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 Aussies Choose Jade
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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
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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THE INTEREST RATE IS CALCULATED ON A SECURED LOAN PREDOMINATELY FOR BUSINESS USE, EFFECTIVE 21/02/2026 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.
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.