Online Calculator
Use this device, free of charge, to compare repayment estimates on different models, to compare new with used vehicles and to prepare a plan as to the way you would like your prime mover funds structured.
Best Semi Truck Financing – Jade Finance
Acquiring a new prime mover from the leading name in heavy vehicles is a major investment decision for even the largest operators. Achieving the best, most cost-effective credit for the acquisition can be critical to cash flow, future investments and to ensure expenses remain in line with budget projections. To achieve those objectives, all types of operators can work with our highly skilled and experienced brokers to secure the best funds at the best rates.
Why Jade Finance?
Apply Online
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 dream truck.
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 Low Interest Rate Semi Truck Financing
As specialists in prime mover funding, we are acutely aware of the need for operators to secure the lowest interest rate on their funds. With our access to over 80 lenders, we have the resources to provide low rates to reduce repayments and overall investment costs across the full selection of credit facilities. Individual rate offers can vary but our current low truck loan rates can be used when planning and budgeting and comparing vehicles and credit products. Call us or request a quote online for your exact rate.
Plan Your Truck Purchase with Accurate Repayment Estimates
Our online truck loan repayment calculator is a must-use resource to help with making those critical price-sensitive investment decisions.
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Calculated Credit Amount
The calculator also empowers operators to get instantly receive estimated repayments based on the data that they enter. The credit amount can be changed to reflect the different purchase prices of vehicles being considered.
Balloon Payment Options
The term and balloon can be changed to see how a longer or shorter time to repay the commitment changes the repayment amount.
Get Quick Estimates with Our Semi Truck Finance Calculator
Estimates only can be calculated as the exact rate and any conditions will be subject to application approval. Calculate estimates now and then call us for a quick quote to clarify your specific offer.
- Easy to use prime mover funding calculator.
- Plan, compare, prepare with credit calculator.
- Instant estimates for quick decision making.
Truck finance guides and resources
Our guides offer quick comparisons and simple explainers to help you cruise through the financing process with confidence.
Specialist Truck Finance
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Types of Semi Truck Finance Available – Australia-wide
Operators across Australia can utilise our services for the complete selection of prime mover funding facilities. New and used models from the leaders in prime movers with all configurations and fuel systems can be funded with the operator’s choice of product.
The options have differences in features which relate to accounting and taxation measures. These include if suited to enterprises using the accruals or the cash methods of accounting; how GST is treated; when and how a tax deduction can be made; if the prime mover is listed on the balance sheet or not; ownership of the heavy vehicle during the term of the funding; and the interest rate. The choice of credit facility can be crucial to an enterprise achieving its objectives. We strongly recommend that operators discuss this decision with their accountant.
All credit facilities secured through us will include a fixed interest, a fixed term of up to 7 years, options for balloon, residual and buyback and a fixed repayment schedule. All elements of the funds are negotiated by our brokers to achieve a solution which works with our customer’s cash flow expectations.
Let’s discuss your best options today.
- Chattel Mortgage
- Lease Semi Trucks
- Rent to Buy Truck Loans for Semi
- CHP for All Makes and Models
- New, reconditioned, used truck loans
- Financing all fuel system prime movers
- Fixed interest rate, fixed repayments, fixed terms.
- Australia-wide expert prime mover funding services.
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How to Work with Jade Finance – the Semi Truck Loans Specialists
Carriers in all industries, with all types of enterprise set-ups can use our expert brokers services to secure funds to purchase their prime mover. Regardless of your payload – livestock, vehicles, general freight, whether you’re a sole trader owner-operator or a large fleet operation, the process of working with us is easy, fast and hassle-free.
At the initial point of contact – by phone or online, each customer has one of our brokers with experience in their sector assigned to source their funding. With our use of the latest technology and our extensive lender base, we quickly match customer with lender. An individual approach is taken to negotiating with the lender on the lowest rate and the most workable and preferred funding structure for each customer.
When any offer is accepted, our brokers process applications and arrange settlement. Approval can be obtained prior to making the final prime mover selection. This can be advantageous as it provides clarity around the funding amount approved to enable buyers to configure their vehicle to suit not only their operational requirements but their approved funds.
We have over 80 lenders in our lender panel. These include the major banks as well as specialist heavy vehicle non-bank lenders and lenders with specialities in certain industries. Our resources, experience and expertise have been assisting carriers across Australia to achieve cost-effective prime mover funding for over 25 years.
Begin with a Free Finance Quote which does not impact your credit score.
- Specialist prime mover lending brokers.
- Australian-owned, operating Australia-wide.
- 80+ lender base.
- Individually sourced and negotiated funding.
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Sole Trader, Self-Employed, Bad Credit Semi Finance Options
As a specialist in prime mover funding, we cater to all types of operations including those that face difficulties in getting approved through traditional channels. Our brokers seek out the right lenders to suit operators with credit issues and those that do not meet the complete criteria for some banks and lenders.
Workable, cost-effective options are available so speak with us today.
- Bad credit truck finance solutions
- Self-employed, sole trader loans for prime movers.
- Cost-effective Low Doc No Doc Truck Loan Prime Mover funding.
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Fast Semi Truck Financing Approval – 24 hours!
Apply now and many operators can receive approval in 24 hours.
If buying second hand prime movers at auction, speak with us before the event to be approved and ready to bid on the day.
- Quick quotes, fast approvals.
- 24 hour approvals.
- Pre-approved prime mover funding.
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THE INTEREST RATE IS CALCULATED ON A SECURED LOAN PREDOMINATELY FOR BUSINESS USE, EFFECTIVE 15/11/2024 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.
Semi Truck Loans FAQs
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With commercial heavy vehicle lending products, the lender accepts the vehicle as the security for the funding. With some used vehicle purchases and for some applicants, lenders may request further security be provided.
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Approving total credit amounts is subject to individual lender decisions. Many lenders will approve the full purchase price or no deposit funding on prime mover purchases.
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Operators setting up usually do not have complete financials and/or have not traded for the minimum time as specified by some banks and lenders. To receive funding, they can contact brokers and/or specialist lenders that offer no doc options.
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Online calculators only have the ability to calculate estimated repayments. They do not have the functionality to allow for lender charges and variations in the credit profiles of users. Offers can be higher than calculator results.
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Yes. Rates are offered based on an assessment of the applicant and the vehicle being purchased. As long as the vehicle stipulated in the pre-approved application is the one purchased at auction, the rate should be the same as after-purchase applications. Pre-approved applications are available for a designated time period. After an offer expires, it may be re-quoted at a different rate if rates change in the interim.
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Yes. Buyers can use credit calculators as provided by brokers and lenders to calculate estimates on payment for all types of credit facilities.
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Yes. The same asset acquisition funding facilities can be used to purchase all types of commercial assets including prime movers with various fuel systems.
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The tax deductions vary with the credit facilities. Chattel Mortgage and Commercial Hire Purchase have deductions when the vehicle is depreciated over time. Interest is deductible. Lease and Rent-to-Own have tax deductible monthly repayments.
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Terms approved are subject to lender approval. 7 years or 84 months is a typical maximum.
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Yes. Where the prime mover and the trailer form one purchase concurrently from the same supplier, they can usually be included in the same funding facility.
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Not in all cases. The condition and age of the prime mover is taken into account when a lender assesses the application for approval and to make a rate offer. Rates offered are always subject to the individual guidelines of the lender.
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Operators have a choice of Lease, Rent-to-Own, CHP and Chattel Mortgage to fund prime mover acquisitions. The best option will be the one that suits the accounting method and approach to tax and balance sheet.