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Commercial Trailer Financing | Trailer Loans

7 Jul Today's
best rate
Finance Trucks From
2.79 %
Fixed
*The Interest Rate is calculated on a Secured Loan for business use, effective 17/09/2021 and subject to change. WARNING: The interest rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different interest rate.

Compare Truck Trailer Finance Product Interest Rates and Repayments

For a quick comparison in the interest rates available on truck trailer loans, just use our handy lender comparison chart. We’ve brought together a number of key commercial finance products in this single calculator function. See the rates, enter your loan amount and term and you will see how those rates convert to monthly repayments.

Loan Amount
Loan Term
New Equipment Loan
2.79%
$569.75
Monthly repayment
Used Older Secured Equipment Loan
4.50%
$612.5
Monthly repayment
Business Loans - Unsecured
7.99%
$699.75
Monthly repayment
Business Loans - Secured
2.95%
$573.75
Monthly repayment
Overdraft - Non Bank
9.95%
$748.75
Monthly repayment
Chattel Mortgage
2.79%
$569.75
Monthly repayment
Operating Leases
4.60%
$615
Monthly repayment
Commercial Hire Purchase
2.79%
$569.75
Monthly repayment
Rent To Own
9.95%
$748.75
Monthly repayment
Loan Product Interest Rate
Starts at:
Monthly Repayment
New Equipment Loan 2.79%
$569.75
Used Older Secured Equipment Loan 4.50%
$612.5
Business Loans - Unsecured 7.99%
$699.75
Business Loans - Secured 2.95%
$573.75
Overdraft - Non Bank 9.95%
$748.75
Chattel Mortgage 2.79%
$569.75
Operating Leases 4.60%
$615
Commercial Hire Purchase 2.79%
$569.75
Rent To Own 9.95%
$748.75
Get a free quote

Disclaimer: Use of this resource is on the understanding that the repayments shown are not a loan offer, a loan quote or in any way an application for finance. The repayment estimates displayed are an estimate only based on the interest rate as displayed for commercial or predominately business use. It may not include fees and charges applied to specific loans by individual lenders. The estimate displayed may vary from any offer you are made by Jade.

Commercial Trailer Loans

Jade provides commercial heavy vehicle trailer finance for a wide range of trailers, box trailer, livestock transporter, car carrier, low loader, B-double, refrigerated, single, double or tri axle, tippers, tilts and more.

New trucks, especially semis, prime movers and pantechs, are usually offered for sale without trailers so the purchaser can customised the vehicle with the trailer that suits their application. Used trucks can come as complete truck trailer set-ups.

Whether you are purchasing a complete truck trailer or purchasing the trailer separately, Jade Trucks Loans can arrange a truck trailer loan.

  • Cheap new and used or old truck finance
  • 100% lending options
  • Flexible loan terms
  • Private sales & Auctions OK
  • All commercial loans products ,chattel mortgage, leasing, rentals and HP

Financing Options For Truck Trailer loans

Options for a trailer loan include our full range of commercial financing products with the various options:

Chattel Mortgage Trailer Loan: suitable for many business types that use a cash accounting method. Features include: a fixed interest rate, fixed monthly repayment, fixed residual to be paid at the completion of the credit term and the loan term is set in conjunction with you and to meet your budget. For more details on how GST and taxation is treated on a Chattel Mortgage loan, please refer to our Truck Loan Types.

Commercial Leasing Loans: slightly different in some technical aspects to a Chattel Mortgage trailer loan (please refer to Finance Types web page) but includes similar basic features: a set term of the truck trailer lease is set by you, a fixed truck finance interest rate applies for the term of the loan, a fixed monthly repayment applies, and a residual/balloon amount can be included.

Truck Trailer Rent-To-Own: this is a type of loan product, often referred to as an Operating Lease. This type of truck trailer finance allows you use of the equipment without the added load of complete ownership. The repayments may be less than other types of finance but the ownership remains with the lender at the completion of the loan/rental period. Although in most cases, a buy-out agreement may be reached with the lender.

Pre-arranged Trailer Loans: organise prior to purchase. This is particularly useful when buying at auction or negotiating a used or second hand trailer sale with a seller who is keen for a quick sale.

No Deposit Truck Trailer Loan: 100% of the purchase price is included in the loan to free up your cash.

Low Docs and No Doc Truck Trailer Loans: even if you have previously been rejected for a trailer finance by a bank or other lender, your Jade consultant could still source you an offer on a truck trailer loan.

Get a quote

Request a free finance quote by calling 1300 000 003 or directly online.

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Truck Trailer Loans FAQS

When you’re acquiring a new truck trailer to specifically meet your individual requirements it is a major commitment and you want to ensure you’re making fully informed decisions around your finance. In addition to the detailed information we have included in our web pages, we’ve added this section to address some more direct questions. If they don’t answer your specific queries or you still have more questions around your loan, please contact us on 1300 000 003 so one of our Jade consultants can respond to you directly.

Can I get my truck and trailer in the same loan?   

Yes in some cases. Some banks and lenders provide loans for a number of different configurations in regard to truck trailers. Under certain conditions, loans can be arranged one single loan for a truck and trailer even if they are bought from separate sellers. The key condition would be that the truck and trailer are purchased at the same time however depending on circumstance there may be other factors lenders also consider.Encumbrance of the assets may be lodged separately and can be released separately on agreement with the lender or bank.

What deposit do I need for a truck trailer loan?   

Depending on the lender or bank there are many no deposit finance options across the Australian market for truck trailer loans. Deposit may be required on some applications for a number of reasons - these could include be poor credit score, older asset, low docs and no doc truck trailer loans (where tax returns have not been completed), non property ownership, the security value (trailer) lower the the sale amount, new or newer ABN or age of business.

Is there any loan maximum for truck trailer loans?   

Maximum truck trailer loan amounts may be applied by individual lenders based on the assessment of an individual application. Most no doc and low docs will have a maximum loan amount - this averages $150,000 for banks and $100,000 for non bank lenders. Full documented loans with financials can has no maximum loan amount but are subject to lender assessemnt - this would include affordability based upon financial business income and full back position or asset strength and perhaps age of the truck trailer.

Which is the best type of loan for truck trailers?   

Please consult with your financial advisor or accountant for each loan products taxation benefit. Standard loan products are rent to own, leasing, CHP or commercial hire purchase and chattel mortgage. The most popular is chattel mortgage where GST can be claimed upfront (if your business is structured to claim GST) and depreciation could be claimed on the truck trailer.

 

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