Compare chattel mortgage, finance lease, and operating lease for prime movers, rigid trucks, and trailers. Fast approvals, 40+ lenders, competitive rates from 6.29% p.a.
From a single ute to a full fleet of prime movers — we arrange finance for every commercial vehicle type.
Long-haul semi-trailers and B-doubles. Finance from $100K to $1.5M+ with competitive rates.
8–14 tonne rigids for urban delivery, waste, and construction. Fast approvals.
Flat-top, curtainsider, refrigerated, and tipper trailers financed as standalone assets.
HiLux, Ranger, Transit, Sprinter. Chattel mortgage with full GST and tax deduction benefits.
Single-axle and twin-steer tippers for construction, earthmoving, and civil projects.
Finance EV trucks including the BYD T9, Fuso eCanter and Volvo FH Electric with tailored structures.
Different structures suit different businesses. A broker will recommend the best option after reviewing your situation.
Get an instant estimate for chattel mortgage, finance lease, or operating lease — then request an exact quote from a broker.
Rates vary based on asset age, loan term, business trading history and credit profile.
| Finance Structure | Rate From | Typical Term | GST Upfront? |
|---|---|---|---|
| Chattel Mortgage | 6.29% p.a. | 2–7 years | ✓ Yes |
| Finance Lease | 6.49% p.a. | 2–7 years | ✗ No |
| Operating Lease | 6.99% p.a. | 1–5 years | ✗ No |
| Commercial Hire Purchase | 6.39% p.a. | 2–5 years | ✓ Yes |
*Indicative rates only. Actual rate will depend on credit profile, asset type, loan term and lender. Last updated: 5 June 2026.
Tell us about the truck and your business. Takes 2 minutes — no credit check required.
A specialist broker compares rates and structures from our full lender panel on your behalf.
Receive a tailored comparison of your best options — rate, term, balloon, and total cost.
Sign your documents digitally. Most loans settle within 24–48 hours of approval.
Many lenders offer $0 deposit finance for established businesses with good credit. Startups or applicants with limited credit history may need 10–20% deposit depending on the lender and asset type.
Yes. Most lenders finance used trucks up to 10 years old at settlement, with some specialist lenders going to 15+ years for prime movers. The rate may be slightly higher for older assets.
For most applications, you'll receive a pre-approval within 4–24 business hours. Complex deals or larger loans ($500K+) may take 2–3 days for formal credit approval.
For established businesses: last 2 years tax returns or BAS statements, last 3 months bank statements, and a copy of the purchase invoice or dealer quote. Some lenders offer low-doc or no-doc options.
For most GST-registered businesses, yes — a chattel mortgage lets you claim the full GST component in your next BAS and may allow an Instant Asset Write-Off in the year of purchase. Your accountant can confirm which structure best suits your tax situation.
Get a free, no-obligation quote from a specialist truck finance broker. We compare 40+ lenders — takes 2 minutes.