Truck Finance.
Your trucks earn the revenue. The finance structure determines how much of it you keep. Whether you're buying one vehicle or building a fleet, we find the right truck finance structure across 60+ lenders - new, used, or a full fleet facility.
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Won't affect your credit score.
What can we help you with?
Our Solutions
Truck finance options - find the right one for your business
From a single new truck to a full fleet facility - we find the right structure for your business. Most trucks are financed via Chattel Mortgage, but Finance Lease and fleet facilities are worth considering for larger operations.
New Truck Loans
Finance new trucks with competitive rates and flexible terms. Own the asset outright or structure repayments around your cash flow - our team finds the right lender for your purchase.
Used Truck Finance
Access finance for quality used trucks and heavy vehicles. Many lenders accept used trucks up to 15 years old at loan end - we'll identify the right fit for the vehicle you're buying.
Lease Options
Finance lease or operating lease arrangements keep trucks off your balance sheet and preserve capital. Operating leases can include maintenance and management for a fixed monthly cost.
Hire Purchase Agreements
Pay for your truck over time and own it outright at the end of the term. A straightforward structure with predictable repayments and ownership at completion.
Flexible Repayment Plans
Repayment schedules structured around your business cash flow - seasonal adjustments, balloon payments, and term lengths tailored to your revenue pattern.
Fleet Financing Solutions
Finance multiple trucks under a single facility. Fleet solutions simplify administration, standardise repayment schedules, and can unlock preferential rates for volume purchases.
Run The Numbers
Calculate your truck finance repayments
Enter your loan details
Estimated monthly repayment
$2,139.59
No impact to your credit score
Estimates only, based on the example rate and the figures you enter. Assumes a fixed-rate principal & interest loan over the full term, plus a lump-sum balloon payment due at the end. Your actual rate, structure and repayments will depend on your circumstances and the lender, so get in touch for a tailored quote.
Key Benefits
Why most trucking businesses choose finance over cash
Improved Cash Flow
Finance keeps your capital working in the business rather than tied up in depreciating assets. Spread the cost of your truck over its useful life.
Access to the Latest Technology
Upgrade to newer, more fuel-efficient, and safer trucks without a large upfront outlay - keeping your fleet competitive and compliant.
Maintenance and Servicing
Operating lease and fleet structures can include maintenance agreements - removing the unpredictability of servicing costs from your P&L.
Flexibility
Choose from a range of finance structures - chattel mortgage, hire purchase, lease, or fleet facility - to match your ownership preference and tax position.
Financial Stability
Fixed repayments give your business certainty for budgeting - no surprise capital outlays when a truck needs replacing.
Credit Building
Consistently servicing a truck finance facility builds your business credit profile - improving access to future finance at better rates.
Why Co-Pilot
Why Co-Pilot - not just any broker
60+ Lenders Including Truck Specialists
Access to major banks, non-bank lenders, and specialist commercial vehicle financiers - each with different appetite for truck types, ages, and business profiles.
New & Used Truck Expertise
We know which lenders are most competitive for new trucks versus used, and which have the most flexible criteria for older or specialised vehicles.
Fleet Structuring
Multi-vehicle purchases need a different approach. We structure fleet facilities that simplify administration and unlock volume-based rate advantages.
Fast Approvals
We know which lenders move fastest on truck deals - and our panel relationships mean your application gets attention, not a queue. Most straightforward applications approved within 24-48 hours.
Tax-Effective Structures
Chattel mortgage, hire purchase, and lease each have different tax implications. We help you choose the structure that works best for your business's tax position.
Eligibility
Truck finance eligibility - here's what lenders need
Truck finance eligibility varies by lender, vehicle type, and business profile. Our team matches you with the lender best suited to your situation - including options for new businesses and adverse credit.
- Active ABN - minimum 6–12 months trading history for most lenders
- Business financial statements or BAS for the past 12–24 months
- Satisfactory business and personal credit history
- Vehicle details: make, model, year, purchase price, and seller information
- Driver's licence and proof of identity for all applicants
- For fleets: vehicle schedule and intended use for each truck
New business or adverse credit? Speak to us - we work with lenders who consider the full picture, not just a credit score.
Ready to finance your next truck?
Tell us about the truck you're purchasing and your business - we'll find the right lender and structure within 24–48 hours.
Hear What Our Clients Are Saying
“I had an excellent experience with Sarah. She guided me through the finance process for my Honda Fit and made everything simple and transparent from start to finish. The approval was fast, and her customer service was genuinely the best I’ve experienced. She took the time to explain my options, answered all my questions, and made sure everything went through smoothly. I really appreciated her professionalism and friendly approach. Highly recommend her if you’re looking for finance support.”
Dinith G
FAQ
Common Questions About Truck Finance
Get Your Truck on the Road Fast.
Tell us about the truck or fleet you're buying - we'll find the right lender and structure across 60+ lenders, and have most applications approved within 48 hours.