for the truck purchase in advance before receiving the funds.

  1. Receive the funds and make repayments

Once the funds have been transferred to you, all that is left is for you to make the planned truck purchases. Your business will be required to continue making repayments for the duration of the loan term.

How Much Will I Be Able To Borrow?

How much your business will be able to borrow for truck financing will depend on several factors such as the type of loan, the term of the loan, and the frequency of your loan payments.

At Credit One, we can offer loans up to $500k for low-doc finance, where businesses provide self-declared and no-declared income assessments and assets. 'No financials' loan options are also available up to $150k.

What Kind of Trucks Can I Get a Loan For?

Credit One’s truck finance can enable your business to get on the road faster with all types of commercial vehicles from heavy-duty trucks to smaller vehicle models. Trucks that are suitable with our loan financing options include:

  • Box Trucks
  • Buses/Coaches
  • Compactors
  • Crate Trucks
  • Dump Trucks
  • Vans
  • Flatbed Trucks
  • Prime Movers
  • Refrigerated Trucks
  • Tipper Truckers
  • Water Trucks

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