Truck Finance Sydney
New and used trucks, prime movers, rigids, trailers, and heavy vehicles. Low doc options for ABN holders and owner drivers. 40+ lenders, approvals in 24 to 48 hours.
Specialist truck finance broker
Truck finance for owner drivers and transport operators
Getting finance for a truck is not the same as getting a car loan. Lenders assess heavy vehicles differently — they look at the age and condition of the asset, the GVM, whether it is on or off road, and what work the vehicle will be doing. Applying to the wrong lender wastes time and damages your credit file.
Thrift Capital is a specialist truck finance broker with access to 40 plus lenders including banks, non-banks, and specialist heavy vehicle financiers. We work exclusively with self employed Australians — owner drivers, transport operators, sole traders, and SME directors — and we know which lenders are open to your deal before we submit a single application.
Whether you are buying your first truck, expanding a fleet, refinancing an existing loan, or looking for low doc truck finance without full financials, we can help you find the right structure and the right lender.
What we finance
Trucks and heavy vehicles we can finance
Thrift Capital arranges finance across the full range of commercial vehicles and heavy equipment. New or used, dealer or private sale, single unit or fleet.
Prime movers
B-double and road train configurations. New and used. We have lenders who understand the long-haul freight market and assess applications accordingly.
- New and used prime movers
- Single and multi-axle
- B-double and road train rated
- Low doc options available
Rigid trucks
2 axle rigids, tippers, curtainsiders, refrigerated trucks, and pantech bodies for urban, regional, and construction delivery work.
- 2 and 3 axle configurations
- Tippers and curtainsiders
- Refrigerated and pantech
- Crane trucks and service vehicles
Tipper trucks and dump trucks
Single and tandem axle tippers, dump trucks, and water carts for earthmoving, civil, and construction operators.
- Single and tandem axle tippers
- Dump trucks
- Water carts
- Side and rear tippers
Trailers and dog trailers
Flat top, curtainsider, refrigerated, and drop deck trailers financed alongside or separately from your prime mover or rigid.
- Flat top and drop deck
- Curtainsider trailers
- Refrigerated trailers
- Dog and pig trailers
Vans and light trucks
Sprinters, Transits, LDVs, Iveco Dailys, and light cab chassis for couriers, tradies, and small freight operators.
- Mercedes Sprinter, Ford Transit
- Iveco Daily, LDV
- Light cab chassis
- New ABN accepted
Tankers and specialised vehicles
Fuel tankers, liquid tankers, and other specialised heavy vehicle configurations. Lender selection matters here — not all panels carry these.
- Fuel and liquid tankers
- Concrete agitators
- Car carriers
- Livestock transporters
New and used truck finance
New trucks vs used trucks — how lenders assess each
Lender appetite and rates differ significantly between new and used truck finance. Understanding the difference before you apply saves time and avoids unnecessary credit enquiries.
New truck finance
- Broader lender options
- Lower rates available
- Higher LVR possible
- Manufacturer dealer finance available as comparison
- Longer loan terms
- Balloon and residual options
Used truck finance
- Asset age and condition assessed
- Build year affects lender appetite
- Private sale finance available
- Some lenders cap age at 10 to 15 years
- Specialist lenders for older assets
- Rates vary more across panel
For ABN holders and owner drivers
Low doc truck finance for self employed operators
If you are an owner driver, sole trader, or small fleet operator without full financial statements or up to date tax returns, low doc truck finance is likely your best pathway. Lenders in this category assess your application using alternative evidence rather than standard financials.
What low doc lenders need
- Active ABN (12+ months preferred)
- 6 to 12 months bank statements
- ABN certificate and ID
- Details of the truck being financed
- Clean or explainable credit file
What you do not need
- Two years of tax returns
- Full financial statements
- BAS statements in most cases
- Accountant letters
- Long trading history
New ABN options
- ABN less than 12 months considered
- Industry experience counts
- Work source letters help
- Asset-backed deals easier to approve
- Rates reflect shorter history
Why use a broker for truck finance
Why Thrift Capital instead of going direct?
Truck finance is a specialist category. Not every lender on a broker's panel is equipped to handle heavy vehicles, older assets, or owner driver applications. Going to the wrong lender or applying broadly can kill a deal before it starts.
Lenders who understand trucks
Not all lenders finance heavy vehicles. We know which ones on our 40+ lender panel are actively writing truck deals and what their specific appetite looks like for GVM, age, and operator type.
One credit enquiry, right lender
We assess your deal before we touch your credit file. One application to the right lender — not three enquiries across lenders who were never going to approve you.
Low doc and no doc structured correctly
Low doc applications are declined when they are structured poorly. We package your application to present your income and operating history in a way specialist lenders actually want to see.
Fast approvals, no delays
Most truck finance approvals happen within 24 to 48 hours. We manage the process from enquiry to settlement so you can focus on getting the truck on the road.
The process
How truck finance works
Tell us about the truck and your situation
Make, model, year, price, and whether it is new or used. Plus your ABN, how long you have been trading, and what documentation you have available.
We identify the right lender
Based on the asset, your trading history, and your documentation, we select the lender most likely to approve you at the best available rate before submitting anything.
Application submitted and assessed
We package and submit your application. Most truck finance decisions come back within 24 hours. We keep you updated throughout.
Approved and settled
Once approved we manage the settlement process. For dealer purchases this is straightforward. For private sales we handle the payout and transfer. Our service is free — lenders pay our commission.
Ready to finance your next truck?
No obligation. No upfront fees. No impact on your credit file until you are ready to proceed.
Common questions