Compare Trailer Finance from 50+ Australian Lenders

Finance utility, flatbed, refrigerated and specialised trailers with flexible loan structures. Competitive rates, fast approvals, and options tailored to business needs.

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Business Trailer Finance Australia
Emu Money Trailer Loans

Trailer Finance Made Simple

From logistics fleets to farm equipment, the right trailer is essential for efficiency. Finance designed to fit cash flow, asset life and business growth.

Borrow With Confidence

From $5,000 up to $250,000+ depending on trailer type and business profile

Flexible Terms

1 to 7 year terms with optional balloons/residuals

Fast Approvals

Same-day approvals possible for eligible applications

New or Used

Finance trailers from dealers, auctions or private sellers

Tax-Smart Structures

Chattel mortgage, hire purchase, finance lease available

Customised Fit-Outs

Finance refrigerated units, shelving, hydraulic lifts or branding

How it works

We match your application to lenders that specialise in trailer finance so you can compare rates, terms and structures with confidence.

1.

Apply online in 3 minutes

Provide your business details, trailer type and budget.

2.

See matched options

Our Lender Match tool compares loan structures and rates side-by-side.

3.

Upload documents

Submit ID, ABN/GST details and recent bank statements (financials for larger facilities).

4.

Settle & collect

We arrange settlement so you can pick up or deploy your trailer faster.

How Business Trailer Finance Works

Backed by over 50+ lenders

Giving you the best chance of being approved.

Affordable Car Loans
Alex Bank
Angle Finance
ANZ
Australian Motorcycle & Marine Finance
Australian Premier Finance
Automotive Financial Services
Azora
Bank of Melbourne
Bizcap
BOQ
Branded Financial Services
Capify
Capital Finance
CarStart Finance
CFI
Dynamoney
EarlyPay
Equity Tap
Finance One
Finstro
Firstmac
Flexi Commercial
Green Light Auto
Grenke
Latitude
Liberty
Lumi
Metro
Money3
MoneyMe
MoneyPlace
Morris Finance
Moula
Multipli
Now Finance
Pepper Money
Plenti
Prospa
Resimac
ScotPac
Selfco
Shift
SocietyOne
UME Loans
Vestone
Westpac
Wisr
Yellow Gate

Ready to get started?

Compare trailer finance from 50+ lenders with one simple application.

A quick guide to trailer finance

Trailer finance helps Australian businesses secure essential haulage equipment without depleting working capital. Structures include chattel mortgage (ownership from day one), hire purchase (ownership transfers at end), and finance lease (use during the term, with a residual). Loan size and pricing depend on business turnover, credit profile and trailer type—whether it’s a flatbed, refrigerated, livestock or enclosed unit. Many lenders allow balloons to keep repayments affordable while aligning costs with the trailer’s useful life. Trailer finance is widely used across logistics, construction, agriculture and mobile services.

Types of trailer finance

Choose a structure aligned to ownership, tax treatment and cash flow:

Chattel Mortgage

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.

Loan Amount$5,000 - $2,000,000
Term12 - 84 months
Interest RateFrom 6.59%
Time to Fund24 - 48 hours
EligibilityABN registered, GST registered (if applicable), Australian Citizen or PR
Pros
  • Immediate ownership of the asset
  • Tax benefits - claim GST credits and depreciation
  • Flexible repayment terms available
  • Lower interest rates due to security
Cons
  • Asset serves as security - risk of repossession
  • Comprehensive insurance typically required
  • Ongoing maintenance responsibilities
Best For

Established businesses looking to purchase equipment, vehicles, or machinery with immediate ownership and maximum tax benefits.

Hire Purchase

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.

Loan Amount$5,000 - $2,000,000
Term12 - 84 months
Interest RateFrom 6.59%
Time to Fund24 - 48 hours
EligibilityABN registered, GST registered (if applicable), Australian Citizen or PR
Pros
  • Guaranteed ownership at term completion
  • Fixed monthly payments for budgeting
  • No large upfront capital required
  • Tax benefits available during the term
Cons
  • No ownership until final payment made
  • Higher total cost than outright purchase
  • Asset cannot be sold during the term
  • Early termination may incur penalties
Best For

Businesses that want eventual ownership of assets but need to spread the cost over time, particularly suitable for essential equipment with long useful life.

Finance Lease

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.

Loan Amount$5,000 - $2,000,000
Term12 - 84 months
Interest RateFrom 6.59%
Time to Fund24 - 48 hours
EligibilityABN registered, GST registered (if applicable), Australian Citizen or PR
Pros
  • Lower upfront costs and deposits
  • Preserves working capital and credit lines
  • Tax deductible lease payments
  • Option to purchase at lease end
Cons
  • No ownership until lease completion
  • Total cost may be higher than outright purchase
  • Early termination penalties may apply
Best For

Growing businesses that need equipment access without large capital outlay, or companies wanting to preserve cash flow for operations.

Operating Lease

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.

Loan Amount$5,000 - $2,000,000
Term12 - 84 months
Interest RateFrom 6.59%
Time to Fund24 - 48 hours
EligibilityABN registered, GST registered (if applicable), Australian Citizen or PR
Pros
  • No ownership responsibilities or risks
  • Lower monthly payments than finance options
  • Easy upgrades to newer equipment
  • Tax deductible lease payments
Cons
  • No equity built in the asset
  • No ownership at lease end
  • Limited customisation options
  • Ongoing payment obligations
Best For

Businesses needing short-term equipment access, companies in rapidly evolving industries, or those wanting predictable operating expenses without ownership risks.

What can I use trailer finance for?

Trailers support industries across Australia—from farms to freight. Finance can cover many use cases:

Logistics & Transport

Flatbed and enclosed trailers for freight, distribution and courier businesses.

Construction & Building

Haul heavy machinery, tools and building materials between sites.

Agriculture & Farming

Livestock, crop and machinery trailers designed for rugged rural use.

Event & Exhibition

Transport staging, AV gear and displays between venues with secure enclosed trailers.

Mobile Food & Retail

Finance custom-built trailers for food trucks, coffee vans or pop-up shops.

Waste & Recycling

Specialised trailers for transporting waste, recyclables or heavy bins.

Case Study

Business Trailer Finance Case Study

Bill H, Harrison Farms

Flexible repayments with a balloon


Industry: Agriculture

Challenge: Needed a livestock trailer upgrade without heavy upfront costs.

Solution: Chattel mortgage, 60-month term with 25% balloon aligned to resale value.


A Queensland cattle farmer financed a new livestock trailer through Emu Money. The balloon structure kept monthly repayments low while allowing working capital to be directed towards feed and farm operations. The balloon is expected to be largely offset by the trailer’s resale value at term end.

How much can I borrow with trailer finance?

Typical facility sizes range from $5,000 to $250,000+ depending on trailer type and business profile. Many lenders finance up to 100% of purchase price for new trailers (including fit-outs), while older or specialised units may attract lower LVRs and shorter terms. Pricing depends on turnover, stability and credit health.

Trailer Finance Repayment Calculator

Estimate repayments and total costs before you apply. Adjust amount, term, rate and balloon to suit your budget.

Loan Amount
$
Establishment Fee
$
Loan Term (months)
Interest Rate
%
Total amount to repay
$0.00
Your repayments
$NaN

Balance over time

Am I eligible for trailer finance?

Eligibility focuses on serviceability and trailer suitability. Newer and well-maintained trailers usually qualify for sharper pricing. Strong cash flow, stable turnover and clean credit improve approval odds.

You may be eligible if you are:

  • An Australian business with an active ABN (GST preferred for larger limits)

  • Over 18 years old

  • Trading for at least 6–12 months (start-ups considered case-by-case)

  • Minimum monthly turnover of $5,000–$10,000

  • Purchasing an eligible trailer (flatbed, enclosed, refrigerated, livestock, utility)

How to apply for trailer finance?

Apply online in minutes and upload documents. We compare multiple lenders and coordinate settlement so your trailer is ready for use quickly.

Documents you may need:

  • ABN and GST details

  • Photo ID (licence or passport)

  • Business bank statements (3–6 months)

  • Tax returns/BAS for larger limits

  • Trailer details (VIN, invoice, or quote)

How to save money on trailer finance

Compare loan structures as well as rates—chattel mortgage vs lease vs hire purchase can change repayments and tax outcomes. Balloons/residuals can lower monthly repayments but should align with expected resale value. Bundle accessories or modifications (hydraulic lifts, refrigeration units, branding) at settlement to finance them at the same rate. Newer trailers usually attract sharper pricing, while avoiding unnecessary add-ons reduces long-term costs.

Example: Balloon impact — $40,000 over 60 months at 8.49% p.a.:

BalloonApprox. Monthly RepaymentNotes

$0

$822

Highest monthly cost

10% ($4,000)

$740

Lower monthly cost

20% ($8,000)

$658

Balanced cost vs cash flow

30% ($12,000)

$576

Lowest monthly cost; resale expected to cover balloon

Understanding trailer finance options

Trailer finance can be tailored to match ownership goals, repayment style and upgrade cycles. Key options include:

Secured vs Unsecured

Most trailer loans are secured against the trailer itself, reducing risk and interest rates. Unsecured loans exist but with higher costs.

Balloon/Residual Payments

Lower monthly costs by deferring a lump sum to the end—payout, refinance, or trade-in when due.

Fixed vs Variable Rates

Fixed rates give budgeting certainty. Variable rates may save money if market rates fall, but add risk if they rise.

Early Repayment Flexibility

Some lenders allow early payout or extra repayments; others charge fees. Check before signing if upgrades are planned.

Bundled Modifications

Custom features like refrigeration, shelving, or hydraulic lifts can often be financed alongside the trailer itself.

Testimonials

VerifiedVerified Review

All enquires answered in a prompt and professional manner. Easy company to deal with. Highly recommend.

Elaine G.

Review posted on 2025-06-25

VerifiedVerified Review

I had Baron as my broker for a car loan, and the entire process was incredibly smooth and straightforward. All I had to do was answer a few questions and provide the necessary documents — Baron handled the rest. Before I knew it, I was finalizing the paperwork for my new car. Highly recommend — really appreciate all your help, Baron!

Donna C.

Review posted on 2025-08-20

VerifiedVerified Review

Brad and the team at Emu money are fantastic. Highly recommend.

Liam H.

Review posted on 2025-05-28

VerifiedVerified Review

I was so lucky to have had Evette as my broker through emu money, from the very first phone call Evette was amazing, so prompt and professional keeping me updated on the whole process of the application for finance for my new car, I highly recommend Evette!!!

Kaila B.

Review posted on 2024-03-19

VerifiedVerified Review

I had an outstanding experience working with Eugin to get my car finance sorted! From the very beginning, Eugin was professional, knowledgeable, and incredibly helpful. He made what can often be a complicated process feel smooth and stress-free. His attention to detail ensured everything was handled efficiently, and he guided me through each step with clear explanations. Thanks to Eugin's support, I secured the financing I needed to buy my car, and I couldn't be happier. If you're looking for someone reliable and dedicated to help you with car finance, I highly recommend Eugin at Emu money. He truly goes above and beyond!

Pabasara G.

Review posted on 2023-11-01

VerifiedVerified Review

I couldn't be happier with the service I received! Robyn made the whole car finance process so simple and stress free. She explained everything clearly, kept me updated the whole way through, and went above and beyond to find me the best deal. I honestly didn't think it would be this smooth, but she took care of all the hard work and I was in my new car before I knew it. Highly recommend to anyone looking for finance.

harry b.

Review posted on 2025-09-10

Frequently Asked Questions

Business Trailer Finance FAQs

These helpful FAQs will help you find the answers you need. If you can't find what you're looking for, you can request a callback below.

What trailers can I finance?
How long can I finance a trailer for?
Can I include modifications?
Dealer vs private sale—any difference?
Do I need to be GST-registered?
What is a balloon payment?
Are repayments tax-deductible?
Can start-ups apply?