Truck Loans Made Easy

Treadgold Finance provides access to multiple lenders who specialise in truck and commercial vehicle finance, rather than limiting you to one bank's products. We compare rates and terms across banks, credit unions, and specialist heavy vehicle lenders to find options suited to your situation. Our brokers understand the unique lending criteria for truck finance, match your application to the most suitable lenders, and handle all paperwork and communication throughout the process.

We arrange financing for all types of trucks including rigid trucks, semi-trailers, prime movers, tippers, and refrigerated vehicles, as well as trailers, forklifts, earthmoving equipment, and other commercial vehicles. Our lender network includes specialists in heavy vehicle and transport finance, ensuring suitable options whether you're purchasing a single work truck or expanding a fleet.

Truck loan applications typically receive conditional approval within 3-7 business days with complete documentation, though straightforward deals can move faster. We expedite the process by ensuring complete applications and maintaining regular lender contact. Pre-approval options are also available to help you move quickly when the right truck comes up.

Borrowing capacity depends on your income, existing debts, business cash flow, credit history, and the type of truck or equipment being financed. Amounts range from a few thousand to several million dollars, covering everything from a single light commercial vehicle to a full fleet. Most lenders will finance up to 100% of the asset value, though deposits may be required. We conduct preliminary assessments to determine realistic borrowing limits and match you with the right lenders.

Yes. Many owner-operators and transport businesses have variable or seasonal income, and we work with lenders who understand this. These specialist lenders assess your average income over time, bank statements, and business activity rather than requiring standard payslips. We present your financial position in the best light so your income structure doesn't hold back your application.

We only conduct credit checks when you provide written consent, typically after identifying suitable truck loan options for your situation. Initial assessments and quotes don't require a credit check. When we do proceed, we coordinate applications to minimise inquiries on your file. Multiple applications within a short timeframe for the same loan type generally count as one inquiry for credit scoring purposes.

Rates and fees vary based on loan amount, term, the type of truck or equipment, your credit profile, and current market conditions. Our brokers understand how to position your application to secure competitive terms. We provide transparent information on all costs and compare total borrowing costs across lenders, not just interest rates, including establishment fees, ongoing charges, and any early repayment conditions.