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From a single ute

to a full transport fleet.

We finance every vehicle type, new, used, dealer or private sale. Our specialist lenders understand heavy vehicles and finance assets up to 25 years old. 1-day ABN welcome.

Typical approval
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Broker fee
$ 500
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Every vehicle your business

needs to run.

We work with lenders who understand the difference

between a prime mover and a panel van, and price and

structure deals accordingly.

 

Heavy Commercial

Trucks, trailers & specialist vehicles

Light Commercial

Utes, vans & trade vehicles

Personal & Novated

Company cars, EV & salary packaging

Start your ABN today.

Finance a truck next week.

Most banks require 2 years of trading history before they’ll even look at your truck finance application. Our specialist lenders assess you differently, the operator’s experience, the work contract, and the asset quality matter more than how long your ABN has been registered.

Typically required
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Approval timeline
0 hr
Broker fee ever
$ 500
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How it works — day by day

Buying from a private seller?

We handle everything.

Private sale finance is one of the most common enquiries we receive,

and one that many lenders make unnecessarily complicated. We make it simple.

 
  • Tell us about the vehicle

    Make, model, year, asking price, and the seller's details. We assess whether the price is reasonable against market value, protecting you before you commit.

  • PPSR check; we run it for you

    We conduct a Personal Property Securities Register search to confirm the vehicle is free of finance, stolen vehicle flags, and other encumbrances. Your purchase is protected.

  • Lender submits directly to seller

    Once approved, the lender pays the seller directly on your behalf. No cash handling, no risk. Standard settlement process, handled end-to-end.

  • Transfer of ownership confirmed

    Once funds are received, ownership transfers to you. We verify the transfer documentation before the deal closes. The vehicle is legally yours, free and clear.

Interstate purchases? No problem.

We arrange private sale finance for vehicles in any Australian state. The lender transfers funds directly regardless of location, you don't need to travel.

Chattel mortgage, lease, novated

which saves you more?

The structure determines your tax position, accounting treatment, and monthly flexibility.

Chattel Mortgage

You own the vehicle from day one. Lender holds a mortgage as security. Claim full GST upfront. Interest & depreciation are tax-deductible. When paid off, entirely yours.

Finance Lease

Lender owns the vehicle, leases it to you. Full lease payments are tax-deductible as a business expense. Option to purchase at residual value at end of term.

Novated Lease

Three-way arrangement, you, your employer, and the lender. Repayments from pre-tax salary. All running costs (fuel, rego, insurance, tyres) bundled pre-tax.

Commercial HP

Similar to chattel mortgage but ownership transfers on final payment. Sometimes preferred for fleet management accounting requirements or specific industries.

Operating Lease

Treated as operating expense. No asset on balance sheet. Lender retains residual risk. Best for vehicles with rapid depreciation or where technology refresh matters.

Personal Loan

Vehicle acts as security. Lower rate than unsecured. No ABN required. Fixed repayments over 1–7 years. For personal-use vehicles outside business finance structures.

Estimate your

repayments.

Same truck. Same price.

Very different rates.

On an $85,000 truck loan over 5 years, the difference between 7.49% and 9.5% is $82 per month — or $4,920 over the term. We compare 50+ lenders to find the right rate for your exact situation. That comparison is free, fast, and costs you nothing.

Major bank quote

~$1,366 / month at 9.5% p.a. — standard commercial rate, limited flexibility on asset age.

Uniko specialist lender

~$1,284 / month at 7.49% p.a. — saving $82/month, assets up to 25 years accepted.

What truck & car buyers

always want to know.

All the questions Australians have before applying for a loan, answered honestly.

Still have a question?

Call Vishal or send a WhatsApp most questions answered within the hour. No scripts, no call centre, no runaround.

Ask a question →

Can I get truck finance with a brand new ABN?
Yes. 1-day ABN finance is a real product and we’ve arranged hundreds of them. You’ll need around 20–30% deposit, a clear credit history, and some evidence of income capacity — a work contract or letter of intent is typically sufficient. We’ll tell you exactly what’s required for your situation within 24 hours.
Many specialist lenders on our panel finance assets up to 25 years old, depending on the vehicle type, condition, and remaining useful life. Banks typically cap at 10 years — our panel includes lenders without this restriction. Tell us the specific vehicle and we’ll confirm within 24 hours whether it’s financeable.
A balloon (or residual) is a lump sum at the end of the loan term — by deferring part of the principal, monthly repayments are lower during the term. At the end, you pay the balloon, refinance it, or (on a lease) hand the vehicle back. It’s very common in vehicle finance. Whether it makes sense depends on your cash flow priorities and expected ownership period — Vishal will model both options for you.
Yes — private sale finance is arranged regularly. We run a PPSR check to confirm the vehicle is free of encumbrances, verify the ownership documents, and the lender pays the seller directly. You don’t need to handle cash or worry about the seller’s situation.
EVs are financed using the same structures as conventional vehicles — chattel mortgage, novated lease, finance lease. For FBT purposes, EVs under the luxury car tax threshold are currently FBT-exempt, making novated leasing particularly attractive for employees. Some lenders are developing EV-specific products with different residual value assumptions. Vishal can model the right structure for your specific vehicle.
For well-structured applications, 24 hours is achievable. We pre-qualify with the right lender before submitting, which eliminates the delays caused by sending to a lender whose policy doesn’t match your situation. Complex applications (unusual vehicles, older assets, credit complications) may take 2–3 business days.

Australian businesses

on the road.

Not just reviews, full stories from people who

came to us when the banks said no.

Finance your next

vehicle today.

Truck, ute, van or fleet,  tell us what you need and

we’ll find the right deal within 24 hours.

Out believe has request not how comfort evident. Up delight cousins we feeling minutes genius.

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