Get Specialist Support - Bad Credit Truck Loans

When operators have unacceptable payment record with their creditors, get too far behind on commitments and build up unworkable levels of debt, have a poor report and score and other issues around their financials, sourcing workable funding for new truck finance can be a major problem. Trying to work through the situation to a solution with banks and lenders directly can be problematic. We are specialists in commercial lending and provide the support that operators in this situation need to potentially secure workable heavy vehicle funding.

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Why Jade Finance?

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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.
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Types of Truck Finance with Bad Credit

When approval is provided by lenders for operators with issues, the same selection of heavy vehicle funding products is available. Operators can select the facility that is best suited to their method of accounting and approach to tax deductions and balance sheet.
  • Heavy Vehicle Bad Credit Chattel Mortgage
  • Truck Leasing with Bad Credit
  • Commercial Hire Purchase Heavy Vehicle Funding
  • Rent to Own Truck Loans with Bad Credit
Options for Truck Financing with Poor Credit

No Credit Check Truck Finance Solutions

Where customers have poor scores and reports, we may be in a position to achieve solutions with the usual checks. Some of our lenders will approve funding applications based on strong turnover figures and other measurables.

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Solutions achieved without credit checks.

Approval with strong turnover, additional security possible.

Workable options for Bad Credit Heavy Vehicle Funding.

Get Approved for Bad Credit Truck Loans with Jade.Finance Solutions

Our brokers are experts in all types of commercial lending and we work with all types of operators with issues in achieving workable heavy vehicle funding. We don’t judge, we get to work and focus on working through the issues to a solution. Understanding the reasons and circumstances that have led to the difficulties can be significant to the overall process. We listen to customers to fully grasp their individual position so we can develop a solution that suits. With more than 25 years of experience as a truck finance broker, we have the lender connections, expertise and most importantly, the initiative and interest to assist customers achieve their objectives. Contact us directly, speak with one of our brokers and find out the possibilities for your individual situation.
  • Specialists in commercial heavy vehicle funding.
  • Individual approach for bad credit customers.
  • 25+ years of experience, high level expertise.
Secure Approval for Truck Loans Despite Poor Credit with Jade.Finance Solutions

Semi Truck Financing Bad Credit Solutions

All applications for commercial funding are assessed on an individual basis, in regard to approvals and when lenders prepare rate offers. Applications are assessed for creditworthiness and those with the best ratings and strongest applications are typically offered the best interest rates available.

Operators assessed with poor creditworthiness can expect a higher rate offer than the best rates advertised by banks and lenders. With our sharp negotiating skills, we work with our lenders to achieve operators the best possible rate, terms and conditions.

Solutions may be achieved with additional collateral often requested, possible limits on the amount being lent and other conditions over the funding. We work through all issues with customer and lender with the key objective to achieve a workable solution.

We work with operators to purchase all types and brands of heavy vehicles, in all sizes and configurations, cab-only and vehicle and trailer combinations.

  • Experts to work through issues with lenders.
  • Individual approach to every application.
  • Workable rates, terms, conditions the key objectives.

How to Use a Truck Loan Broker with 80+ Lenders, Banks

Using our services is a simple process with no referral needed to get in touch. Direct contact can be made via our online forms or by phone. We have accreditations with more than 80 lenders which includes non-bank lenders that specialise in heavy vehicle lending and in offering solutions for operators with approval issues.

The process of working with us is straightforward. Brief one of our brokers on your situation, the vehicle you are seeking to purchase and provide details on your enterprise accounts. We then select the lender that is best suited to those particulars. Our brokers work to negotiate and offer with the lender and present it to our customer for consideration. Nothing is finalised without the customer’s agreement.

When an offer is accepted, we handle the paperwork to process the application and work through to settlement. Call today to discuss how our specialist services may work for you.

  • 80+ Lenders – banks, non-bank lenders.
  • Specialist lenders in poor credit lending.
  • Comprehensive broker services, Australia-wide.

Fast Quotes, Assistance with Applications, Approvals

The application process is the same for all heavy vehicle funding and customers with issues are encouraged to provide our brokers with as much information, accounts, bank statements etc as possible. With these details we can often achieve fast quotes and we assist with processing the application.

  • Fast quotes and approval decisions.
  • Apply online or by phone.
  • Pre-approval services.
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*The purpose of the interest rate comparison table is to provide a guide only and for comparing the interest rates on different commercial loan products. Quoted repayments are based on advertised rates and do not include lender fees and charges. An offer made to you by a lender may be at a different interest rate and have a different repayment. Using this device is not an application, any indication of an offer, and is not a loan approval.

DISCLAIMER: This comparison chart is provided for general reference purposes only. It is not in any way intended as a loan application, it is not a quote for business finance or any indication that an application has been received or approved. The rates quoted are for business use where the funds are predominately for business use and may not include all the fees and charges that may be applicable. The interest rates and the repayments displayed do not account for any conditions pertaining to your individual loan application. Therefore the interest rate and repayment you may be offered may vary from the amount shown.

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Bad Credit Truck Loans FAQ's

  • Applicants that have been rejected by a bank may seek non-bank lenders and brokers that offer services to assist operators with poor payment history.

  • Yes. All types of operators with an ABN are eligible to apply for all types of commercial lending.

  • GST rego is not an essential requirement for any commercial funding application but may be considered as a positive by some lenders.

  • Yes. All features of the selected funding product may be realised once applications are approved. The balloon is an option with CHP and Chattel Mortgage.

  • Yes. All vehicle lending applications can be submitted for approval prior to a vehicle being selected. It can be advisable for applicants with poor scores as they may receive confirmation of their lending limit.

  • All applicants for heavy vehicle funding have the choice of Chattel Mortgage, Rent-to-Own, Commercial Hire Purchase and Leasing.

  • Yes. Once an offer is made and accepted, the applicant can receive the tax deductions which apply to the choice of funding product.

  • The total amount approved can be limited in some cases for applicants with a history of bankruptcy. This will depend on the matrix used by lenders for approvals.

  • Lenders have their own guidelines when making funding offers for all applicants. The overall offer – rate, term, amount and any conditions may be influenced by the profile and history of the applicant.

  • Where less than good creditworthiness is assessed by lenders, the applicant is deemed a higher risk than good profile applicants. This can result in a rate higher than the best available being offered. Workable rates may be achieved through the right lenders.

  • Operators with issues with their creditors and other difficulties have the same application process as all applicants. They are encouraged to provide as full financials as available and as much detail on their situation. The reasons around the difficulties can be significant for lenders to approve applications.

  • When applications are approved for heavy vehicle funding, operators may select the most appropriate product from Leasing, Rent-to-Own, CHP and Chattel Mortgage.