Commercial Truck Loans that move as fast as you do
Our Best Rate
5.67
%*
P.A.
COMPARISON RATE
17 May 2026
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best rate!
Our experts make
life simple.
See what you qualify for with no commitment and ZERO impact on your credit score
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best rate!
Our experts make
life simple.
One phone call. Every major lender. Best deal guaranteed.
Flexible finance designed for commercial wheels
Most big banks take a one-size-fits-all approach to commercial truck finance. That means you end up with slow approvals, unfavourable terms or missed opportunities.
We do things differently. By focusing on your industry needs – construction, long-haul transport, or local delivery – we secure terms that actually make sense for your business.
☐ Rapid approvals (often under 24 hours)
Our streamlined digital process can get you approved in as little as a day. No more waiting. Jump on the right vehicle at the right time.
☐ Access to 30+ lending options
Our panel of over thirty bank and non-bank lenders includes expert commercial funders who specialise in heavy vehicle assets.
☐ Finance for new, used or fleet sales
From the latest showroom semi-truck to a reliable used tipper from a private seller, we can help finance a range of business purchases.
If it keeps your business moving on the road…
There’s a good chance we can finance it.
OVER $550
MILLION
IN LOANS APPROVED
JENNY - FIDO FINANCE CUSTOMER
Our popular truck finance solutions
We understand you need quick and flexible financing to keep your business moving forward. That’s why we look beyond your credit score to find loans that support your cash flow, suit your tax requirements, and get you on the road in record time.
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HOW WE SUPPORT TRANSPORT INDUSTRIES
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✅ Secured loans
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✅ Unsecured loans
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✅ Leasing & fleet finance
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✅ Low doc / no doc loans
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✅ Chattel mortgages
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✅ Refinancing existing debt
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✅ Balloon payments
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✅ No deposit loans
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 FIDO SAYS:
For many businesses, a Balloon Payment can be a savvy way to keep your monthly repayments low and preserve cash flow for fuel and maintenance. When your loan term ends, you can choose to pay it out, refinance the balance, or trade in the truck for a newer model. At Fido Finance, we’re all about keeping your capital where it belongs – working for you. |
Wouldn’t It be nice to find a loan that moves with your business? We thought so to.
Standard off-the-shelf loans might work for some operators. But they don’t work for us (and we’re guessing they don’t work for you, either). We finance everything from light commercial vans and tippers to heavy-duty prime movers and specialised trailers.
Whether you’re buying a brand-new Kenworth from a dealer or a pre-loved Isuzu from a private seller, we tailor the structure to suit your 2026 business reality.
That means:
- Customised repayments: Structure your loan to align with your business cycle, whether that’s seasonal peaks or monthly contract payments.
- Tax-smart structuring: From Chattel Mortgages that let you claim the GST upfront to flexible loans that keep your monthly overheads low, we find the model that fits your tax position.
- Skip the red tape: We offer a streamlined digital process and a broker who actually knows the difference between a GVM and a GCM.
- Anything with wheels (some without): From 4×4 work utes and light commercials to prime movers, trailers, and even buses, we finance it all.
OVER $550
MILLION
IN LOANS APPROVED
Six simple steps to securing your same-day financing
Supply a few details
Share your name, number
and email.
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Quick 10 min chat to get to
know each other.
We fetch your best rate
We go out and work hard on
your behalf.
You approve your rate
Give us the thumbs up to go
ahead with your loan.
Sign your contract online
No messy paperwork or
scanning – just sign off online.
Get Moving
You could be funded and
on the road in 24 hours.
Say goodbye to complex lending processes and yawn-inducing paperwork
Low doc and no doc loans
Don’t have your latest tax returns ready? No problem. If you’re busy on the road or managing a team, you might not have up-to-date paperwork ready.
That’s where Low Doc and No Doc loans come in.
These are specialist products designed for ABN holders who have the income to service a loan but lack the traditional financial statements usually required.
☐ Low Doc: Instead of two years of full tax returns, we typically only need your ABN history, a clean credit file, and recent bank statements or a BAS to verify your business turnover.
☐ No Doc: For established businesses (usually trading 2+ years) with a strong credit history, we can often secure truck finance up to $150k – $250k based purely on your ABN status and a simple self-declaration of income.
Why truckies love them:
- Speed: Without the need for full financial figures, approvals can often happen in hours, not weeks.
- Privacy: You don’t have to disclose your entire personal financial history to a lender.
- Opportunity: See a great deal on a second-hand rig at an auction? Low doc pre-approval lets you move fast before someone else snags it.
OVER $550
MILLION
IN LOANS APPROVED
Contact us today to get the lowest rate possible
Receive unmatched support and knowledge from a truck finance expert – with no obligation or commitment. Put our panel of 30+ lenders to the test whether you’re looking for a rate that works for you or just looking to explore your options.
No commitment. Serious business-building potential.
Trusted by 1000s of business owners for over 5 years
What sets us apart:
30+ trusted lending partners
100% Australian-based team
Over $550 million in loans approved
5.0/5 average customer rating on ProductReview.com.au!
Most approvals within 24 hours
Voted best in car loans four years running: 2023, 2024, 2025, 2026
Frequently asked questions
What is a Chattel Mortgage and why is it popular for trucks?
A Chattel Mortgage is a secured business loan where you take ownership of the truck, while the lender retains the vehicle as security (the chattel). It’s popular because GST-registered businesses can typically claim tax benefits, including claiming interest, depreciation and GST.
Can I get a truck loan if my ABN is new?
Yes. Most mainstream lenders prefer an ABN that’s been active for at least 12–24 months. At Fido Finance, we have access to specialist lenders who support new businesses. If you have a solid business plan, a work-source letter from a major contractor, or significant industry experience, we can often secure competitive finance even if your ABN is only a few months old.
What are low doc loans and how do they work?
Low Doc (Low Documentation) loans are designed for busy operators who don’t have up-to-date tax returns or full financial statements. Instead of a mountain of paperwork, lenders look at your ABN history, credit score, and recent bank statements to verify your income.
Should I include a balloon payment on my truck loan?
A balloon payment is a lump sum left at the end of your loan term. By deferring a portion of the principal, you can significantly lower your monthly repayments, which keeps more working capital in your business. When the balloon payment is due, you can either pay it off, refinance the balance, or trade in the truck for a newer model.
Can I finance a used truck from a private seller?
Absolutely. We don’t limit you to dealerships. If you’ve found the perfect second-hand rig, we handle the admin, including the PPSR title search and payout, to ensure the transaction is safe and the title is clear before you hit the road.
What’s the maximum age of a truck I can finance?
While big banks often draw the line at trucks older than 5–7 years, we work with more flexible lenders. We can often finance trucks up to 15 years old at the end of the loan term. If the rig is well-maintained and essential for your work, we’ll help you find a lender that meets your needs.
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