Truck & Trailer Loans

Finance new or used trucks and trailers with terms from 12 months to 7 years.

Pathfyndr Finance provides personalised broker support to help you secure finance for trucks and trailers across Australia. Whether you’re purchasing, upgrading or expanding your fleet, we compare suitable lender options and guide you from enquiry through to settlement.

From enquiry to settlement, Pathfyndr Finance compares suitable lender options and guides you every step of the way.

Balloon residual payment structures from 0% to 50% to lower your regular repayments.

Apply for pre-approval

50+ Commercial lenders

0-50% Residual balloon

12mo-7yr Flexible terms

Tax Deductible options — speak to your accountant

Commercial Options

Find the Right Truck & Trailer Solution

Commercial Truck Finance

Finance small, medium, and heavy-duty trucks, prime movers, semi-trailers, long-haulers, and specialized commercial transport vehicles.

Prime movers, semis & rigid trucks
Specialized transport & concrete agitators
New & used dealer or private sales

Apply for truck loan

Commercial Trailer & Fleet Loans

Tailored finance for refrigerated trailers, box trailers, freight, tipping, tanker, and heavy haulage equipment across Australia.

Refrigerated, freight & tipping trailers
Flexible seasonal repayment cycles
Up to 100% commercial financing

Apply for trailer loan

Pathfyndr-branded trucks, trailers and commercial equipment

Commercial Heavy Vehicle Finance

Keeping your transport business moving requires reliable heavy vehicles and commercial trailers. At Pathfyndr Finance, we compare commercial loan options from over 50 trusted Australian lenders to secure competitive rates for sole traders, transport fleets, and logistics operators.

We structure your chattel mortgage or commercial hire purchase with flexible payment frequencies - weekly, fortnightly, monthly, quarterly, or seasonal - matching your revenue streams so you can expand your fleet without stressing cash flow.

Loan Structures

Chattel Mortgage & Commercial Finance

Commercial Chattel Mortgage

Your business takes immediate ownership of the truck or trailer while using the vehicle as security. Some businesses may be able to claim GST upfront and deduct interest and depreciation depending on their circumstances. Please speak with your accountant to confirm any tax outcomes.

Commercial Hire Purchase & Lease

Structured finance where the lender retains ownership until the final payment is settled. Features flexible balloon options (0-50%) to keep ongoing overheads low.

Common Questions

Frequently Asked Questions

What types of trucks and trailers can I finance?

We finance all commercial transport assets, including prime movers, light & heavy rigid trucks, semi-trailers, refrigerated trailers, tippers, tankers, concrete agitators, and specialized transport equipment.

Can I finance used trucks or private sale purchases?

Yes! We provide competitive commercial finance for both new and used trucks and trailers, whether purchased through a licensed dealership, commercial auction, or private seller.

What is a balloon (residual) payment on a truck loan?

A balloon payment is a lump sum amount deferred to the end of your loan term (typically between 0% and 50%). This significantly lowers your regular monthly repayments during the loan period.

Can repayment schedules align with seasonal business cash flows?

Yes. Repayment frequencies can be structured weekly, fortnightly, monthly, quarterly, semi-annually, or seasonally to match your transport contract cycles and seasonal revenue.

What tax considerations come with an Equipment Chattel Mortgage?

GST-registered businesses may be able to claim the GST included in the equipment purchase price, and some may be eligible for deductions relating to interest and depreciation depending on their circumstances. Please speak with your accountant to confirm any tax outcomes.

Is 100% financing available for commercial trucks?

Yes! Eligible businesses can access 100% finance covering the complete vehicle purchase cost with $0 deposit required.

Why Choose Pathfyndr for Your Truck & Trailer Loans?

We specialize in commercial equipment and transport finance, comparing 50+ lenders to keep your business moving forward.

Apply for pre-approval

Commercial transport finance specialists
50+ trusted Australian lenders
New & used trucks & trailers
Balloon residual options 0%-50%
Seasonal & flexible payment terms
Fast 24-48hr settlement process