Overdrive Funding arranges competitive Hino truck finance for Australian businesses. We compare 80+ banks and specialist lenders, negotiate the deal and manage everything from start to finish — new or used, from dealers, private sellers or auctions anywhere in Australia.
Hino sits under the Toyota umbrella, and that backing shapes how the brand is viewed by both operators and lenders. The dealer and parts network is extensive, reliability is a genuine selling point, and residuals are consistently solid — all of which makes a Hino a straightforward asset for a lender to underwrite.
Hino models we finance
- 300 Series light duty — 616, 617, 716, 717, 816, 817, 921 and hybrid variants
- 500 Series medium to heavy — FC, FD, FE, FG, FL, FM, GH and SG
- 700 Series heavy duty — SS, FS, FY and SH prime movers
- Factory-built tippers, tray tops and service bodies
- Crane trucks, pantechs, tilt trays and refrigerated bodies
- New, used, ex-fleet, dealer, private-sale and auction purchases
We only finance trucks located in Australia. See our truck finance options for the full picture, or compare used truck finance if you are weighing new against second hand.
What Hino resale means for your rate
Hino residuals benefit from the Toyota association and a reputation for running long past the point where other trucks are retired. Lenders price partly on what they could recover if things go wrong, and a brand with reliable resale and a nationwide service network is an easier proposition than a niche marque.
The 300 Series in particular holds value well because demand from small businesses, councils and hire fleets is constant. That depth of buyer interest is exactly what a lender wants to see behind its security.
Who finances Hino trucks
Hinos are financed heavily by councils, distribution and courier operations, hire fleets, tradies moving up from utes, landscaping and waste businesses, and food and beverage distributors. The 500 Series is a workhorse for medium rigid work across construction and general freight.
Hino truck finance rates
Established ABN (2+ years), new truck, full doc
Established ABN, used truck, low doc (no financials)
Newer ABN (under 12 months)
Prior credit issues or specialist lending
| Borrower profile | Indicative rate | Typical deposit |
|---|---|---|
| Established ABN (2+ years), new truck, full doc | From 6.1% | $0 – 10% |
| Established ABN, used truck, low doc (no financials) | 7% – 10% | 10% – 20% |
| Newer ABN (under 12 months) | 9% – 12% | 10% – 30% |
| Prior credit issues or specialist lending | 12% – 15% | 20% – 30% |
Rates are indicative only and subject to lender assessment, asset age, term and your individual circumstances.
Low doc Hino finance
Low doc (no financials) finance is available on Hino trucks up to $500k for the right profiles, assessed on your ABN, GST registration, credit profile and the truck rather than tax returns or financial statements. It typically sits in the 7% to 10% range for an established business buying used. See our low doc truck finance guide.
New or used Hino?
Ex-council and ex-hire Hinos frequently come to market with full service histories and moderate hours, which is close to ideal from a lender's perspective. A documented service record materially strengthens a used truck application, particularly on low doc where the lender leans harder on the asset.
Get a quote
Looking for the best rate on Hino truck finance? You're in the right place. Speak directly with Simon and our team for a free, no-obligation quote, or get a free quote online. Our service is completely free. We're paid by the lender only after a deal settles, so there's no cost to you—even if you choose not to proceed.