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Truck FinanceJuly 2026

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.

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Key Takeaways

  • Hino trucks are well-supported by lenders in Australia — new, used and demo models all financeable.
  • Rates from 6.1% 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

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 6.1% 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.


Low Doc, Light Doc & Full Doc Truck Finance

When applying for truck finance, lenders will generally offer Low Doc, Light Doc or Full Doc finance. The right option depends on how your business is structured and what financial information you can provide.

Low Doc Truck Finance

Financial Statements RequiredNo
BAS Statements RequiredNo
Business Bank StatementsNo
Approval SpeedFastest
Interest RatesHigher
Borrowing CapacityUp to $500k
Ideal OutcomeQuick approval with minimal paperwork

Light Doc Truck Finance

Financial Statements RequiredNo
BAS Statements RequiredUsually
Business Bank StatementsYes
Approval SpeedFast
Interest RatesCompetitive
Borrowing CapacityUp to $500k
Ideal OutcomeBalance of flexibility and pricing

Full Doc Truck Finance

Financial Statements RequiredYes
BAS Statements RequiredSometimes
Business Bank StatementsSometimes
Approval SpeedStandard
Interest RatesMost Competitive
Borrowing CapacityUp to $10m+
Ideal OutcomeBest pricing and maximum borrowing power

Which Option Is Right For You?

Our finance specialists will assess your circumstances and recommend the most suitable option for your business.

If You Are...Recommended Option
Self-employed or businesses with limited financial recordsLow Doc
Businesses with bank statements and BAS availableLight Doc
Businesses with full financialsFull Doc

Low Doc Truck Finance

Low Doc finance is designed for borrowers who want a simple, streamlined approval process. In most cases, no financial statements or BAS statements are required. Approval is generally based on your ABN history, credit profile, and the asset being financed.

Light Doc Truck Finance

Light Doc finance provides a middle ground between Low Doc and Full Doc lending. Borrowers can often qualify using recent business bank statements and limited supporting documentation, without the need for full financial accounts.

Full Doc Truck Finance

Full Doc finance is suitable for borrowers who can provide complete financial records and supporting documentation. This option typically offers the most competitive rates and highest borrowing capacity.


Frequently Asked Questions

What rate can I get on Hino finance?

Hino truck finance rates in Australia start from around 6.1% per annum for established operators financing new Hinos with clean credit. Rates for used trucks, new ABNs and adverse credit are higher. We compare 80+ lenders to find the sharpest rate for your specific Hino and profile.

Can I finance a used Hino?

Yes. Used Hino trucks are well-supported by lenders given their reliability record and resale values. We finance used Hinos from dealers, private sellers and auction across all models and ages.

Can I get low doc Hino finance?

Yes. Low doc Hino finance is available up to $500,000 without tax returns or BAS — ABN, licence and bank statements only.

Can I get no deposit Hino finance?

Yes. No deposit Hino finance is available for eligible operators with 2+ years GST registration and clean credit.

How quickly can Hino finance be approved?

Most Hino finance applications receive a credit decision within 24 to 48 hours.

What truck finance rates are available in Australia?

Truck finance rates in Australia currently start from around 6.1% per annum for established operators with clean credit financing new trucks. Used trucks, new ABNs and adverse credit attract higher rates. Comparing 80+ lenders through a broker gives you the widest range of rate options.

Can I get no deposit truck finance?

Yes. No deposit truck finance is available for eligible operators with 2+ years ABN, active GST registration and clean credit. Lenders assess the truck's resale value and your business history to determine no-deposit eligibility.

Can I finance a used truck?

Yes. Used trucks from dealers, private sellers and auction are all financeable. Lenders assess the age, condition, kilometres and resale market for the specific truck. Most lenders have no blanket age restriction on well-maintained trucks from reputable sources.

Can you arrange insurance for my truck or trailer?

Yes. Overdrive Funding works with trusted insurance partners who can arrange the right cover alongside your finance application. Whether you need comprehensive, CTP, public liability or fleet cover, we can connect you with specialist providers to protect your truck or trailer from day one.

Can you beat my current finance quote?

We often can. Overdrive Funding has access to exclusive lenders offering discounted rates that aren't available directly through banks, dealers or other brokers. If you have an existing quote, send it to us and we'll compare it against our full panel of 80+ lenders — free of charge with no impact on your credit score.

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  • 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
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