First Truck Purchase
Finance options for owner-drivers stepping into their first prime mover or rigid.
Heavy Vehicle Finance
Truck Finance
Finance That Keeps Your Fleet Moving
From a first prime mover to an expanding fleet, we help owner-drivers and transport businesses compare truck and trailer finance options suited to their operation, cash flow and equipment plans.
$2B+
Transaction Volume
1,000+
Clients Supported
40+
Lenders
Tailored
Broker Support
Truck Finance Explained
Funding Trucks, Trailers and Heavy Vehicles
Truck finance is commercial lending used to purchase or refinance trucks, prime movers, trailers and other heavy vehicles. The loan is usually secured against the vehicle, with the term, structure and pricing shaped by the asset, its age and the borrower's trading position.
Transport operators often need finance that reflects seasonal revenue, contract work and maintenance cycles. Structures such as chattel mortgage, hire purchase, lease and balloon repayments can all affect cash flow differently.
As a broker we compare suitable lenders, explain the trade-offs between structures, and prepare the application so assessment is as smooth as possible — whether you are an owner-driver or running multiple units.
New & used trucks
Finance for eligible dealer, private-sale and auction purchases.
Compare structures
Chattel mortgage, lease, hire purchase and balloon options explained.
Operator-focused
Support for owner-drivers, small fleets and transport businesses.
What We Can Help With
Truck Finance for Every Stage of Your Operation
Whether you're buying your first truck or replacing ageing units, the right structure depends on the asset, its use and your business position.
Fleet Expansion
Add units to meet new contracts, routes or growing freight volumes.
Truck Refinancing
Review existing heavy-vehicle finance against suitable alternative structures.
Trailer & Attachment Finance
Fund trailers, tippers, tankers, curtainsiders and eligible attachments.
Fleet Replacement & Upgrades
Replace ageing units to help manage downtime and maintenance costs.
Used & Private Sale Purchases
Finance for eligible dealer, private-seller and auction acquisitions.
Finance Options
Truck Finance Options We Can Explore
Heavy-vehicle finance varies in ownership, repayment structure and accounting treatment. We explain how each option may apply to your circumstances.
01
Chattel Mortgage
You own the truck from the outset while the lender holds security over it — a common structure for trading businesses.
02
Hire Purchase
The lender holds the asset while you make agreed repayments, with ownership passing at the end of the term.
03
Finance Lease
Use the vehicle for an agreed term with lease payments, subject to residual and end-of-term conditions.
04
Balloon & Residual Structures
Lower regular repayments with a larger final amount — useful for cash flow, but the total cost should be considered.
05
New Truck Finance
Funding for eligible new prime movers, rigids and vocational vehicles from dealers.
06
Used Truck Finance
Options for eligible used vehicles, where age, hours and condition influence lender appetite.
07
Trailer & Equipment Finance
Finance for trailers, bodies and eligible attachments alongside the primary vehicle.
08
Fleet Finance
Structured facilities for businesses funding multiple vehicles over time.
09
Refinancing
Compare current heavy-vehicle finance terms against suitable alternatives, including any switching costs.
Why Choose Us
Why Transport Operators Choose Winning Wealth Finance
Heavy-vehicle lending is specialised. We focus on the structure, the asset and the paperwork so you can stay focused on the road.
Apply NowWho We Help
Truck Finance for Different Operators
We assist eligible transport businesses and operators with single-unit purchases through to multi-vehicle fleet funding.
Owner-Drivers
Small and Growing Fleets
Transport and Logistics Companies
Civil and Construction Businesses
Agricultural and Rural Operators
Waste, Tipper and Bulk Haulage Operators
Businesses Refinancing Existing Truck Finance
Operators Purchasing Privately or at Auction
The Process
How the Truck Finance Process Works
Getting Ready
What You May Need for Truck Finance
Requirements differ by lender, asset and business profile. Having the essentials ready early helps keep the process moving.
Requirements vary by lender, asset type, age of vehicle and individual circumstances. All applications remain subject to eligibility, assessment and approval.
01
Proof of Identification
02
ABN and Business Details
03
Trading or Employment History
04
Recent Business Bank Statements
05
Financial Statements or Tax Returns
06
Vehicle Details, Invoice or Quote
07
Existing Finance or Payout Details
08
Evidence of Contracts or Work Where Relevant
Assessment
What Can Affect a Truck Finance Application?
Each lender applies its own credit and asset criteria. Pricing, terms and approval depend on the complete application and are never guaranteed.
Estimate Your Truck Finance Repayments
Get an initial repayment guide using your preferred amount, term and balloon. Results are indicative only and are not a quote or approval.
Transport Finance Story
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What Our Clients Say
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FAQs
Frequently Asked Questions About Truck Finance
Have a different heavy-vehicle question? Speak with our team for guidance based on your operation and the asset involved.
Truck finance is commercial lending used to buy or refinance trucks, prime movers, trailers and other heavy vehicles. The loan is generally secured against the asset, and the structure chosen affects ownership, repayments and accounting treatment.
Often yes. Lenders consider the age, hours or kilometres, condition and type of vehicle. Older assets may have shorter terms or different pricing, and some lenders set maximum age limits at the end of the term.
Some applications proceed without a deposit while others benefit from a contribution or trade-in. Deposit expectations depend on the lender, the asset, your trading history and the overall application.
Under a chattel mortgage you take ownership of the vehicle from the start and the lender registers security over it. It is a common structure for trading businesses, though the right option depends on your accounting and tax position.
A balloon or residual is a larger amount due at the end of the term. It can reduce regular repayments, but increases the amount owing later and generally the total cost, so it should be planned for.
Many lenders can fund eligible private-sale and auction purchases, though additional verification such as inspections, valuations and ownership checks may be required.
Some lenders consider newer ABNs, often with additional supporting information such as industry experience, contracts, asset backing or a deposit. Options are more limited and vary by lender.
Yes, trailers, bodies and eligible attachments can often be financed either alongside the vehicle or as separate facilities depending on the lender.
Commonly identification, ABN details, bank statements and vehicle information. Depending on the lender and loan size, financial statements or tax returns may also be requested.
Timing depends on the lender, the asset, application complexity and how quickly documents are provided. We give a realistic expectation for your scenario rather than promise a fixed timeframe.
Potentially. A refinance review compares your current rate, term, balloon and fees against suitable alternatives, including any payout or switching costs involved.
Looking for Another Type of Finance?
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Let's Find the Right Truck Finance Solution
Tell us about the vehicle and your operation. We'll help you understand suitable truck finance options and the next steps.