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No Deposit Truck Finance

Achieving the cheapest truck finance interest rates possible is always a priority when commercial funding is required. But when 100% of the purchase price, possibly including some extras, upgrades and trailer, the loan amount may be higher and the lowest interest rate even more critical. Compare the rates we are currently achieving for heavy vehicle funding as a guide and contact us for a quote for your specified vehicle.

  • Low truck loan interest rates
  • Credit score not impacted
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Why Jade Finance?

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Truck Loan Specialist

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Ease Finance Pressures with No Deposit Truck Finance

Including the entire purchase price of heavy vehicles in the funding may ease pressures on operating expenses and open greater opportunities to acquire those necessary vehicles. As specialists in the heavy vehicle lending sector, we offer 100% vehicle funding as a workable, convenient option for all types of operators who obtain truck financing. Eliminating the need to have funds on hand to make a down payment.

Our brokers will discuss this option with you – the upsides and considerations, and source the lowest interest rate offer to suit your specific requirements.

Alleviate Financial Burdens with Zero Down Truck Financing

No Deposit New and Used Truck Loans Available

As a basic explainer, 100% funding is including the entire purchase price of the new or used truck financing. It does not relate to an upfront payment that a dealer may request to secure the sale.

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Custom Vehicle Orders

Often vehicles need to be built to order or specified to customer requirements and an initial payment will be required before the vehicle can be prepared. If such a payment is requested and 100% credit required, it may be possible to have the dealer refund the initial payment when we settle the funding. Confirm this with the dealer when placing the order.

Vehicle and Accessories

We offer 100% credit options which may include the vehicle, vehicle and trailer and, subject to approval, a range of extras and accessories purchased with the vehicle. Buyers should be mindful that including the full price results in a higher total funding than with an initial payment. The outcomes may include a higher monthly repayment and greater total interest on the credit.

Open to All Enterprises

The full purchase price option is available across our complete selection of heavy vehicle credit facilities and all types of enterprises may apply.

Full purchase Cost Funding Including Accessories

This option is available for new and used vehicles of all sizes and configurations.

  • 100% purchase cost funding.
  • Full purchase credit Chattel Mortgage, Truck Lease, Rent-to-Own, CHP.
  • Sole trader loans, SME, self-employed – purchase without down payment.
  • Used vehicle funding with no down payment.
  • Cab and trailer, cab only, all types of vehicle trailer combos.
A row of new trucks in a fleet

Truck finance guides and resources

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

How to Use a Truck Loan Broker to Get the Best No Deposit Truck Financing

Using a broker that specialises in heavy vehicle funding can assist operators to secure the best outcomes without a down payment. The lending market is large and competitive and with our expert brokers handling your requirements, we quickly identify the lender that is most suitable to making you the best offer. We have over 80 lenders in our lending panel including specialists in the heavy vehicle market and specialists in certain industries.

Rates are especially critical with no down payment credit and with honed negotiating skills of our brokers we focus on achieving that essential best rate. We’ll handle the discussions and arrangements to structure the funding to best achieve your preferred monthly repayment to ensure the solution works with your cash flow.

To discuss how we can assist you, connect with us via our online forms or just give us a call.

  • Expert, specialised truck finance brokers.
  • 80+ Lenders – specialist no down payment heavy vehicle lenders.
  • Individually handled 100% heavy vehicle funding.
A truck with a large solid side trailer hauling freight down a highway

Secure Your Funding with Jade Finance - No Deposit Truck Finance Specialist

We’re specialists in heavy vehicle funding with the lenders, the experience, the expertise and the resources to assist operators secure their funding. In addition to sourcing the best quote at the lowest rates, we’ll negotiate for the extras to also be included in the funding, with no down payment. Extras such as specifying the vehicle to suit certain applications, extra tech systems, additional safety systems, and delivery expenses and customisation.

Our services are available throughout Australia via phone or online to enable operators working the most remote routes equal access to lower rates and workable solutions for 100% purchase price vehicle funding. Get in touch today to explore your options with a specialist at Jade.

  • Australian brokers with 20+ years local commercial vehicle lending experience.
  • Australia-wide services.
  • Tax-optimised solutions, individually negotiated outcomes.
A dark red big rig is heading straight toward the camera on a road with trees in the background

Get Fast Approval for Financing Truck with No Deposit

Our brokers will assist you with your application which can be submitted online or by phone. We act promptly to get fast approvals and expedite settlement for fast delivery of your vehicle.

A truck driver sitting in the cab driving down the road
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THE INTEREST RATE IS CALCULATED ON A SECURED LOAN PREDOMINATELY FOR BUSINESS USE, EFFECTIVE 05/12/2024 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.

No Deposit Truck Loans FAQs

  • Subject to lender approval all types of heavy vehicles may be subject to funding without a downpayment. This includes cab only, cab and trailer, livestock haulers, car carriers, B-doubles and triples and other variations.

  • Yes. All commercial entities with an ABN may apply for complete vehicle purchase credit.

  • No. The same tax deductions apply whether or not a downpayment has been made on the heavy vehicle purchase.

  • Subject to lender approval, full purchase price funding is available for new and used vehicles.

  • Yes. The relevant features and tax benefits of the selected credit facility still apply regardless of the amount of the credit.

  • Interest rates are based on individual assessments of applications by lenders. The total amount being requested is assessed in relation to the applicant’s position. Rates are subject to individual lender approval but the same rate may be achieved for 100% and less than 100% vehicle funding.

  • Buyers wanting to compare the difference in monthly repayments when no downpayment is made with making the downpayment, can use an online calculation device as provided by brokers and lenders. The credit amount can be changed in the device while leaving the rate, term and balloon the same to see the different repayment amounts.

  • Yes. The full selection of credit facilities – Leasing, CHP, Chattel Mortgage and Rent-to-Own may be used when applying for the full purchase cost credit.

  • A range of heavy vehicles and combinations may be funded with 100% purchase credit. Where a cab and trailer require funding, both units must be acquired from the same seller.

  • When any extras on a vehicle are purchased from the same dealer as the vehicle and included on the dealer invoice, in most cases they can be included in the vehicle credit.

  • Funding without a downpayment does not exclude the dealer requesting an initial payment to confirm the purchase. Ask the dealer if the holding payment can be refunded after the credit is settled on the full cost.

  • 100% purchase price credit is when the entire cost of the vehicle’s acquisition is included in the funding arrangement.