Truck & trailer finance.
From your first truck to growing the fleet. Finance that's structured around how your business earns, not just a standard term.
- 30+ five star reviews
- 60+ lenders compared
- No credit file impact to enquire
Get started
See what you could be approved for.
Overview
Finance that fits how you'll use it.
Trucks and trailers are what keep your business earning, so the finance needs to fit your cash flow, your contracts and your plans to grow. Lenders look at transport differently, and some have a much stronger appetite for it than others.
Hayden works with owner drivers, operators and fleet businesses to compare options across 60+ lenders, including specialist transport lenders, and coordinates with the dealer or seller through to settlement.
What we can finance
- Prime movers
- Rigid trucks and light trucks
- Tippers and tipper trailers
- Curtain siders, flat tops and refrigerated bodies
- Trailers, B-doubles and dollies
- New, used and private sale
- Fleet additions and refinancing
Loan options
How it can be structured.
- 01
Chattel mortgage
Own the truck from day one, with the loan secured against it. A common choice for businesses on an ABN.
- 02
Finance lease
The lender owns the asset and you lease it for an agreed term, with an option at the end to pay out the residual.
- 03
Balloon or residual
Lower regular repayments with a lump sum at the end, useful when you plan to upgrade.
What lenders look at
Every lender weighs these differently. That's why comparing across 60+ of them matters.
- Time in business and ABN/GST history
- Industry experience and contracts in place
- Business and personal credit history
- Age, type and value of the truck or trailer
- Financials or bank statements, depending on the loan
How it works
Three steps. One broker.
No surprises. Nothing goes to a lender until you're happy to go ahead.
- 01
Tell us what you're looking to finance
Prime mover, rigid, tipper or trailer, new or used. Tell us the truck and the work it's for.
- 2 minute quote
- New or used
- 02
We compare suitable options suited to you
Hayden checks 60+ lenders, including specialist transport lenders, for the term, balloon and structure that suits your cash flow.
- Specialist transport lenders
- One application, not ten
- 03
Approval, documents and settlement
Paperwork handled and settlement coordinated with the dealer or seller, so the truck is on the road and earning.
- Most deals approved within 24 hours
- Dealer or private sale
Reviews
30+ five star reviews
- $3,100 Average saved per deal vs bank or dealer
- 93% Approval rate
- 24 hrs Most deals approved within
What clients say
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Hayden has helped me on numerous occasions and has been very easy to work with. He has made it much easier for myself. His communication is second to none. He has had finance settled within 24 hours at the best rate possible. He has been very professional throughout both applications and I would highly recommend going through Hayden to get exactly what you're after. Will definitely be working with Hayden again.
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Unreal to deal with made the whole process a dream would recommend to anyone that is looking for finance
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Hayden has been amazing to work with, always onto everything straight away. I've worked with him twice in the last 6 months and is always motivated to have everything completed for you in a timely manner. For example my last request was approved and sorted within 24 hours also with a lender that was more suited to my needs. Always easy to talk to and work with and very professional. Will be working with him more in the future.
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Couldn't recommend Hayden enough! He was fantastic throughout the entire process - fast, reliable and thorough with every detail to make sure we achieved the best possible result. One thing we really appreciated was how accommodating Hayden was with our work schedules, often making himself available for chats after hours when needed. What stood out to us most was his honesty. He was always upfront, explained everything clearly and there were no hidden surprises along the way. An absolute pleasure to deal with and someone we would highly recommend to anyone looking for someone reliable and trustworthy. We will definitely be using Hayden for all of our future finance needs.
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I had a great experience with Hayden from start to finish. The dealer had a 'special rate' for the month and Hayden still managed to beat it and structure the deal properly for me. Everything was super quick and stress free. Would highly recommend to anyone looking to get finance done correctly.
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I honestly can't recommend Hayden enough, he was absolutely amazing throughout the entire process. Hayden was so patient and took the time to explain everything to a T, making sure I genuinely understood the loan and all the details involved. He was always responsive, easy to reach, and never once made me feel rushed or pressured. What really stood out to me was that at no point did I feel condescended. I felt completely comfortable asking any question, even the ones I thought might be "stupid." He answered everything with such clarity and respect. His candour and professionalism were outstanding, and you can really tell he cares about making sure his clients feel confident and informed. I'm so grateful for his help and wouldn't hesitate to recommend him to anyone looking for loan assistance.
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Hayden moved super quick and made the whole process hassle free. I called Hayden at 11am and I pick up my Ute the next day. Will be using his service again.
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Excellent service, great rates for my Land Cruiser 300 series. Highly recommend
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I had an excellent experience with Hayden. He helped me secure finance for my Ute and made the whole process incredibly smooth and quick. His communication was clear, his rates were very competitive, and he was completely honest throughout the process. Highly recommend Hayden if you're looking for a reliable and professional broker.
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Thanks to this legend of a bloke. Hayden has made it so easy for me to get behind the wheel weapon. Kids and I are so stoked. Thanks mate.
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I recently used Hayden for a loan, and I couldn't be more impressed with the service. The application process was super straightforward and user friendly. I was able to submit everything quickly, and the approval process was really fast. What really stood out was the customer service. They were responsive, friendly, and always ready to answer my questions. They made sure I fully understood the terms of the loan and helped me pick the best option for my needs. The loan itself has great terms, and I felt confident that I was making a smart financial decision. If you're looking for a reliable and easy way to get a loan, I highly recommend Hayden. They made the process simple, stress free, and I'm really grateful for their support throughout!
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Hayden and the team did an excellent job organising a car loan for our business. The turnaround was fast, communication was clear, and everything was handled efficiently with no fuss. It made the whole process easy for us. Highly recommend their service.
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Thanks for everything mate. Thanks for making it so seamless, it was a bloody good experience to deal with someone who's just one of the boys. Well done, I'll definitely be recommending you and using your services again.
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Thank you for all your support and patience to answer my queries and work on my quote and make it happen. I found you with immense knowledge on the subject and too professional to match the competitive pricing for my benefit.
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Thank you for sorting out the finance for the car. I just wanted to pass a complimentary note on the professional level of customer service with documentation, conversations and follow up, we felt confident with the way you walked us through the process. Should we need to look at future finance we would certainly consider your services and would recommend your services to anyone looking for finance.
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Always there to help with my finance from start to finish. Quick and easy process. I highly recommend.
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Thank you for all your assistance through this journey. I will be referring your services to others. You made it extremely easy.
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I was very happy with the service you provided. Your communication was excellent throughout the entire process. I would definitely recommend you to others.
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Excellent service and easy to deal with. Highly recommend
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Very reasonable and reliable
FAQs
Truck & Trailer Finance, answered.
Still have a question?
Talk to Hayden directly. No call centre, no obligation.
01 Can I get truck finance as a new owner driver?
Often, yes. Some lenders will consider new ABNs, especially with relevant driving experience or a contract in place. Others need a longer trading history, which is why comparing lenders matters.
02 Can I finance an older truck?
Yes, though lenders set limits on the age of the asset at the end of the loan. We'll match you with lenders that suit the truck you're looking at.
03 Are low doc options available?
For eligible businesses, yes. Low doc options can reduce the paperwork needed, but usually depend on your ABN and GST history.
04 Can I finance a trailer on its own?
Yes. Trailers can be financed separately or together with a truck.
Your broker
Hey, I'm Hayden.
Founder & Director, Fund 360
No call centres, no being passed around. From first enquiry to settlement, you deal directly with Hayden.
Free, no obligation quote. No impact on your credit file.