Whether buying a semi-trailer or a cab and trailer separately, using our specialist heavy vehicle financing services may have that vehicle working in your business faster and at a lower financing cost.
With our vast lender base and the expertise of our skilled brokers, we secure truck trailer loans at the most competitive rates on the market, with workable terms to suit individual operators.
All finance for truck trailers is individually sourced to suit the specific needs, cash flow and ROI expectations of our customers. Ensuring a solution structured to deliver on productivity, efficiency and profitability targets, and delivered quickly!
As specialists in heavy vehicle funding, we know the term ‘truck trailer’ can be used for semi-trailers, trucks with a trailer, or just the trailer to be attached to a truck.
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Cost-effective heavy vehicle financing is available on all models from leading manufacturers including Kenworth, Mack, Freightliner, Fuso, IVECO, Volvo, Mercedes Benz, UD Trucks, Scania, DAF, Hino and others. Truck trailer loans cover new and used vehicles purchased through a dealer, a private seller or at auction.
Funding is available for all types of entities including sole traders, self-employed owner drivers, family enterprises, SMEs, large corporations, both new and long running. We provide workable options for those just starting up, operators without financials, and businesses that do not meet minimum lender turnover criteria.
We source heavy vehicle financing individually, customising the loan to suit the individual business objectives. This enables operators to replace obsolete and inefficient vehicles, expand their fleet, or upgrade to new, more environmentally friendly powered vehicles. With cost-effective financing, we eliminate the need to draw on existing reserves to invest in new assets.
For a quick quote on a truck trailer loan, contact us by phone or using our online services.
Our guides offer quick comparisons and simple explainers to help you cruise through the financing process with confidence.
A range of credit facilities is available to finance truck trailers, both new and second-hand. The different types of loans include Lease, Commercial Hire Purchase, Rent-to-Own and Chattel Mortgage. Operators can select the facility which suits their accounting practices and financial objectives.
Leasing and Rent-to-Own are best suited to businesses that use the accruals method of accounting. Chattel Mortgage is compatible with cash accounting, and CHP may suit both accounting methods. Monthly payments for Lease and Rent-to-Own are fully-deductible. CHP and Chattel Mortgage deliver a tax deduction to business operators through depreciation of the vehicle, in line with ATO schedules.
Ownership of the vehicle over the truck trailer loan term varies with the credit facilities. This will affect posting the asset to the balance sheet. An issue which may be of particular importance to new and smaller operations. Interest rates are different for the different facilities.
We provide all truck trailer finance options with the lowest fixed interest rate, over a fixed term of up to 7 years, to provide a fixed repayment schedule. Balloons, residuals and buybacks are available and structured in to deliver the most affordable repayments for our customers.
Request a quote on your selected semi-trailer loan product or apply online.
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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.
Operators can select from Chattel Mortgage, Lease, CHP and Rent-to-Own to fund heavy vehicles. The most suitable facility is the one that is compatible with their accounting method and suits their approach to their balance sheet and financial objectives.
The same credit products are available for funding semi-trailers. Rates, terms, loan limits and conditions will vary according to the lender, borrower and for used vehicles.
Sole traders with an ABN can apply for commercial financing for heavy vehicles.
Used heavy vehicles can be funded with the choice of Chattel Mortgage, Lease, CHP and Rent-to-Own. The age and condition of used vehicles is assessed by lenders as part of the application review process. Loan limits may apply.
Terms are offered by lenders following an assessment of the application. Terms of up to 7 years are typical across the heavy vehicle lending market.
Rent-to-Own and Lease payments are deductible under ATO rulings. Interest on Chattel Mortgage and CHP payments is deductible but the balance of the payments is not. These facilities deliver tax deductions when the heavy vehicle is depreciated in line with ATO schedules.
Loan limits including borrowing the full purchase price of a heavy vehicle are subject to lender approval. It is typical for many applications to be approved for the full amount.
Interest rates on truck trailer loans vary with the type of credit facility, the credit profile of the applicant, and the lender.
Asset acquisition credit is typically arranged with a fixed interest rate. This rate stays the same through the entire term of the loan.
Balloons and residuals are amounts set aside for finalising at the end of the term. Balloon applies to CHP and Chattel Mortgage and residual to Leasing. Balloons are negotiable, residuals in line with ATO rulings.
