Commercial Vehicle Finance
Trucks, utes, vans—keep your business moving with competitive commercial vehicle finance.
From a single work ute to a full fleet, we find tax-effective finance from 20+ lenders. Fast approvals, expert guidance.
Vehicles We Finance
From light commercial to heavy haulage—if it's got wheels and helps your business, we can finance it.
Trucks & Heavy Vehicles
From light trucks to prime movers. Finance for new or used commercial trucks of any size.
- Light trucks (Hino, Isuzu)
- Medium rigid trucks
- Prime movers
- Tippers & tray trucks
Utes & Light Commercial
Work utes, dual-cabs, and light commercial vehicles. Personal or business use options.
- Toyota Hilux, Ford Ranger
- Dual-cab utes
- Single-cab work utes
- Tradie vehicles
Vans & Delivery Vehicles
Cargo vans, delivery vehicles, and service vans. Keep your deliveries moving.
- Cargo vans
- Refrigerated vehicles
- Service/tool vans
- Minibuses
Fleet Financing
Multiple vehicles? We arrange fleet finance packages with volume discounts and streamlined admin.
- Volume discounts
- Single point of contact
- Flexible terms per vehicle
- Fleet management options
Finance Options
Choose the structure that works best for your business. We'll explain the tax implications of each.
Chattel Mortgage
You own the vehicle. Interest and depreciation are tax-deductible. Most popular for ABN holders.
Best for:
GST-registered businesses
Finance Lease
Lease with option to purchase at end. 100% of payments are deductible. Lower monthly payments.
Best for:
Cash flow focused businesses
Commercial Hire Purchase
Fixed payments, you own at end. GST claimable upfront. Clear total cost from day one.
Best for:
Businesses wanting fixed costs
Novated Lease
Salary packaging through employer. Potential tax savings for employees using vehicles for work.
Best for:
Employees with salary packaging
Why Choose Us?
Tax Effective
Claim GST, depreciation, and interest. Structure finance for maximum tax efficiency with advice from our team.
20+ Lenders
Access to major banks, specialist commercial lenders, and equipment finance providers. We find the best fit.
Fast Approval
Don't miss the vehicle you want. Many applications approved same-day so you can move quickly.
All Sizes Welcome
From a single ute to a fleet of trucks. We handle finance for commercial vehicles of any size.
Need Multiple Vehicles?
Fleet financing is our specialty. Whether you're adding 2 vehicles or 20, we arrange packages with volume benefits and simplified administration.
- Volume discounts on rates and fees
- Single point of contact for all vehicles
- Flexible terms—different for each vehicle
- Ongoing support as your fleet grows
Commercial Vehicle FAQs
What deposit do I need for a truck?
It varies by lender and your financial position. Many commercial vehicle loans are available with 10-20% deposit, some with no deposit for strong applicants. We'll find what works for you.
Can I finance a used truck?
Yes. Lenders finance quality used trucks, typically up to 15-20 years old depending on condition and value. Older vehicles may require a valuation.
Is it better to buy or lease commercial vehicles?
It depends on your business. Buying (via chattel mortgage) suits businesses wanting ownership and GST credits. Leasing suits those wanting lower payments and flexibility. We'll explain the tax implications of each.
What if I'm a new business?
New businesses can still get finance, though options may be more limited. We work with lenders who support new businesses and can advise on improving your application.
How quickly can you settle?
Many commercial vehicle loans settle within 24-48 hours of approval. For urgent needs, let us know and we'll prioritise your application.
Ready to Finance Your Commercial Vehicle?
Get a free quote and compare options. Fast approval, expert guidance, competitive rates from 20+ lenders.
J2C responds within 2 hours during business hours