Are the same credit facilities available for all types of heavy vehicles?

Yes. Heavy vehicles can be financed with Rent-to-Own, Hire Purchase, Lease and Chattel Mortgage.

Can self-employed operators get approved for commercial vehicle loans?

Self-employed operators with an ABN can be eligible to apply for commercial funding. Approval is subject to meeting lender criteria and credit requirements.

Will dealer charges on my purchase and other extras be included in my loan?

Where dealer charges and extras are include in the purchase invoice for the vehicle, they may be included in the funding.

A buyback is a feature of Rent-to-Own funding. It is the amount agreed between lender and borrower for the borrower to pay at the end of the term to take ownership of the vehicle.

Will I own my vehicle if I choose leasing?

At the end of a lease, the borrower has the choice of paying out the residual to take ownership of the vehicle or relinquishing that right and handing the vehicle back to the lender.

When is a balloon due to be paid?

A balloon is due for payment in a lump sum after the final payment on a Hire Purchase or Chattel Mortgage is made.

Is financing for alternative and hydrogen powered trucks the same as for diesels?

Yes. All fuel system vehicles may be financed with the same selection of credit facilities. Rates, terms and conditions are individually assessed and determined by lenders.

Can I include the cost of the trailer in my commercial truck loan?

Where a truck and trailer are purchased as a single buy from the same seller, they may be included in the one finance agreement.

What is required to complete a commercial truck loan application?

Applicants are required to provide details of their business, an ABN, ID and a range of financial documentation to complete a commercial credit application form.

What loan terms are available on light-duty truck loans?

The finance term on truck loans is subject to lender approval. Up to 7 years is a typical term.

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