5.0 rating
From $30,000 up to $1,000,000+ depending on profile and asset
1 to 7 year terms with optional balloons/residuals
Same-day decisions possible for eligible applications
Dealer, auction or private sales supported
Chattel mortgage, hire purchase, finance lease
Finance bodies, cranes, fridges, hydraulics and telemetry
Share business details, vehicle specs and budget.
Our Lender Match compares structures, rates and terms side-by-side.
Provide ID, ABN/GST and bank statements (financials for higher limits).
We coordinate with the seller/body builder so you can get on the road sooner.
Heavy vehicle finance helps Australian transport, civil and resources businesses acquire trucks and buses without draining working capital. Common structures include chattel mortgage (ownership from day one), commercial hire purchase (ownership transfers at the end) and finance lease (use during the term with a residual). Pricing and limits depend on turnover, time in business, credit health and asset specs (age, kilometres/hours, body and purpose). Balloons/residuals can lower repayments to match asset life and contract cash flow. Whether you’re adding a prime mover for interstate work or fitting a tipper for quarry runs, the right structure keeps cash flow predictable.
This guide is broken down into the following sections. Click a link if you want to skip ahead.
Choose a structure aligned to ownership, tax treatment and cash flow:
A secured loan where you own the asset from day one while the lender holds a mortgage over it as security. Perfect for business equipment, vehicles, and machinery purchases.
Established businesses looking to purchase equipment, vehicles, or machinery with immediate ownership and maximum tax benefits.
A financing arrangement where you hire the asset with an obligation to purchase it at the end of the term. Combines the benefits of gradual ownership with manageable monthly payments.
Businesses that want eventual ownership of assets but need to spread the cost over time, particularly suitable for essential equipment with long useful life.
A lease agreement where you use the asset throughout the lease term with the option to purchase it at the end. Ideal for businesses wanting to preserve cash flow while accessing essential equipment.
Growing businesses that need equipment access without large capital outlay, or companies wanting to preserve cash flow for operations.
A rental agreement for business equipment where you use the asset for a set period without ownership obligations. Perfect for equipment that becomes obsolete quickly or seasonal business needs.
Businesses needing short-term equipment access, companies in rapidly evolving industries, or those wanting predictable operating expenses without ownership risks.
Finance can cover the base vehicle and many specialist bodies or attachments.
Add or upgrade prime movers for interstate and B-double work; finance telematics and aero kits.
Rigid tippers and dog trailers for quarry, civil and aggregate runs; include hydraulics and bodies.
Install cranes, hook-lifts or tail-lifters for construction and waste applications.
Chill/freezer bodies for food and pharma logistics with compliant insulation and refrigeration units.
Compactors, vacuum trucks and water carts configured for councils, mining and site services.
Route buses, school buses and coaches, including seat fit-outs and accessibility options.
Renee P, North-South Linehaul Pty Ltd
Industry: Linehaul Transport
Challenge: Needed a late-model prime mover without stretching monthly cash flow during shoulder seasons.
Solution: Finance lease, 60-month term with a 30% residual aligned to expected resale value.
A Brisbane transport operator financed a Euro 6 prime mover. By choosing a finance lease with a 30% residual, monthly repayments stayed lean while the business kept capital for fuel and tyres. Based on historical resale, the residual is expected to be largely cleared at term end, simplifying upgrades.
Typical facilities range from $30,000 to $1,000,000+ per asset. Limits depend on turnover, trading history, contract pipeline, and the vehicle’s age/specs. Many lenders fund up to 100% of purchase price for newer assets (plus body/fit-out); older or highly specialised units may have lower LVRs and shorter terms.
Balance over time
Lenders focus on serviceability, trading stability and asset suitability. Newer, lower-kilometre vehicles and reputable body builders usually attract sharper pricing. Contracted work and healthy bank statements improve approval odds.
You may be eligible if you are:
An Australian business with active ABN (GST preferred for larger limits)
Over 18 years old
Trading for 12+ months (start-ups considered case-by-case with evidence of contracts)
Consistent monthly turnover and clean credit history
Purchasing an eligible asset (prime mover, rigid, tipper, tanker, bus/coach)
Apply online in minutes. We’ll compare offers across chattel mortgage, hire purchase and lease options, then coordinate settlement with the dealer or body builder.
Documents you may need:
ABN and GST details
Photo ID (driver’s licence or passport)
Business bank statements (3–6 months)
Tax returns/BAS for larger limits
Vehicle specs (VIN, rego, build sheet/quote) and any contract evidence
Compare structures—not just rates—as tax treatment and cash-flow outcomes differ. Size the residual/balloon to match realistic resale values and kilometres/hours. Bundle bodies and fit-outs (cranes, fridges, hydraulics, telemetry) at settlement so they’re financed at the same rate. Newer, fuel-efficient models often qualify for sharper pricing and lower whole-of-life costs.
Example: Residual impact — $180,000 over 60 months at 8.49% p.a.:
Residual/Balloon | Approx. Monthly Repayment | Notes |
---|---|---|
$0 | $3,692 | Highest monthly cost |
10% ($18,000) | $3,450 | Lower monthly cost |
20% ($36,000) | $3,208 | Balanced cost vs cash flow |
30% ($54,000) | $2,967 | Lowest monthly cost; plan resale/refinance at term end |
Set up finance to suit ownership goals, upgrade cycles and budgeting certainty.
Most heavy vehicle loans are secured against the asset for sharper rates; unsecured options cost more and have lower limits.
Lower monthly costs by deferring a lump sum to the end—payout, refinance or trade at term.
Fixed gives certainty for budgets; variable may save if market rates fall, but adds rate risk.
Some lenders allow early payout or extra repayments; others charge break fees—check before you sign.
Bodies, cranes, fridges and hydraulics can often be financed alongside the base vehicle.
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I would highly recommend Emu Money for loan purposes. Special thanks to Eujin who helped me to get the car loan within 24 hrs with no hassles at all. There services are so good.
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I've worked with Brad for quite some time, and after 25+ years in business across Australia, I can say with confidence: professionals like him are rare, in his case, unique in the industry. Brad understands business, printers, people, and lenders better than anyone I've worked with. The advice he's given, the care he's shown, and the way he's gone above and beyond to make sure my customers get the best deal possible has made a real impact. Some of my customers haven't just grown, they have exceeded expectations. For me, that's the proof in the pudding.
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