Truck finance that fits how your business runs
Prime movers, rigid trucks, tippers, tankers and trailers, new or used, from a dealer or a private seller. We match your deal across 30+ lenders and structure the repayments around your cashflow.
Truck finance with Dosh
New and used trucks
From light trucks to prime movers and B-double sets, including older trucks with the right lender.
Dealer or private sale
Buying from another operator? Several lenders on our panel finance private sales.
Balloon and GST options
Lower repayments with a balloon, and pay the GST back in month 3 if you’re GST-registered.
Low doc for established ABNs
Many lenders need just ID, your ABN and the invoice under $500k.
Fleet and multiple units
Adding several trucks? Ask about an equipment finance limit.
Chattel mortgage, lease or hire purchase
We explain the tax treatment so you can check it with your accountant.
Matched by AI, structured by a specialist
Truck finance is usually set up as a chattel mortgage: your business owns the truck from day one and the lender takes security over it. Terms are typically 1 to 7 years, and a balloon (residual) of 10–40% can bring the monthly repayment down, depending on the lender, the truck and its age at the end of the loan.
Lenders look at how long your ABN and GST have been registered, whether you own property, the age and type of truck, and your credit history. Because every lender weighs these differently, the same deal can get very different answers. That’s why we match every application across our panel before it goes anywhere.
Every deal is AI-matched across our panel of 30+ lenders (Big 4, mid-tier and private) for the best fit and quickest turnaround. Larger or more complex deals are handled personally by one of our finance professionals. After settlement you get access to our client portal to track your loans, upcoming payments and documents.
Truck finance: common questions
Can I finance a used truck from a private seller?
Yes. Several lenders on our panel finance private-sale trucks, usually with an inspection or valuation and proof of ownership. The rate can be a little higher than a dealer sale.
How old can the truck be?
It depends on the lender. Many have a limit on the truck’s age at the end of the term (often 15–20 years for trucks), so an older truck may need a shorter term.
Do I need financials?
For established, GST-registered businesses, many lenders approve truck loans under $500k on a low-doc basis with ID, ABN and the invoice. Larger or newer businesses may need financial statements.
Will getting a quote affect my credit score?
No. Our assessment doesn’t involve a credit check. A credit enquiry only happens when you decide to apply.
Other finance we arrange
*24-hour turnaround applies to eligible applicants for loans under $500,000. Approval and timing depend on the lender’s credit assessment. General information only; it doesn’t take your objectives, financial situation or needs into account. Speak to your accountant about tax.
Find out what you can borrow
Free assessment, no credit check. We’ll come back to you within one business day.