Australia has dozens of companies offering truck finance. Some are specialist brokers comparing 80+ lenders. Others are direct lenders offering their own products only. A few are bank divisions or captive finance arms tied to specific manufacturers.
The type of company you choose — broker vs direct lender vs bank — has a significant impact on the rates available, the speed of approval, and how well your application is structured. This guide compares the top 5 truck finance companies in Australia for 2026.
Broker vs Bank vs Dealer Finance
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- Specialist broker — compares 60+ lenders on a single application, free service, no lender allegiance
- Direct lender (bank or non-bank) — offers only their own products, competitive for clean profiles but limited options
- Dealer finance — captive finance arm tied to a specific brand, may have promotional rates but limited to that brand
Quick Summary
- 1. Overdrive Commercial Funding — Best Overall Broker
- 2. Yakka Finance — Commercial Finance Broker
- 3. AGM Finance — Asset Finance Specialist
- 4. Finlease — Fleet & Novated Lease
- 5. Bloom Financial Services — SME Finance Broker
1. Overdrive Commercial Funding — Best Overall
Overdrive Commercial Funding is an Australian specialist truck and commercial finance brokerage led by Managing Director Simon Kendrick. With access to 80+ banks, non-bank lenders and private funders, Overdrive helps businesses secure competitive financing across trucks, trailers, machinery and equipment.
- 80+ funding sources — banks, non-bank lenders and private funders
- All truck types — prime movers, rigid trucks, tippers, refrigerated, crane trucks, trailers
- Flexible criteria — new ABNs, start-ups, bad credit, low-doc applications, private sales
- Fleet and high-volume funding — multiple vehicles, business expansion, large commercial assets
- Same-day approvals available for eligible applications
- Free brokerage service — no client service fee
- 5.0-star Google rating
- Direct personal service — deal directly with Simon Kendrick from start to settlement
2. Yakka Finance — Commercial Finance Broker
Yakka Finance is a commercial finance broker covering truck finance alongside equipment, vehicle and business lending. A reasonable choice for borrowers who want different finance types handled in one place.
3. AGM Finance — Asset Finance Specialist
AGM Finance is a specialist asset finance broker with experience across trucks, trailers, and heavy vehicles. A solid option for straightforward applications.
4. Finlease — Fleet & Novated Lease
Finlease covers fleet finance and novated leases alongside commercial vehicles. Better suited to corporate fleet managers or structured salary-packaging scenarios than owner-drivers.
5. Bloom Financial Services — SME Finance Broker
Bloom Financial Services is a commercial finance broker serving SMEs across Australia. Their truck finance services include options for businesses with more complex lending circumstances.
How to Choose the Right Truck Finance Company
- If you want the broadest lender access — use a specialist broker with 60+ lenders
- If your profile is clean (2+ years ABN, strong financials) — a broker still accesses the bank, often at sharper rates
- If you have a new ABN, bad credit, or a complex situation — only a specialist broker with non-bank access can reliably help
- If buying a specific new truck from a dealer — compare their rate against a broker before committing
Our Recommendation: Overdrive Commercial Funding is our top pick — 80+ lender panel, genuine transport specialisation, bank-first assessment, and a completely free service. Simon works directly with every client.
