Truck Finance Australia | Asset Finance Australia

Truck & Heavy Vehicle Finance Australia-Wide

Asset Finance Australia provides specialist truck finance across Australia, helping individuals, owner-drivers, contractors, and businesses secure funding for new and used trucks without unnecessary friction. We arrange truck finance Australia-wide, supporting buyers in Sydney, Melbourne, Brisbane, Perth, Adelaide, Canberra, and regional Australia.

This page targets searches such as truck finance, truck loans Australia, heavy vehicle finance, semi truck finance, rigid truck finance, and asset finance for trucks. Asset Finance Australia structures truck finance solutions aligned with lender policy, vehicle type, and real-world usage — whether commercial or personal.

Whether trucks are used for transport, logistics, construction, mining, agriculture, owner-driving, personal use, or fleet operations, our truck finance solutions are designed to support affordability, flexibility, and long-term ownership.

Asset Finance Australia – Truck Finance Specialists

Who Truck Finance Is Designed For

Our truck finance solutions are suitable for:

Individuals purchasing trucks privately
Owner-drivers and contractors
Transport and logistics operators
Trades and construction businesses
Mining and resource contractors
Agricultural and rural operators
Fleet and multi-vehicle owners

Asset Finance Australia works with Australian lenders experienced in truck and heavy vehicle finance, ensuring each truck finance application is structured correctly from the outset.

Truck & Heavy Vehicle Finance Options Australia

Types of Trucks We Finance

We arrange truck finance Australia-wide for a wide range of vehicles, including:

Prime movers and semi-trailers
Rigid trucks
Tipper trucks
Flatbed and tray trucks
Refrigerated trucks
Crane trucks
Light, medium, and heavy trucks
New truck finance
Used truck finance
Dealer and private-sale trucks

All truck finance solutions are structured around the asset’s value, usage profile, and expected working life, regardless of whether the buyer is an individual or a business.

Truck Finance Structures Available in Australia

Chattel Mortgages for Trucks

Chattel mortgages are commonly used for truck finance in Australia, particularly where ownership is required upfront. These structures are assessed based on truck value, condition, usage type, and lender policy, and may offer tax efficiencies where applicable.

Truck Loans

Truck loans provide straightforward finance structures suitable for both individuals and businesses, with terms aligned to the expected lifespan of the truck.

Truck Finance Leases

Finance leases may be suitable in certain scenarios, subject to lender approval and borrower profile, particularly for higher-value heavy vehicles.

Hire Purchase for Trucks

Hire purchase arrangements allow structured ownership over time and may be appropriate for certain truck finance scenarios.

Each truck finance structure is assessed individually to ensure compliance, affordability, and lender alignment.

New and Used Truck Finance Australia

New Truck Finance

Asset Finance Australia arranges finance for new trucks through authorised dealers across Australia, with terms aligned to vehicle lifecycle and lender risk criteria.

Used Truck Finance

Used truck finance is available for trucks purchased through dealers or private sellers. Lenders assess truck age, kilometres, condition, engine type, compliance status, and remaining economic life when determining finance terms.

We also arrange truck finance for interstate purchases and regional buyers across Australia.

Why Truck Finance Requires Specialist Structuring

The Importance of Correct Truck Finance Structuring

Poorly structured truck finance can lead to unnecessary declines, higher interest costs, or restrictive loan terms. Without specialist structuring, buyers may face:

Declined truck finance applications
Restricted lender options
Higher interest rates
Misaligned loan terms
Issues relating to vehicle age or usage type

Correct truck finance structuring ensures lender policy alignment, realistic serviceability assessment, and long-term ownership sustainability.

Asset Finance Australia – National Truck Finance Approach

Lender-Agnostic Truck Finance Australia-Wide

Asset Finance Australia operates on a lender-agnostic model, providing access to Australian lenders experienced in truck, heavy vehicle, and transport equipment finance.

We arrange truck finance for vehicles located across:

Sydney
Melbourne
Brisbane
Perth
Adelaide
Canberra
Regional Australia

Our focus is on practical, compliant, and commercially sound truck finance solutions — for everyone, not just businesses.