More Lender Options
The interest rate offered and the credit terms and conditions approved, can vary across the lending market. Which is why it can be an important advantage to have more lender options.
Better Rates, Individually Sourced Rent-to-Own Truck Finance
Operators have a choice of a number of credit facilities to fund new heavy vehicles. This vehicle rental option or operating lease, often misunderstood as a hire arrangement, can be an extremely effective solution when the best rates and the most workable terms and conditions are obtained.
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Truck Loan Specialist
With over 25 years of experience in finance, we have a reputation for negotiating great rates with same-day approvals.
Compare Our Better Truck Finance Rates on Rent to Buy
The interest rate is critical to workable heavy vehicle funding and our focus is on securing the best rates across our complete portfolio. Rates on operating leases are higher than for other facilities which is due to the type of credit format. Making it even more important for operators to get the best rate possible.
With more than 80 lenders and with high level commercial lending expertise, our brokers work with individual operators, and our lenders, to secure the most workable operating leases. Discover solutions which are individually sourced, negotiated and tailored to meet the specific needs of your enterprise.
Review our latest rates to compare options and speak with our brokers for the rate we can secure for your specific vehicle based on your exact profile.
Rent to Own Truck Finance Solutions – We have the Options & the Lenders!
As experts in commercial heavy vehicle lending, we have operating lease options and the lender avenues for all types of vehicles and all types of operators.
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Expert Lender Matching
Our accreditations with lenders number in excess of 80 with the main banks, credit institutions and specialist non-bank heavy vehicles lenders included. We know the matrix or approval criteria used by our lenders and can quickly align each customer to the lender that is their best match for lower rates and the most workable terms.
Assisting All Business Types
Operating leases are available on new and used heavy vehicles with all types of fuel systems, purchased from dealers, through private sellers and acquired at auction. Our options include opportunities for all types of operations to achieve workable vehicle funding – SMEs, owner drivers, new enterprises, corporate fleet concerns and self-employed sole traders.
Getting Started
For the operating lease option best-suited to your individual specifications, contact us online or by phone for a quick quote!
- Vast lender base – 80+ lenders, more options, more opportunities.
- Operating leases for new and second-hand heavy vehicles.
- Options for all types of set-ups – SMEs, fleets, owner drivers, new start-ups.
- Low Doc No Doc Heavy Vehicle Operating Leases.
How to Use a Rent to Own Truck Loan Calculator
Prior to committing to a particular vehicle purchase, astute operators will want some idea of what their funding commitments may be. We provide an online credit calculator to empower buyers to work up estimates on funding options, including operating leases, on any number of vehicles.
The calculator is easy to use by simply typing in the funding required, our current interest rate on operating leases and a preferred term. The device instantly works out the monthly repayment for those figures. This is an estimate as rates will vary for individual operators and fees vary with different lenders. Use our calculator to compare repayments on different vehicles and call us for a quote or request a quote online.
- Compare heavy vehicle funding.
- Review estimated repayments on operating leases.
- Obtain estimates for budgeting and purchase decisions.
Truck finance guides and resources
Our guides offer quick comparisons and simple explainers to help you cruise through the financing process with confidence.
Business Finance
Get Rent to Own Truck Financing Support from Our Experts
Why try to source your own vehicle credit when using our expert brokers offer significant advantages. Our services are easy to use, streamlined, fast and we have a proven track record for delivering better rates and better outcomes. Locally based, Australian-owned, our team understand your working environment, we know the tax rulings and we’re sharp when it comes to negotiating with our lenders.
Have an obligation-free discussion or just request a quote to find out how we may assist you.
- 25+ years of commercial vehicle lending experience.
- Sharp, highly skilled locally based brokers.
- Operating leases optimised to latest tax rulings, individual requirements.
| Lender | Loan Product | Interest Rates From | Monthly Repayment |
| Jade | Truck Loan | 6.59%Fixed Rate | $588.25 MONTHLY |
| Jade | Business Loans - Unsecured | 14.95%Fixed Rate | $712.91 MONTHLY |
| Jade | Business Loans - Secured | 5.99%Fixed Rate | $579.84 MONTHLY |
| Jade | Overdraft - Non Bank | 14.95%Fixed Rate | $712.91 MONTHLY |
| Jade | Chattel Mortgage | 6.85%Fixed Rate | $591.92 MONTHLY |
| Jade | Operating Leases | 6.85%Fixed Rate | $591.92 MONTHLY |
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Jade
Truck Loan
|
||
| 6.59%Fixed Rate | $588.25 MONTHLY | |
|
Jade
Business Loans - Unsecured
|
||
| 14.95%Fixed Rate | $712.91 MONTHLY | |
|
Jade
Business Loans - Secured
|
||
| 5.99%Fixed Rate | $579.84 MONTHLY | |
|
Jade
Overdraft - Non Bank
|
||
| 14.95%Fixed Rate | $712.91 MONTHLY | |
|
Jade
Chattel Mortgage
|
||
| 6.85%Fixed Rate | $591.92 MONTHLY | |
|
Jade
Operating Leases
|
||
| 6.85%Fixed Rate | $591.92 MONTHLY | |
THE INTEREST RATE IS CALCULATED ON A SECURED LOAN PREDOMINATELY FOR BUSINESS USE, EFFECTIVE 03/05/2026 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.
Rent to Own Truck Finance FAQs
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An operating lease is an asset acquisition funding facility. Operators can purchase vehicles using this facility. Ownership is attained after all payments are finalised.
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The ATO treats payments on operating leases as expenses and a tax deduction.
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Being registered for GST is not necessary to apply for an operating lease for a heavy vehicle.
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Enterprises will have different objectives, accounting methods and approaches to their balance sheet and to treatment of taxation. Operators should discuss all vehicle credit options with their accountant in deciding if an operating lease is the most suitable choice.
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When a vehicle is funded with an operating lease, the vehicle remains owned in title by the lender, not the borrowing operation. The buyer does not therefore need to enter the value of the vehicle into their accounts or balance sheet. Thus it is described as an off-balance sheet facility.
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Yes. All fuel system vehicles may be purchased using an operating lease. The decision around suitability of the facility primarily rests on the objectives of the buying enterprise.
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Buyers can use a funding calculator as provided online by lenders and brokers to compare the full range of credit options. These resources are free to use.
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New set-ups may not have all the documentation that lenders require for approval of operating leases. Seeking low doc and no doc operating leases from brokers and expert lenders is an option.
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Online calculators are generic computation devices that do not have the functionality to include lender charges or allow for differences in users’ credit profiles. The results obtained are estimates and a quote may be higher.
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Operating lease terms are subject to lender approval but up to 7 years is typical.
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When the final monthly payment is made on an operating lease, the buyer can opt to pay the buyback amount to take full ownership of the heavy vehicle.