Truck Finance

Truck finance allows businesses to spread the cost of purchasing a truck over time through regular repayments. A lender provides funds to purchase the truck, and your business repays the loan over an agreed term — with the truck itself often used as security. At Ezilend, we love helping Aussie businesses get hauling — you find the truck and leave the finance to us!

Truck finance can be used for new or used vehicles, including rigid trucks, prime movers, refrigerated trucks, tipper trucks, tow trucks, and specialised transport equipment. Whether you’re a sole trader buying your first truck or expanding a fleet, Ezilend has the right solution for your business.

Finance structures may include chattel mortgages, finance leases, commercial hire purchase agreements, and low-doc truck loans for eligible ABN holders. The right structure will depend on your business setup, tax situation, and cash flow. Your Ezilend broker will explain each option and recommend what suits you best

Lenders will generally want to see an active ABN, at least 6 months of trading history, business bank statements, and a clean-enough credit history. Established businesses with solid financials will typically access the best rates, but Ezilend works with lenders across a broad spectrum — new operators included.

Yes, absolutely! Sole traders are eligible for truck finance, and low-doc options are available for ABN holders who don’t have the full suite of financials. Ezilend has helped plenty of independent operators get on the road — get in touch and let’s see what we can do for you.

Rates for truck finance vary depending on the lender, the truck’s age and value, your credit profile, and the finance structure chosen. Chattel mortgages on newer vehicles with strong financial profiles attract the most competitive rates. Ezilend shops across our lender panel to find you the best deal available — no guesswork.

Yes! Truck finance is available for both new and used vehicles, including private sales. Ezilend specialises in private sale finance and knows how to make the process smooth for all parties. You find the truck; we’ll handle the rest.

Often, yes — particularly with a chattel mortgage, where you may be able to claim the GST on the purchase price upfront and deduct interest costs over time. The instant asset write-off may also apply depending on the vehicle’s value. Always check with your accountant to understand the full tax picture for your situation.

Yes, many truck finance products include a balloon or residual payment option at the end of the loan term. This lowers your regular repayments throughout the loan, which can be great for cash flow — just make sure you have a plan for the final amount. Your Ezilend broker will walk you through it all.

Easy — reach out to Ezilend and one of our brokers will be in touch quickly. We’ll ask a few questions, do the comparison work across our lender panel, and come back to you with competitive options. No long forms, no runaround, no stress. Let’s get you hauling!