Trusted by Australia’s Leading Lenders
Truck Loans And Heavy Vehicle Financing
- Access competitive truck finance rates from a diverse panel of 30+ lenders
- Secure funding up to $1 million
- Receive expert assistance throughout your application process
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- Fixed low rates
- Dealer Sale
- Private Sale
- Pre approvals
Trusted bank partners
We Are Experts At Truck Financing
Look, it doesn’t matter if you’re buying a new or used truck, National Loans makes the process easy.
With a wide panel of lenders and a focus on helping businesses protect their cash flow, we will tailor a finance solution to your unique needs – whether it’s low monthly repayments, competitive rates, or flexible terms. Let National Loans guide you every step of the way.
Why Choose National Loans?
2100 + 5-Star Google Reviews
We have helped thousands of Australians get behind the wheel with tailored truck finance.
Fast Pre-Approval
Apply in under 5 minutes and get pre-approved within an hour.
We Work for You, Not the Banks
Our team finds the best rate, not what suits the lender.
Lower Rates with More Options
With 25+ years of experience and lender relationships, we help you save more.
Free Truck Finder Service
New or used trucks—get access to fleet pricing and a trusted dealer network.
Only 3 Simple Steps For Truck Financing
Apply Online
It takes less than 5 minutes to share your needs and get started.
Choose Your Truck
Already found one? Great. Need help? We will connect you with verified sellers.
Sign and Drive
Review and sign your documents. We will handle the rest so you can hit the road.
How can you benefit from us?
First time buyers
If you are a first-time finance buyer:
- We are available to answer all your questions
- We will give you peace of mind while going through this process.
- We will offer you the best possible rate to meet your needs.
- We will work with you as you learn the ins and outs of financing in Australia
Experienced Buyers
If you are an experienced buyer, we urge you to contact us today. Give us a chance to not only lower your costs and rates but offer you a better overall experience.
If you know what you are looking for, and understand financing vehicles, you have the most to gain from us.
Do You Have Credit Issues?
Credit history shouldn’t hold you back. Our team specialises in helping customers with past challenges get approved. We will find a solution that works without adding financial pressure.
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IN OUR TRUCK FINANCE GUIDE
Need Truck Financing?
Credit history shouldn’t hold you back. Our team specialises in helping customers with past challenges get approved. We will find a solution that works without adding financial pressure.
- Apply online in minutes or give us a call on 1300 358 358
- We’re here 7 days a week, 8am–9pm AEST to help you secure the right truck loan.
What our customer say 2100+ reviews
Hassle free financing very quick and easy to deal with with easily affordable repayments well done
I had an exceptional experience with National Loans. Kelly provided prompt, professional, and courteous service throughout the process. I highly recommend requesting her assistance for a seamless and efficient experience.
Just want to thank Ziv for looking after my car loan from National LoanEverything was well explained and no stressful at allThanks Ziv
Joel was fantastic to deal with. Very clear, explained the process easily. Highly articulate and obviously knowledgeable in his field.If there is a standard for excellence then Joel is in the group that set that standard.I never felt pressure, Joel assisted in getting a better deal than I had found and a finance package at reasonable interest.Definitely 5 stars, more actually.More than satisied and wish Joel every successStuart
Friendly, swift and smooth service as always from Matthew. Reliable in getting the best rates and very efficient in doing so. Highly recommend!
Going through the loan process with Teo was a calm and stress free experience, very approachable and a pleasure to deal with. Very happy with the outcome, thanks again to Teo!
I cannot thank Teo enough for the incredible service he provided throughout the entire loan process. From the very beginning, he was professional, knowledgeable, and genuinely committed to helping me achieve my goal. No question was ever too small, and he always made time to explain everything clearly and patiently.His hard work, dedication, and attention to detail truly made all the difference. Thanks to Teo, I was able to secure the loan I needed with minimal stress and maximum confidence. It’s rare to find someone who goes above and beyond the way he does, and I am truly grateful for everything he has done.I would recommend Teo over and over again to anyone looking for a broker who delivers results and genuinely cares about their clients. Thank you again, Teo – you’re the best!
Great communicating and easy friendly process. The rates and terms were also better than I could find anywhere else. I highly recommend Joel at National Loans. Thank you for a smooth, hassle free transaction.
Emma was Amazing, she was personal, great communication skills and she was always there through out the loan process
Emma was amazing to deal with very understandable when I was at work very passionate about her job and making sure everything was taken care of off for me
I highly recommend using National Loans. Teo went above and beyond with everything that he did to help me purchase my ute. He gave great advice on how to secure a Ute after the first one I found, got sold from underneath me.Teo was fun, polite and professional.I really felt like Teo was working with me and for me in every aspect.Thanks you, Teo and National loans.
Great individualised service! Teo provided great advice and support that was tailored to my budget and sought a financial provider that had a loan offer that the dealership could not match.
Dave helped me find the best lender and had my car finance processed at lightning speeds.He wasn’t pushy and had clear, concise communication throughout the process.I would highly recommend using Dave for your finance needs- he delivers the goods!
Katelyn Betts has been an absolute legend throughout the whole process, very friendly and extremely determined to get the best deal possible in order to secure the car I was after asap. Great communication and prompt replies, very knowledgeable and just all around the best experience I could have expected. Definitely worth your time to pick this company and ask for her specifically, you won’t regret it.
I had the pleasure of working with Bailey for my recent car loan, and I can’t recommend him enough! As a young buyer, I was initially nervous about the process, but Bailey’s understanding and patience made all the difference.From the very beginning, Bailey’s exceptional work ethic and genuine commitment were evident. He took the time to explain every detail, patiently answering all my questions with clarity and kindness. What truly stood out was how comfortable and at ease he made me feel—interacting with Bailey felt more like talking to a friend than a broker. His empathy and friendly demeanor turned what could have been a stressful experience into a smooth and reassuring one.Bailey’s ability to connect on a personal level, while still being incredibly professional, made this process so much easier and enjoyable. If you’re looking for a car loan broker who combines professionalism with a personal touch, Bailey is the one. Thank you Bailey for your outstanding support and for making my first car loan experience such a positive one!
What an amazing experience with David Guo. David is truly a professional who will go above and behind for his client to ensure all their needs are met whilst assisting them with a loan. David was patient and effortlessly working with over a 2 month period to ensure I got the right loan to buy a car!! Now thanks to David I am driver a Range Rover sport !!! Thank you national loans but a massive thank you to David!! You are the bomb !!
I recently had the pleasure of working with Shannen at National Loans, for a personal car loan. I can’t say enough about the exceptional experience! Shannen’s blend of efficiency and professionalism made navigating the complex world of car finance feel surprisingly straightforward and stress-free.From the very beginning, Shannen’s friendly and approachable nature shone through. She has a fantastic sense of humor that turned what could have been dry financial discussions into enjoyable conversations. Her ability to explain intricate details with clarity and a touch of wit is truly remarkable.She listened attentively to my wishes and provided insightful, personalized advice that I could actually understand and implement. Her dedication and genuine care for her clients are evident in every interaction.Shannen’s efficient handling of my requests and her quick, thorough responses made the entire process seamless. Her professionalism is top-notch, but it’s her friendly demeanor and funny analogies that truly set her apart.If you’re looking for someone who combines expertise with a personal touch, Shannen Muir is your go-to person. Thank you, Shannen, for making my amazing new car appear in my driveway.
Frequently Asked Questions About Truck Finance
There are several common structures for truck finance:
Chattel Mortgage – You own the truck from day one; the lender holds a mortgage over it.
Hire Purchase (HP) – You hire the truck and gain ownership at the end of the term once all payments are made.
Finance Lease – You lease the truck for an agreed term; you may have the option to purchase or refinance at lease-end.
Operating Lease – Similar to a rental, with no purchase option – ideal if you prefer off-balance-sheet treatment.
Each option has different tax and cash-flow impacts. Your choice will depend on whether you’re a sole trader or company, your ABN status, and your balance-sheet or cash-flow priorities.
Rates vary with:
Loan type (chattel mortgage vs. lease)
Term length (typically 1–7 years)
Borrower profile (credit history, ABN age, financials)
Vehicle age/value
As a ballpark, fixed rates often start around 5–7% p.a. for new trucks; used-vehicle rates can be 7–10% p.a. or higher. Your exact rate will depend on your specific circumstances and the product you choose.
Yes. Having a current ABN (often held for at least 6 months) lets you apply as a business borrower. You’ll need to provide:
Business financials (tax returns, BAS statements)
Proof of ABN registration
Driver’s licence and identification
AABN age and credit history
This typically gives access to better commercial rates and structures than personal-name applications.
Yes—most major banks (ANZ, NAB, Westpac, CBA) and specialist non-bank financiers provide commercial vehicle finance, including trucks. Product names vary (e.g. “ANZ Equipment Finance”). Specialist providers often have more flexible terms for older vehicles or unusual models.
Truck finance is a form of asset finance. Machinery loans follow similar rate structures:
New assets: typically 5–8% p.a.
Used assets: typically 7–12% p.a.
Rates depend on asset type, age, and your credit profile. Always compare commercial asset-finance products as some lenders specialise in plant & equipment.
Most national lenders will finance from around $10,000 up to $1 million+, depending on:
The truck’s valuation
Your deposit (usually 10–20%)
Your business turnover and servicing capacity
If you need a larger fleet or heavy-duty prime mover, specialist heavy-equipment financiers can structure multi-million-dollar facilities.
Vehicle-age caps vary by lender and product:
Standard lenders often cap at 10 years old at finance commencement.
Specialist lenders may go up to 15 years (or beyond, for well-maintained, low-hour trucks).
For older trucks you may pay a higher rate or need a larger deposit.
Tip: Always compare both banks and specialist asset-finance brokers. Look beyond headline rates—consider fees, flexibility, residual values and end-of-term options to find the best overall deal for your business.
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