All Vehicle Types
Regardless of the size, make or model of the new heavy vehicle being acquired, the same commercial credit products are available.
Truck Finance Interest Rates - 80+ Lenders & Banks
Rates differ on commercial credit products and can differ for individual operators. Reviewing our current low rates allows for comparisons of different options and for preparing purchase plans. We have sourced the current best rates from across a vast selection of the commercial heavy vehicle funding sector. Saving operators the time-consuming process of contacting multiple lenders for quotes. For your specific rate, request a quote online or by calling one of our brokers.
Why Jade Finance?
Apply Online
The easy application process provides you with comprehensive information. Make a fully informed decision on your truck loan.
Get Pre-Approval
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.
Get the Best Truck Loan Interest Rates Faster
As specialists in heavy vehicle funding, we know the cost pressures faced by the transport sector and the importance of keeping costs down when acquiring new vehicles. We support all sized operations across all industry sectors, to keep costs on budget when purchasing a new vehicle by achieving the best interest rates on heavy vehicle funding.
Rates, terms and conditions on heavy vehicle funding vary across the lending market. With our 80+ lenders, we have the resources to achieve the best rates on the market. Speak with one of our brokers today for best rate to meet your individual specifications.
New Truck Interest Rates – Types of Financing
New vehicles can attract the best rates across the market and for many operators, no additional collateral would be required.
Loan Options
Comprehensive Credit Facilities
We offer the complete selection of credit facilities including options for operators that do not meet lender criteria.
Choosing the Right Credit
In deciding which credit facility to select, operators should consider the features of each in respect to their accounting method, balance sheet approach, tax strategy and other objectives for the enterprise.
Lowest Rates Negotiated
All rates are sourced on an individual basis by our brokers and the lowest rate is negotiated with the right lender.
Truck Leasing Rates
Attractive facility for operations that do not want the value of a heavy vehicle to appear on their balance sheet.
Chattel Mortgage Finance Rates
This facility offers the most attractive rate and suits enterprises that use the cash method of accounting.
Commercial Hire Purchase Rates for Heavy Vehicles
This facility usually has the same rate as Chattel Mortgage. A key difference is that HP is compatible with accruals and cash accounting methods.
Rent-to-Own Rates
Rate is higher than the other options, but this facility can present attractive benefits for some enterprises.
Best Rates for Low Doc Truck Loans, No Doc Financing Options
New and small enterprises that do not tick all the boxes for funding approval with some lenders, can speak with us about the attractive rates we may secure for lite doc funding.
Fast Truck Financing Approval – 24 hours
Get moving faster with your vehicle acquisition with our fast approval process. Many applications approved in 24 hours and assistance with settlement.
- Apply online or by phone.
- 24 hour approvals.
- Prompt settlement to expedite delivery.
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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Cost-effective Used Truck Interest Rates – Solutions for Older Vehicles
The used truck loan market can be strong at times and offer operators better affordability that buying a brand-new model. While rates on used vehicles can differ from new, with our extensive lender selection and sharp negotiating skills, we can achieve highly attractive and cost-effective rates on used vehicle credit.
Solutions are sourced from across our vast lender panel, with not only rates, but also terms and conditions negotiated to best suit individual requirements. Many used vehicles are acquired at auction.
Buyers can speak with us prior to the event for pre-approval so they know their rate and can confidently bid to their approved credit.
- Individually sourced used heavy vehicle rates.
- Attractive rates on second-hand vehicle funding.
- Pre-approval service for auction buyers.
- Great rates on funding for reconditioned vehicles.
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80+ Lenders for Lower Truck Finance Rates for All Operation Types
All types of operators can use our specialist services to secure better rates on their heavy vehicle credit. Taking full advantage of our vast lender selection of 80+ lenders to secure the best rates. With more lenders, we can ensure each of our customers is matched with the lender that is best-suited to their individual profile.
We handle funding for all makes and models and all types of enterprises – large fleet operators, owner drivers, start up truck financing, ABNs, SMEs, partnerships and self-employed drivers.
Contact us and let us handle finding you the best rate on your heavy vehicle credit.
- 80+ Lenders, includes specialists in heavy vehicle funding.
- All enterprises – large, SMEs, self-employed.
- All brands of heavy vehicles.
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![Father and son standing in front of their new truck they are purchasing with a rent to own finance package]()
Check Your Rates on a Truck Loan Repayment Calculator
Reviewing advertised lender rates is helpful as a guide. But being able to see how those rates relate to your specific vehicle acquisition can be extremely useful. Using our truck loan repayment calculator, operators can vary the credit amount to compare makes and models at different prices and vary term and balloon to arrive at the preferred monthly repayments. Then contact Jade to have a full quote provided.
- Check rates, compare models.
- Prepare budgets.
- Plan credit structure preferences.
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![Applying for Car Financing]()
Fast Truck Financing Approval – 24 hours
Get moving faster with your vehicle acquisition with our fast approval process. Many applications approved in 24 hours and assistance with settlement.
- Apply online or by phone.
- 24 hour approvals.
- Prompt settlement to expedite delivery.
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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.
Truck Loan Interest Rates FAQs
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Owner-operators and self-employed operators can be offered attractive rates with strong financials and documentation. For an exact rate, operators will need to request a quote.
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Tax deductions vary on different credit facilities but interest charges are a deduction for all facilities.
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The rates on heavy vehicle funding are usually fixed. The fixed rate remains unchanged for the full credit term.
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Rates displayed by lenders will be their best rates on new vehicle acquisitions for good profile applicants. Rates offered to individual applicants can be different from the displayed rate.
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While rates are offered after individual application assessment, operators may expect the same rate for the vehicle with or without trailer. The total amount of the credit requested, being greater with a trailer, may impact the rate offer.
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Lenders will assess the vehicle as well as the operator’s profile when preparing rate offers. In general terms, new vehicles of all brands, sizes and configurations should attract the same rates. Second-hand vehicles may attract different rates.
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Using a credit calculator as provided on lender and broker websites, buyers can calculate repayment estimates based on displayed rates.
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Low Doc vehicle credit can attract competitive rates for operators with strong turnover and security. Some lenders will approve applications based on turnover over a short period.
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Lenders used their own guidelines and outlooks for economic conditions when setting their interest rates across their portfolio. This individual approach results in different rates. Lenders that specialise in a certain sector such as heavy vehicle credit, may offer more competitive rates than some general lenders.
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Rates vary across the lender market but HP and Chattel Mortgage typically have a lower rate than Rent-to-Own and Leasing.
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Operators will need to request a quote to receive an exact rate based on the vehicle being purchased and their profile. Rates displayed by lenders can be used as a guide for planning purposes.
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Rates on heavy vehicle funding are offered on an individual basis after assessment of the application by the lender. Rates can vary but even the smallest enterprises with strong financials can achieve good rates.