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Finance for Trucks

Flexible truck loans and tailored finance solutions for heavy vehicle equipment. The largest non-bank lender in Australia and New Zealand, and trusted by businesses for over 35 years

Need fast funding?

Discover how much you could borrow today.

Truck finance for new and used vehicles

Fast and flexible finance solutions and loans for trucks

With both new and used truck financing options available, the ScotPac team can help your business buy the vehicles it needs to get the job done.

For many small-to-medium businesses, it can be difficult to fund the assets you require to keep your operations seamless and your business growing. Our lending specialists will help you obtain truck loans that are flexible, tailored and accessible.

We can have your truck finance approved in as little as 24 hours and with highly flexible terms of up to 5 years.

Whether you’re looking to purchase new trucks or obtain financing for used trucks, our solutions will ensure you can access the working capital necessary.

How ScotPac can help

100% Funding

Our trucking loan solutions can provide funding for up to 100% of the cost of the new or used truck.

Local or Overseas

With our custom financial solutions, you can source your new or pre-owned truck locally or from an overseas supplier.

Replace or Upgrade

Whether your company has outdated or no longer functional assets that need replacing, or you’re looking to invest in new trucks, our truck loans will help you do it.

Our lending specialists are highly experienced at working with SMEs and treat all of our clients as partners in finding the right finance solutions to fuel their growth.

We work with businesses of all sizes and varying levels of complexities, drawing on our range of products, as well as the breadth and depth of our capability to ensure the right truck finance option is accessible.

By leveraging technology-enabled experiences, you’ll enjoy faster, more streamlined and more seamless finance approval. 

The importance of the right truck financing

Finding the right truck financing options with the right finance rates is essential for ensuring the continued sustainability and growth of your enterprise. 

When it comes to the transport and courier industry, trucks play a crucial role. These vehicles form the backbone of the industry and ensure goods and products can be moved from city to city, across state lines and around the country.

Due to the flexible, affordable and reliable nature of trucks, companies of all sizes rely on this method of transportation to traverse all sorts of terrains, road conditions and supply lines.

To ensure you’re able to transport the goods you (or your customers) need from one location to the final destination, you need to invest in both new and/or used trucks to keep your fleet moving.

However, not all small-to-medium sized businesses have access to the necessary working capital to purchase new or pre-owned trucks. With ScotPac, tailored truck loans can be just 24 hours away. 

What to look for in a truck loan provider

While the truck finance rates being offered by any bank or non-bank lending institution is important, there are a number of other considerations to take into account.

How fast will your truck loan be approved?

If your operations are being disrupted or at a standstill, quick loan approvals are essential

How much can you borrow?

Depending on your needs, you may need up to 100% of your trucks’ cost funded which not all lenders provide.

How can you access funds?

Always consider how your potential financial institution uses tech-enabled experience to ensure seamless, instant fund access.

Truck and Equipment Finance Questions Answered

Do I need financials to apply?

Traditional banks require extensive financial and other documentation to apply for trucking loans. With ScotPac, we’ve spared no effort to save you effort by offering a streamlined application process that’s fast, frictionless and requires minimal financials.

What age truck can I finance?

Our truck loans are available for both new and used trucks. Depending on your needs as a business, we’ll advise you of your best options to ensure that your business can run and grow as successfully as possible. ScotPac often fund older trucks, as long as the loan’s end-of term is paid off by the time the asset is 20 years old.

What will my interest rate be?

There are a variety of factors that affect truck finance interest rates. These factors can include the loan term, a company’s particular financials and the age of the truck itself. Additionally, there are macro-economic and market conditions which cause interest rates to fluctuate. To find out more about what your interest rate will be, contact your nearest ScotPac office today and speak with one of our lending specialists.

Can I only finance trucks or other equipment too?

ScotPac provides comprehensive working capital and financial solutions for financing trucks, assets, machinery and other business equipment. Like our truck loans, our asset finance offerings are flexible, fast and tailored to the needs of our clients.

Our Solutions

ScotPac offers a wide range of business and commercial finance solutions that help you get the funding you need. Choose the right financing solution for your business.