Commercial Truck Finance
Australia
Compare commercial truck finance for new and used rigids, prime movers, trailers and fleets. Assess chattel mortgage and lease pathways by truck age, seller, deposit, business profile, term, balloon and total cost before authorising a lender application.
1300 134 596Estimate Repayments, Then Check Lender Fit
Repayments are only one part of the decision. Truck age, seller, deposit, business history, financial evidence and credit profile can all change the lenders, rates and terms available.
Truck finance repayment calculator
Illustrative principal-and-interest estimate only. It excludes establishment, broker, PPSR, documentation and other fees and is not a quote or approval. Change the example rate to stress-test the repayment.
Prepare the application before it is submitted
Driver licence, ABN/entity details, truck invoice or listing, requested amount and seller details. Do not send bank statements or tax documents until the broker confirms which lender pathway is being assessed.
Truck, fitout, seller, price, deposit and required date.
Assess applicant, evidence, asset age and transaction type.
Rate, fees, repayments, balloon or residual and total payable.
Submit to an agreed lender, then complete asset and seller checks.
Finance Any Truck Brand
Click your brand to see every model in the range — with indicative repayments, specs, and finance options.
Isuzu Truck Finance
Compare indicative finance scenarios across the Isuzu range, from light-duty N Series variants to heavier rigid and prime-mover configurations.
8 models available →
Hino Truck Finance
Compare indicative finance scenarios for Hino 300, 500, 700 and XE Series trucks across metro, regional and heavy transport applications.
4 models available →
Fuso Truck Finance
Compare indicative finance scenarios for Fuso Canter, Fighter, Shogun and eCanter variants, subject to model and lender policy.
4 models available →
Kenworth Finance
Compare indicative finance scenarios for Kenworth T610, T909 and C540 trucks used in heavy transport and specialised applications.
3 models available →
Volvo Truck Finance
Compare indicative finance scenarios for Volvo FH, FM and FL trucks across long-haul, construction and regional applications.
3 models available →
Scania Finance
Compare indicative finance scenarios for Scania R Series and P Series trucks across freight, refrigerated and construction applications.
2 models available →Finance Calculator by Truck Model
Model examples use a fixed 6.69% p.a. assumption, five-year term, no fees and no balloon for like-for-like illustration. They are not current advertised rates or quotes. Confirm the truck price and test the actual quoted rate.
Isuzu
View all Isuzu models →Isuzu NLR 45-150
Isuzu NPR 45/65/70
Isuzu NQR 88/80-190
Isuzu NPS 75-175 4x4
Isuzu FSR 140/120
Isuzu FVR 170
Isuzu FVY 260-300 6x4
Isuzu FXY 260-355 6x4
Fuso Canter
Fuso eCanter
Fuso Fighter
Fuso Shogun
Heavy Truck Brands
Kenworth T610
Kenworth T909
Volvo FH
Scania R Series
Truck Finance Options Compared
There is no universally best structure. Compare ownership, cash flow, total cost, end-of-term obligations and eligible tax treatment.
What Determines a Truck Finance Rate?
A headline rate is not enough. Compare fees, financed amount, balloon or residual and total amount payable using the same transaction assumptions.
| Pricing factor | What a lender may assess | What to compare |
|---|---|---|
| Applicant strength | Trading history, financial evidence, credit profile and existing commitments | Whether the quoted tier matches the submitted information |
| Truck and seller | Age, kilometres, condition, specification, valuation and dealer or private seller | Age-at-end-of-term limits and any valuation or deposit requirement |
| Structure and term | Loan or lease, requested term, balloon or residual and repayment frequency | Scheduled repayment and total payable over the complete term |
| Fees and security | Establishment, documentation, PPSR, broker or other fees and guarantees | Comparison rate where applicable and every fee in the written offer |
Use the estimator above to test a rate scenario. An actual rate can only be established after a lender assesses the application and transaction.
Why Finance Your Truck Through AFA?
Commercial Finance Specialists
We specialise exclusively in commercial asset finance — trucks, equipment and machinery. Not personal loans. Not home loans. Our brokers know commercial lending.
Broad Lender Panel
We assess relevant lenders whose current policy fits the applicant, asset, seller and requested transaction. We do not compare every lender or product in the market.
Application Requirements Explained
We explain the required information before submission. Assessment and settlement timing depends on the lender, application, truck and seller checks.
Australia-Wide Service
Finance for businesses in every state and territory. Regional and remote operations are welcome. See our transaction and fleet guidance for truck finance in Tasmania and Hobart.
Finance for Owner Drivers & Sole Traders
Own your own truck, run your own freight or delivery work. Whether you’re starting out or upgrading, AFA matches owner drivers with lenders that understand new ABNs, low-doc applications and sole trader tax structures.
- Newer ABNs may be considered under narrower lender policy
- Evidence can include contracts, BAS, bank statements or tax returns
- Truck age, seller and requested amount affect policy fit
- A deposit may be required depending on the complete scenario
Tax Benefits of Financing a Truck
Tax treatment depends on the business, structure, asset use and current rules. Confirm the position with an accountant before relying on a deduction or GST credit.
- GST credit — may apply to the creditable business-use portion
- Interest — eligible business-use amounts may be deductible
- Depreciation — method and eligibility depend on current rules
- Depreciation rules — thresholds and eligibility vary by income year, turnover, asset cost and use
Truck Finance FAQs
We arrange finance for all major truck brands sold in Australia — including Isuzu, Hino, Fuso, Kenworth, Volvo, Scania, Western Star, Mercedes-Benz Trucks, DAF, UD Trucks and more. New and used vehicles are both eligible.
There is no universally best structure. A chattel mortgage can suit operators wanting ownership from settlement, while lease structures can suit different cash-flow and replacement objectives. Compare total cost, end-of-term obligations and eligible tax treatment for the business.
Some eligible established businesses may be considered without a deposit. A deposit can be required because of trading history, credit profile, truck age, seller, asset type or requested amount.
Assessment and settlement timing depends on the lender, application completeness, asset and seller checks.
Owner drivers may be eligible, but an active ABN alone does not establish approval. Lenders can assess trading history, contracts, financial evidence, credit history, deposit, truck and seller. See our owner driver guide →
Rates vary with truck age and type, seller, term, deposit, ABN age, financial evidence and credit profile. Use the calculator for indicative scenarios, then compare the actual rate, fees, balloon and total amount payable in a written offer. See the truck finance rates guide →
Newer trucks can qualify for broader lender policy and longer terms. Older or specialised vehicles may require valuations, deposits or shorter terms. Compare warranty, condition, kilometres, downtime risk and total acquisition cost. Read the full new vs used truck finance guide →
Trailer units, body fitouts, refrigeration equipment, toolboxes and other accessories may be included if the lender accepts the complete asset, supplier and invoices. Confirm ownership, installation timing and tax treatment before settlement.
An active ABN is generally required for business-purpose truck finance, but an ABN alone is not approval. Lenders may also assess trading history, financial evidence, contracts, credit history, deposit, truck and seller.
A balloon payment is an optional lump sum at the end of your loan term. Setting a balloon — typically 10–30% of the truck’s price — reduces your regular repayments during the term. At the end you can pay it from cash flow, refinance it, or sell the truck and use the proceeds. Unlike a finance lease, a chattel mortgage balloon has no ATO minimum residual, so you can set it at 0% if you prefer to own the truck outright. See the balloon payment guide →
Ready to Finance Your Truck?
Prepare the truck, seller and business details needed to review relevant lender pathways. No lender application or credit enquiry is made without your authorisation.
Prepare Your Truck Finance Enquiry
Send the transaction details for review. Enquiring does not itself create a lender submission.
Next Step: Compare Options, Check Fit, Then Apply
Start with repayments, compare structures, then submit one enquiry to review options from commercial lenders.
Sell My Vehicle Hub
Ownership, disposal and replacement pathways.
Sell My Truck
Truck valuation, payout and upgrade guidance.
Business Vehicle Finance Hub
Choose pathways by asset, borrower profile and structure fit.
Fleet Finance
Multi-vehicle replacement planning for transport operators.
Australian Truck Fleet Atlas
BITRE registration, model, fleet-age and monthly market-entry data.
Private Seller Vehicle Finance
How private-sale truck purchases are assessed and settled.
Business Loan vs Chattel Mortgage
When secured truck finance beats unsecured business debt.
Chattel Mortgage Guide
Ownership-first structure, GST and tax basics.
Sole Trader Pathway
ABN, docs and structure guidance for owner-operators.
New ABN Finance
How newer businesses can still qualify with the right setup.
Low Doc Options
Alternative evidence pathways where full financials are limited.
Reviewed by David Blackman — Specialist Asset & Equipment Finance Broker, 20+ years banking & fleet experience. Last reviewed: 8 August 2026.
This page is general information only — not tax, legal or credit advice. Confirm tax treatment with your accountant. See the ATO on GST credits and Moneysmart (ASIC).