Truck Finance Australia
Whether you're an owner-operator buying your first truck or a fleet manager expanding operations, we'll help you find the right finance. We work with specialist commercial lenders who understand the transport industry - from prime movers to refrigerated trailers.
Low doc options available. Bad credit considered.
Commercial Vehicle Finance Made Simple
The trucking industry keeps Australia moving. Whether you're hauling freight across the country, delivering goods locally, or running a fleet of vehicles, having the right equipment is essential to your success.
At Your Lending Friend, we specialise in truck and trailer finance for businesses of all sizes. Our commercial finance specialists understand the transport industry and work with lenders who do too. That means finance structures that work for your cash flow, not against it.
Self-employed? Bad credit? Just starting out? We have options for all situations.
Truck Finance Options
Find the right finance for your fleet
By Vehicle Type
Specialist Options
Low Doc Truck Finance
Owner-operators and small businesses with less paperwork. Approvals often based on GST and bank statements.
Bad Credit Truck Loans
Credit issues shouldn't stop your business. We have specialist options for trucking professionals.
Owner Driver Finance
Starting out as an owner-driver? We help new operators get on the road with tailored finance solutions.
Fleet Financing
Upgrading or expanding your fleet? Volume discounts and flexible terms available for multi-vehicle purchases.
How Truck Finance Works
Getting your truck financed is straightforward
Tell Us Your Needs
What type of truck or trailer? New or used? We'll understand your business and find the right finance structure.
We Find Options
Our commercial specialists search lenders who understand transport. Low doc and bad credit options available.
Choose Your Structure
Chattel mortgage, finance lease, or hire purchase? We explain the pros and cons of each for your situation.
Get On The Road
Fast approvals mean you're not waiting around. Get your truck financed and start earning sooner.
Checking your options won't affect your credit score
Finance Structures Explained
Different structures suit different businesses. We'll help you choose the right one for your situation.
| Structure | Best For | GST Claim | Ownership |
|---|---|---|---|
| Chattel Mortgage | ABN holders wanting to own | Upfront | Immediate |
| Finance Lease | Flexibility, off-balance sheet | Over term | At end |
| Commercial Hire Purchase | Simple structure | Over term | At end |
| Rent-to-Own | Cash flow management | No | At end |
| Operating Lease | Short-term needs | No (rent expense) | Never |
Not sure which structure is right for you? Talk to our team and we'll help you decide.
What We Finance
Prime Movers
Rigid Trucks
Trailers
Specialised Vehicles
General Requirements
Low Doc & Bad Credit Options
We work with specialist commercial lenders who consider:
Truck Finance FAQs
Common questions about truck and trailer finance
We finance all commercial vehicles including prime movers (Kenworth, Volvo, Mack, Scania, Freightliner, Western Star, DAF, Mercedes-Benz, Iveco), rigid trucks (Isuzu, Hino, UD, Fuso), and all trailer types including flatbeds, curtainsiders, drop decks, refrigerated, tippers, tankers, and B-doubles.
Yes. We work with specialist commercial lenders who focus on...
Yes. We work with specialist commercial lenders who focus on your business cash flow and ability to service the loan, not just your credit history. If you've had credit issues but your business is performing well, we can often find options.
Low doc truck finance allows owner-operators and small busin...
Low doc truck finance allows owner-operators and small businesses to get approved with minimal paperwork - often just BAS/GST statements and bank statements, rather than full tax returns. This is ideal for self-employed truck drivers.
With a chattel mortgage, you own the truck immediately and c...
With a chattel mortgage, you own the truck immediately and can claim the GST upfront. With a finance lease, the lender owns the truck during the term and you can claim GST gradually. The best option depends on your tax situation and business structure.
Deposit requirements vary by lender and your situation. Some...
Deposit requirements vary by lender and your situation. Some lenders offer no-deposit options for strong applications. Having a deposit (10-20%) can help you get approved or secure better rates, especially for bad credit applicants.
Yes, we finance both new and used trucks. Most lenders will ...
Yes, we finance both new and used trucks. Most lenders will finance trucks up to 15-20 years old, though terms and rates may vary based on the vehicle's age and condition.
For straightforward applications, we can often get approval ...
For straightforward applications, we can often get approval within 24-48 hours. Low doc applications can be even faster. Complex applications or those with credit issues may take a few days while we work with specialist lenders.
Still have questions? Contact our friendly team