Overdrive Funding
About0417 000 316Apply Now
Truck Finance2026-07-103 min read

Hino Finance Guide Australia 2026

Everything Australian businesses need to know about financing a Hino truck — rates, new vs used, low doc options and how to get the best deal from 80+ lenders.

SK

Simon Kendrick

Managing Director & Head Finance Broker, Overdrive Commercial Funding

Key Takeaways

  • Hino trucks are well-supported by lenders in Australia — new, used and demo models all financeable.
  • Rates from 6.29% per annum for established operators financing new Hino trucks with clean credit.
  • Low doc Hino finance available up to $500,000 — no tax returns or BAS required for eligible ABN holders.
  • No deposit Hino finance available for eligible operators with 2+ years ABN and clean credit.
  • Compare 80+ lenders in one free application — no impact on your credit score.
  • Truck finance deals: We guarantee the best deal available in the market and our services are free — we're paid a "referral fee" by the lender after settlement, no cost to you.

Hino is one of Australia's most popular truck brands — a Toyota Group company with a reputation for reliability, fuel efficiency and low maintenance costs. From light-duty 300 Series trucks used by tradies and small businesses, to 700 Series heavy duty prime movers for long-haul operators, Hino covers the full commercial vehicle range.

Why Hino Trucks Are Easy to Finance

Run the numbers on your repayments

Use our finance calculator to estimate weekly or monthly repayments.

Open Calculator →

Hino trucks are widely used across Australia's transport, construction, waste management and agricultural sectors. Their reliability record and Toyota Group backing make them attractive to lenders — Hino finance is available from most lenders on our panel at competitive rates for both new and used trucks.

Hino Models We Finance

  • Hino 300 Series light duty trucks
  • Hino 500 Series medium duty
  • Hino 700 Series heavy duty prime movers
  • Hino FD, FE, FF, GD series
  • Hino hybrid and electric trucks
  • All Hino models — new, demo and used

Hino Finance Rates

Hino finance rates in Australia currently start from around 6.29% per annum for established operators financing new trucks with clean credit. Rates for used Hino trucks, new ABNs and adverse credit are higher — typically 9% to 15%+. By comparing 80+ lenders, we identify the sharpest available rate for your specific Hino model, ABN history and credit profile.

New vs Used Hino Finance

New Hino trucks attract the widest range of lenders and the sharpest rates. Used Hino trucks — from dealers, private sellers or auction — are also well-supported, particularly for well-maintained examples from reputable sources. The lender assesses age, condition, kilometres and the truck's resale market when pricing a used Hino application.

Low Doc Hino Finance

Low doc Hino finance allows eligible ABN holders to borrow up to $500,000 without providing tax returns, BAS statements or full financial statements. You need your ABN, driver's licence and recent business bank statements. Same-day conditional approvals are common.

How to Get the Best Hino Finance Deal

At Overdrive Funding, we compare 80+ lenders to find the most competitive Hino finance deal for your profile. Our service is completely free — we are paid by the lender after settlement. Contact us or call Simon for a free rate comparison.

Frequently Asked Questions

Common questions about this topic, answered by Simon Kendrick.

How do unsecured business loans work in Australia?

▾

Unsecured business loans provide working capital without requiring property or equipment as security. Non-bank lenders assess your business bank statements and revenue to determine how much you can borrow, at what rate and over what term.

What is the difference between a secured and unsecured business loan?

▾

A secured loan uses collateral such as property, equipment or invoices as security, typically offering lower rates and higher amounts. An unsecured loan requires no collateral but generally carries a higher rate to reflect the increased lender risk.

How are unsecured business loan repayments structured?

▾

Most non-bank unsecured loans use daily, weekly or monthly repayments automatically debited from your business account. The repayment frequency and structure vary between lenders and products.

What can I use an unsecured business loan for?

▾

Most unsecured business loans have no restrictions on use for legitimate business purposes including working capital, stock, marketing, wages, equipment, fit-outs, ATO debt or business growth.

What is a business line of credit and how does it work?

▾

A line of credit provides access to a pre-approved credit limit that you draw on as needed, paying interest only on the amount drawn. It is well-suited to managing cash flow gaps or short-notice business opportunities.

What is the minimum revenue required for an unsecured business loan?

▾

Revenue requirements vary between lenders. Most non-bank lenders look for consistent monthly revenue above a minimum threshold, assessed across your recent bank statements. We can assess your eligibility without a formal credit enquiry.

What is the maximum loan term for an unsecured business loan?

▾

Unsecured business loan terms typically range from 3 to 24 months. Some lenders offer longer terms for larger amounts or established businesses. Longer terms reduce repayments but increase the total interest paid.

Can I get an unsecured business loan if my business is seasonal?

▾

Potentially. Some lenders offer flexible repayment structures suited to seasonal businesses. Providing 12 months of bank statements helps demonstrate your actual annual income including seasonal fluctuations.

What is the fastest way to get an unsecured business loan approved?

▾

Having 3-6 months of business bank statements, ABN details and your driver licence ready to submit together allows for a faster assessment. Applying through a broker who matches your profile to the right lender can significantly speed up the process.

Our Service

Truck Finance — Overdrive Commercial Funding

Compare lenders, get pre-approved and settle your finance — all in one place.

View Truck Finance →

Get Started

Ready to Secure Your Finance?

Compare 80+ lenders for the lowest rate available in a single application and get a fast decision with no impact on your credit score.

  • Bank rates without the queue
  • One application, multiple options
  • Approved in 24–48 hours, valid for 90 days
  • $0 down, no additional security and no financial options
  • Loans for all credit profiles and ABN lengths
  • 100% free service — no hidden fees or costs, ever
Call Simon Now 0417 000 316

Free No-Obligation Quote

Submitting this form does not lock you into finance or have any impact on your credit profile.

Simon Kendrick — Managing Director, Overdrive Commercial Funding

Simon Kendrick

Managing Director & Head Commercial Finance Broker | Overdrive Commercial Funding

Simon Kendrick is the Managing Director and Head Commercial Finance Broker at Overdrive Commercial Funding, an Australian family-owned commercial finance brokerage backed by over 30 years of industry experience.

Specialising in truck finance, vehicle finance, machinery and equipment finance, business loans and commercial lending, Simon helps Australian businesses secure competitive interest rates, flexible repayment terms and tailored funding solutions through a panel of 80+ banks and non-bank lenders.

Unlike traditional brokerages, Simon personally works with every client from initial consultation through to settlement and beyond. No call centres, no handovers and no constantly changing brokers. Clients deal directly with Simon, building a trusted, long-term relationship with the same finance broker for the next 5, 10 or more years.

Whether you're a sole trader, new ABN holder, growing business or established company, Simon provides consistent, personalised service and ongoing finance support as your business evolves.

FBAA MemberAccredited with Major Banks and 80+ Lenders30+ Years' Industry Experience5.0-Star Rated on Google

Related Articles

More articles on this topic from the Overdrive Funding blog.

Truck Finance

Complete Guide to Truck Finance in Australia (2026)

Everything you need to know about financing a truck in Australia — from current rates and deposit requirements to low-doc options, chattel mortgages, balloon payments and bad credit solutions.

Read article →
Truck Finance

Complete Guide to Prime Mover Finance in Australia (2026)

A comprehensive guide to prime mover finance in Australia — covering current rates, new and used trucks, low-doc options, no-deposit finance, new ABN and first-time owner-driver applications, popular brands and repayment examples.

Read article →
Truck Finance

Kenworth Finance Australia — Fund One Truck or a Full Fleet

Finance a Kenworth truck or full Kenworth fleet in Australia. Funding from $20k to $10M+ for single or multiple purchases, with 80+ lenders and fast approvals.

Read article →
Truck Finance

Volvo Truck Finance Australia — Single Units to Full Fleets

Finance a Volvo FH, FM, FMX or full Volvo fleet in Australia. Funding from $20k to $10M+, 80+ lenders, low doc options and fast approvals.

Read article →
Truck Finance

Scania Finance Australia — Competitive Rates on Every Model

Finance a Scania R, S, G or P Series truck or full fleet in Australia. Funding from $20k to $10M+, 80+ lenders and fast approvals.

Read article →
Truck Finance

Mack Truck Finance Australia — Built Tough, Funded Fast

Finance a Mack Anthem, Granite, Pinnacle or full Mack fleet in Australia. Funding from $20k to $10M+, 80+ lenders and fast turnarounds.

Read article →
Get Free QuoteCall