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Truck Finance Australia Specialists – Best Rates, All Vehicles, All Businesses

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Whatever your industry sector, business set-up, location, and whatever heavy vehicle you are purchasing, Jade Finance are your specialists for truck finance Australia wide. We have access to over 80 lenders including specialists in heavy vehicle loans, and expert brokers with extensive experience in securing the most competitive truck loan interest rates in Australia with tailored heavy vehicle financing.

  • Low truck loan interest rates
  • Credit score not impacted
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Why Aussies Choose Jade

 
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The easy application process provides you with comprehensive information. Make a fully informed decision on your truck loan.

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Save time, money, and worry - Get Pre-Approval for your finance. You'll be good to go when you find your ideal truck.
Loan Specialist

Truck Loan Specialist

With over 25 years of experience in finance, we have a reputation for negotiating great rates with same-day approvals.
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Personalised Heavy Vehicle Finance Across Australia

Through our online and phone facilities and Australian-based brokers, we provide personalised heavy vehicle finance Australia wide, through all states, territories, cities, regional and remote areas. Customising lending solutions on light, medium and heavy-duty vehicles used in all types of applications and sectors, with the best rates, negotiated terms and workable repayments.

We support time-poor heavy vehicle owners and operators to secure affordable financing by handling the entire process from initial enquiry through to settlement. If you’re after truck finance in Australia, contact us for a quick quote on a solution tailored to your specific operation.

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Secure the Most Competitive Truck Loan Interest Rates Quickly

Get Affordable Australia Based Truck Loans - All Vehicles, All Industry Sectors

We’re an Australian-owned business with all our brokers based in Australia with truck loan services to suit all operators and all heavy vehicles.

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25+ Years Experience

Over our 25+ years in commercial lending, we have acquired experience and first-hand knowledge of the needs of operators across many industry sectors.

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Industry-Specific Financing

Jade are securing affordable heavy vehicle financing for businesses in construction, building, transport, logistics, distribution, agriculture, mining and resources, general delivery and many others that require vehicles for their operations.

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All Configurations Covered

We provide tailored truck financing for all configurations and truck types operated by businesses across the country.

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All Truck Types

Customised solutions for cab only, truck and trailer loans, cab and body packages, ready to work models, semis, flatbed, dump trucks, livestock and car carriers, refrigerated vehicles, B-doubles and triples, crane trucks, tilt trucks, water and fuel tankers, and light delivery vehicles.

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New and Used Models

Cost-effective financing is sourced for both new and used models from all leading truck brands Australian operators buy including Kenworth, Isuzu, Mercedes-Benz, Scania, Fuso, IVECO, Hino Western Star, Volvo and many others.

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All Powertrains Included

Loans at competitive rates are sourced for all power systems – diesel, electric and hydrogen.

Customised Truck Loans with Australia-Based Specialists

To have an expert that knows Australia truck finance requirements handle your loan, contact us online or by phone.

  • Truck finance Australia based specialists.
  • Lending for all brands, configurations.
  • Customised new and used truck loans.
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Alleviate Financial Burdens with Zero Down Truck Financing

Truck finance guides and resources

Our guides offer quick comparisons and simple explainers to help you cruise through the financing process with confidence.

Full Range of Truck Loan Options in Australia

We provide a comprehensive selection of credit facilities for financing trucks across Australia, for all business set-ups. Operators can select the funding product that best suits their accounting practices and approach to tax and balance sheet from Chattel Mortgage, Rent-to-Own, Commercial Hire Purchase, and Lease.

Asset acquisition funding facilities have varying features to suit the varying business structures and financial objectives of Australian operators. Lease and Rent-to-Own are off-balance sheet facilities which suit the accruals accounting method and allow operators full use of a vehicle without having the asset posted to their balance sheet. Monthly payments are deductible.

Chattel Mortgage is referred to by some lenders simply as Truck Loan in Australia and suits businesses that prepare accounts with the cash method of accounting. This is a highly popular credit facility with ownership immediately transferred to the operator on settlement. Tax deductions are provided when the vehicle is depreciated. Hire Purchase is a versatile option in that it can suit both accounting methods while providing many similar features and benefits to Chattel Mortgage, including the lowest interest rates.

All truck finance Australia products allow for an end of term payment – balloon, residual, buyback. Terms of up to 84 months can be approved with our brokers negotiating on your behalf for the most workable solution.

We advise operators to have a discussion with their accountant to ensure they select the credit facility that will work best to achieve their objectives. Then contact us for the best truck finance interest rates in Australia, most workable terms and affordable repayments.

  • Chattel Mortgage Truck Finance Australia.
  • Australia Truck Lease.
  • Rent-to-Own Truck Loans.
  • Hire Purchase Heavy Vehicle Financing.
Adaptable and Practical Truck Financing Solutions
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THE INTEREST RATE IS CALCULATED ON A SECURED LOAN PREDOMINATELY FOR BUSINESS USE, EFFECTIVE 15/03/2026 AND SUBJECT TO CHANGE. WARNING: THE INTEREST RATE IS TRUE ONLY FOR THE EXAMPLES GIVEN AND MAY NOT INCLUDE ALL FEES AND CHARGES. DIFFERENT TERMS, FEES OR OTHER LOAN AMOUNTS MAY RESULT IN A DIFFERENT INTEREST RATE.

We work harder to secure the best rates.

Australian Truck Finance FAQs

  • We have financing options for a wide variety of trucks, including light, medium and heavy-duty trucks. If you’re looking to purchase a new or used truck, Jade’s expert brokers can tailor a loan to suit your specific business needs. The brands used most within Australia are Volvo, Scania, Fuso, Hino, Isuzu, Kenworth, Mack, and Mercedes trucks.

  • Businesses can finance heavy vehicles with their choice of Lease, Rent-to-Own, Commercial Hire Purchase and Chattel Mortgage. The best option will be the loan type that suits the tax, balance sheet and accounting approach of the enterprise.

  • The same credit facilities are used to fund all types of vehicles. The specifics of the funding – interest rate, approved amount, terms and conditions, can vary with the applicant’s profile and with the age and condition of used vehicles.

  • Where a truck and trailer are purchased as one unit from the same dealer at the same time, lenders generally provide a single loan for the acquisition.

  • Interest rates on heavy vehicle funding vary with the different credit types and with the credit profile and strength of individual applications. There is no general rate.

  • All commercial asset acquisition credit products proved for tax deductions. The way the deductions are made vary with the different products.

  • A truck loan balloon payment is paid at the end of the funding term, after the last monthly repayments are made.

  • Where a new operator does not meet lender approval criteria in regard to full financial documentation and time in business, they may seek no doc and low doc credit options through finance brokers.

  • To apply for commercial credit, businesses need an ABN, ID and documents verifying their financial position, turnover, tax, assets and liabilities and income.

  • The same credit products are used to fund both new and used heavy vehicles. Rates terms and conditions can vary on funding for use compared with new models.

  • Operators requiring estimates of vehicle funding prior to requesting quotes can use an online funding calculator as provided by banks, brokers and other lenders.