Call NowLow Rate Truck
& Trailer Finance
Today's lowest rate is 6.24% (Comparison 7.9%)
Chattel Mortgage
Hire Purchase
Lease
Low Doc Loan
Same Day Approval
Expert Team Advice
Access to 65+ Lenders
Benefit from the Expertise of our Truck and Commercial Finance Team
Since 2007, we have been helping businesses with low rate Truck & Trailer finance to grow their business whether it is purchasing their first small/medium delivery truck, upgrading an entire fleet of haulers, or investing in specialised customer trailers.
Our Commercial Finance team specialise in helping our business customers achieve their business and asset goals by taking time to understand the business needs for now and in the future. They then work to find a tailored finance option to suit your business and accounting structure.
So whether you are after starting out as a new business or looking to add or upgrade to your existing haulage equipment, our Commercial Finance Specialists can find a tailored finance solution for your business from our panel of over 60 leading Australian bank and non-bank lenders.
Click to learn more about finance for industry specific equipment or ‘Yellow Goods’ equipment.
At 360 Finance, we offer:
For life and leisure, business or personal, we've got you covered in every situation
Small, medium & large delivery trucks- Prime movers and long haulers
- Specialised trucks such as concrete trucks
- Refrigerated trailers
- Tradie box/tool box trailers
- Freight or long haul trailers
- Specialised or custom trailers such as hazardous materials or bulk materials
Truck and Trailer Finance Options
Chattel Mortgage
A Chattel Mortgage is the most common loan type for commercial lending. As the borrower, you take ownership...
A Chattel Mortgage is the most common loan type for commercial lending. As the borrower, you take ownership of the asset at the time of purchase rather than at the end. This means you can use the asset as a taxable offset (in most cases), claim the GST on the purchase price and claim the depreciation of the asset and interest charges on the loan. It’s very flexible with 1-7 year loan terms and residuals available making it versatile for most business types.
Speak to one of our Commercial Finance Specialist to discuss which finance options would suit you and your business.
Hire Purchase
It’s all in the name with this loan type. A Hire Purchase or Commercial Hire Purchase is ‘hiring’ an asset with the intent...
It’s all in the name with this loan type. A Hire Purchase or Commercial Hire Purchase is ‘hiring’ an asset with the intent to purchase it at the end of the loan term. This means that during the term of the loan, the lender owns the asset rather than you (the borrower), so the tax offsets are different from an accounting perspective as it’s not an asset owned by the business.
Speak to one of our Commercial Finance Specialist to discuss which finance options would suit you and your business.
Lease
A Lease is very similar to a Hire Purchase as it uses the same ownership principles where the asset is owned by the lender...
A Lease is very similar to a Hire Purchase as it uses the same ownership principles where the asset is owned by the lender for the term of the loan rather than you (the borrower). The primary difference between ‘Hiring’ & ‘Leasing’ in that hiring allows you to decide if to include a residual or not. A Lease however has a regulated residual value calculated off the term of the loan.
Speak to one of our Commercial Finance Specialist to discuss which finance options would suit you and your business.
Low Doc Loan
Finding the right car and finance to suit your needs can be extremely time consuming, but that’s where we can help!..
Low Doc (also known as No Doc, Self Dec, Lite Doc) requires little to no proof of the borrower’s financial position but rather relies heavily on the assessment of the tenure of your business, you as the borrower, any guarantor’s financial position as well as the asset being purchased. This is a great option for businesses when they have little or no ‘provable’ servicing (ie capability to demonstrate or prove capacity to repay the loan).
Speak to one of our Commercial Finance Specialist to discuss which finance options would suit you and your business.
Competitive
We have access to some of the lowest industry car loan rates allowing us to be highly competitive and find your best rate finance.
Easy
We do the running around for you in comparing car loan options and rates from over 60 lenders.
Fast Approvals
We work hard to get your car loan approved fast. Same day approvals are available - ask us how!
Flexible Terms
We find and compare car loan options to find what best suits your needs and budget with flexible 1-7 year terms available.
We Work with the Most Trusted Aussie Lenders
Our lender network allows us to secure the best rates for you, every time.
Living Life Upgraded
"Living life upgraded. Second purchase with 360 Finance!"
Repeat customers are our greatest compliment. When customers choose us again and again, it confirms that we're delivering on our promise of exceptional service, competitive rates, and genuine care for your financial success.
Apply today with Australia's trusted online broker since 2007
Not sure how much you can borrow?
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At today's lowest finance rate of 6.24%, you'll pay approximately...
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Dreams Aren't Free, But They Can Be Affordable
"Yass helped me get a loan for my dream car...Very upfront and honest and got everything processed in 3 days."
Make your dreams a reality. At 360 Finance, our team does everything they can to help you secure your dream car quickly and in a way that works for your budget.
Apply today with Australia's trusted online broker since 2007