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Compare four ways to structure your XE finance — each with different cash flow and tax outcomes.
Own the XE from day one. Claim GST upfront & deduct interest.
Most popular →Lower repayments with a residual. 100% deductible payments.
Lower repayments →Off-balance-sheet. Return the truck at end of term or buy at residual.
Upgrade easily →Side-by-side repayments, GST and tax impact for your XE.
Compare now →Our brokers specialise in commercial truck finance — not personal loans or mortgages. We know what lenders want to see for Hino XE approvals.
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We arrange finance for businesses across every state and territory. Remote area and regional operations are welcome.
The Hino XE Series is a medium rigid truck trusted across Australia's Logistics, Construction, Retail, Refrigerated Freight sectors. With its proven reliability, strong residual values, and comprehensive dealer network, the XE is consistently one of Australia's top-selling commercial vehicles in its class. Whether you're purchasing new or looking at a quality used example, financing through a specialist broker gives you access to competitive rates from 40+ lenders — structured to maximise your tax position and cash flow.
The Hino XE is ideal for businesses operating in Logistics, Construction, Retail, Refrigerated Freight. Its primary applications include Urban delivery, Local construction, Refrigerated distribution, Fleet operations. With a GVM of 12.0 tonnes and a Hino A05C-T diesel engine producing 175 kW and 637 Nm of torque, the XE delivers the performance and efficiency these industries demand.
Owner-operators and fleet managers alike choose the XE for its predictable running costs, strong parts availability, and resale value that holds well in the Australian market. Access to a national dealer network for servicing reduces downtime risk and supports asset value at end of finance term.
With a GVM of 12.0 tonnes and an approximate payload capacity of 7.0 tonnes, the Hino XE is suitable for a wide range of body configurations including flat tray, tilt tray, curtainsider, refrigerated van, tipper, crane truck, and service body.
When financing accessories and body fitouts together with the chassis, your broker can often include the full cost in a single facility — simplifying administration and maximising tax deductions. Confirm the GST status and depreciation rules for modifications with your accountant.
The XE is powered by a Hino A05C-T 5.1L 4-cylinder diesel. With 175 kW of power and 637 Nm of torque, it handles the demands of loaded operation in Australian conditions. Fuel economy is approximately 16–22L/100km under typical load conditions, though this varies significantly with body configuration, load weight, terrain and driving style.
For businesses tracking total cost of ownership, fuel is often the largest variable operating cost after finance repayments. Selecting the right engine option and specification for your application can yield significant fuel savings over a 5-year finance term.
New XE models are typically priced from $135,000 including dealer delivery. Used examples in good condition range from $78,000 depending on year, kilometres and condition. Finance repayments for a new XE on a 5-year chattel mortgage start from approximately $621 per week based on current indicative rates.
The most common finance structures for the XE are:
The Hino XE is widely used across the following industries in Australia:
Ongoing operating costs for the XE include fuel (or electricity for the eCanter), scheduled servicing, tyres, registration, and insurance. Hino trucks generally have strong resale values in Australia due to high brand recognition and a broad dealer network. This is particularly relevant if you're considering a balloon payment at the end of your finance term — a higher residual reduces repayments but requires you to refinance or pay out the balance when the term ends.
Speak with your broker about setting an appropriate residual value. Setting a balloon too high can create a debt-to-value mismatch if the market softens. Your broker will know current XE residual expectations from lender panels.
| Hino XE Series — Key Specifications | |
|---|---|
| Make | Hino |
| Model | XE Series |
| Category | Medium Rigid Truck |
| GVM | 12,000 kg |
| Payload (approx) | 7,000 kg |
| Engine | Hino A05C-T 5.1L 4-cylinder diesel |
| Power | 175 kW |
| Torque | 637 Nm |
| Fuel Economy | 16–22L/100km |
| Price New From | $135,000 |
| Price Used From | $78,000 |
Specifications are indicative and may vary by variant, model year and market. Always confirm with your Hino dealer before purchasing or financing.
Indicative repayments based on a chattel mortgage at 6.69% p.a. — new truck, no balloon payment.
| Purchase Price | Deposit | Term | Weekly | Monthly |
|---|---|---|---|---|
| $135,000 (New) | $0 deposit | 5 years | $612/wk | $2,652/mo |
| $135,000 (New) | $13,500 | 5 years | $551/wk | $2,388/mo |
| $135,000 (New) | $0 deposit | 3 years | $958/wk | $4,151/mo |
Indicative estimates only. Actual repayments depend on credit profile, lender, rate and terms. Last updated June 2026.
Yes. Most lenders will finance used Hino XE trucks up to 10–15 years old at the end of the loan term, depending on condition and kilometres. A condition report may be required for older or high-kilometre trucks. Used XE trucks in good condition often represent excellent value and can be financed at similar rates to new stock.
Yes. An ABN is one of the primary requirements for commercial truck finance. For businesses with 2+ years trading, most lenders require recent BAS statements or tax returns. For newer ABNs (under 2 years), low-doc options may be available. Self-employed operators, sole traders, and companies can all access finance with an ABN.
It depends on the structure. With a chattel mortgage, you typically pay the full purchase price (including GST) and then claim the GST back in your next BAS. With a finance lease, GST is spread across repayments. Most GST-registered businesses prefer chattel mortgage specifically for the immediate GST recovery benefit.
Yes. Accessories such as tray bodies, refrigeration units, toolboxes, and other attachments can usually be included in the same finance facility as the XE chassis — provided the lender is satisfied with the total asset value. Financing accessories together with the truck simplifies administration and can improve your tax position.
Many lenders offer 100% finance (no deposit) for established businesses with clean credit. For startups or businesses with limited trading history, a 10–20% deposit may improve approval odds and your interest rate. Speak to a broker about the best approach for your specific situation.
For most GST-registered businesses, a chattel mortgage delivers the best outcome: immediate ownership, upfront GST credit, and the ability to claim depreciation and interest as business expenses. Finance leases and operating leases suit businesses that prefer lower monthly outgoings or plan to return the truck at end of term. Your broker and accountant can advise on the structure that suits your tax position.
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