We provide the full range of finance facilities for truck purchases – Chattel Mortgage, Rent-to-Own, Leasing and CHP. This calculator resource allows you to quickly see our current cheap interest rates for each loan type and calculate a repayment estimate for each loan type. Enter the amount you require for your heavy vehicle loan and your expected loan term to see the different repayments alongside each loan type. For a firm quote for a loan based on your specific requirements, please contact us directly on 1300 000 008.
As significant lenders in the heavy vehicle market, we offer a full range of loan and finance products. Due to the structure of each loan product, the interest rates vary across these loan types. But we make it easy for you to compare the varying equipment finance interest rates across loan products with our comparison chart. We’ve listed our achievable rates for each product in a calculator function which is free to use. Just enter details of your proposed purchase and see the repayment estimates for each type of finance. Head there now and try it out.
Finance, loans and interest rates dominate the media, making it very clear that there are a lot of players on this super highway. To secure the best deal, you need to have confidence that your truck finance broker is the real deal and can deliver on promises. Well, you can have confidence in Jade Finance because we are genuine specialists in the field. As part of an organisation which was established in 1998, we’ve used our time wisely to build our knowledge base, expertise, skill and experience across the sector.
We have knowledge not only of finance but we also keep abreast of issues facing the trucking and transport industry so we can tailor our packages to specifically address the challenges you’re facing. Your Jade Finance consultant will work specifically in your best interests and only your interests at every stage of the loan process – from your first call to us through to settlement.
Not committed to one or even limited to a small handful of truck finance options gives us the freedom to find you a better package from a wider range of sources. In fact, we seek options from over 80 individual lenders, representing literally hundreds of loan products.
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We look further afield than others and we’re not constricted by the stringent loan guidelines which you will find when dealing with traditional banks and financial companies.
If you’re buying a truck and trailer as a combo unit or you’re buying a separate trailer, sourcing cheap finance is not a problem with Jade. We offer you the options of Chattel Mortgage, Leasing, Rent-to-Own and CHP for the purchase, secured of course at our cheap interest rates. Loans are available for all types of business operators – sole traders, family set-ups, partnerships, SMEs and large corporates – and we can source those hard to get low docs and no docs options for start-ups. Find out how we can assist you with cheap trailer finance.
Upfront we want you to know that we are no judgmental when it comes to the circumstances of our customers. We fully understand life happens and people can find themselves in the tricky position of credit issues and especially bad credit. Sourcing a truck loan when you have bad credit can be a major challenge IF you try to do it all yourself. We can work with you and handle the process of sourcing possible options to save you time and a lot of hassles and obstacles. We have access to lenders that can be more flexible and will make workable bad credit business loan offers. Find out what we can do to assist you.
What is a Chattel Mortgage – most widely-used form of business finance for the acquisition of wide range of assets including trucks. Known by some banks simply as Equipment Loan, the Chattel Mortgage is versatile and straightforward and when secured at our cheap interest rates, extremely cost-effective. The truck is used as collateral, the interest rate is fixed as is the loan term and repayments plus you have the option for a balloon to reduce the monthly outgoings. This is the most suitable finance for accelerated asset depreciation tax measures and very popular for many businesses. Find out if it will suit you by checking out the features and benefits.
Not to be confused with hiring a truck for a day, Rent-to-Own is a loan type which works towards the borrower owning the truck at the end of the loan term. It allows businesses to avoid having the truck listed as an asset on their balance, while providing them full use of a vehicle and easy monthly rental payments. We advise customers discuss the loan options with their accountant, so check out the loan features so you’re across the detail or just call us for more information.
Leasing is an off-balance sheet loan option as the heavy vehicle does not get entered on the borrower’s accounts as an asset/liability. It remains on the lender’s balance sheet, a strategy which can present advantages and benefits to many businesses. Our consultant will source you the cheapest interest rate lease deal and structure the loan with the fixed term and repayment schedule that will work with your cash flow. A residual is an option which can be used to reduce the amount due each month. Read all the details to see if leasing will work for your purchase.
Commercial Hire Purchase is also known as just Hire Purchase or CHP and is a type of financing which can suit many businesses. Distinctly different from hiring or renting a truck for a short term, CHP has the objective of ownership at the end of the loan term. We secures all our CHP truck deals at the cheapest interest rate which is fixed for the full fixed loan term. So there’s no need to address or review your finance arrangements until the end of the term. A balloon is allowed which can be used to structure repayments to suit individual cash flow requirements. See if this might meet your requirements by reviewing the loan details.
Our guides offer quick comparisons and simple explainers to help you cruise through the financing process with confidence.
Trucking is a tough, competitive business and we’re there to support you with a better loan on your truck finance because we have better rates. And we’ll make it happen without a fuss. No need to wheel and deal, we get straight down to business and offer you our best rate in the first conversation.
Let’s face it, neither of us has time to waste on meaningless talk when there’s real business to be done, real money to be made. Minimal chat – we offer you the best interest rates we can source to suit your loan application.
This is not just talk, we actually back our words with a guarantee that if you can possibly find a truck finance deal that is better than what we’re offering, we’ll give you $200** cash and match that offer.
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One quick call to Jade Truck Loans and you’ll quickly realise that you’re dealing with a consultant that genuinely knows the truck finance business and is genuinely interested in easing your operating costs by sourcing you a workable truck finance package. Not surprisingly, you want to know how we can do that, beat the banks and financial institutions. We do it through our experience.
As Aussie truck finance brokers, we enjoy the freedom of the finance highway – able to source the best rates and best packages from hundreds of sources and products until we track down the one that best suits you.
Start with a free finance quote.
Time is not only money, it’s your business day. Waste time and you’re wasting your money and your business.
We work to that principle and respect that you do too. So we get on with the job of moving your truck finance deal along, quickly and easily – making the traditional process you’re used to from banks and finance companies look like it’s in reverse!
We have processes established to streamline truck finance deals to get approvals and settlements completed, in the same day if you need it!
Call a specialist truck loan broker to get under way.
As an Australian-owned and operated business, we know the challenges faced by all businesses to contain costs in a volatile operating environment. To assist you in easing your operating costs, we provide a superior level of service, a comprehensive range of offerings and great truck finance deals to support your business growth objectives.
Whether you’re just coming into the industry as an owner-operator or you’re an industry veteran, we will take full control of the process of organising your truck finance. Your personal consultant will first discuss your requirements and objectives, then source you a quote and offer on the truck of your choice, explain all the details to you in language you will understand, and once you are happy with the offer, will proceed to organise all the paperwork for you through approvals and final settlement.
Nothing is too much trouble for our consultants
So if you’re in the market for a new truck, then talk to us about arranging a sensational finance package to suit your business objectives with better interest rates to your operating costs and optimise your hard-earned profits.
Speak with one of our Consultants for a great finance deal. Call 1300 000 008.
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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.
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.
Jade Finance simple fast approval application process quickly delivers back all the information you need to help you make the right choices on your finance needs. We pride ourselves on delivering better loan interest rates. Simply you will find our loan packages hard to beat.
