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Truck Finance2026-09-143 min read

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.

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Simon Kendrick

Managing Director & Head Finance Broker, Overdrive Commercial Funding

Key Takeaways

  • Finance available for any Kenworth model — T and W series, SAR, C510, C540 and more.
  • Funding from $20k to $10M+ for single trucks or full fleet purchases.
  • Low doc options up to $500k — no financials required.
  • Rates from 6.29% p.a. — we compare 80+ lenders to find the sharpest rate.
  • Pre-approval in 24–48 hours. Same-day approvals available.

Kenworth is one of Australia's most iconic and trusted heavy truck brands, built specifically for Australian conditions. Whether you're financing a single Kenworth prime mover or expanding your fleet with multiple units, Overdrive Funding structures tailored finance solutions across 80+ lenders to get you the most competitive deal available.

Kenworth Models We Finance

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We finance all current and recent Kenworth models in Australia, including the T410, T610, T910, W990, C510, C540 and SAR series. We also finance used and ex-fleet Kenworths, including older models that some lenders restrict. New purchases from Kenworth dealers, private sales and auction acquisitions are all eligible.

Finance for Multiple Kenworth Purchases

For operators expanding their fleet, we structure finance for multiple Kenworth trucks simultaneously — with funding from $20k to $10M+ available for fleet acquisitions. Whether you're purchasing 2 trucks or 20, we consolidate the process through a single application and work across multiple lenders to fund the full package. Large fleet transactions often attract sharper rates and we negotiate on your behalf across the whole panel.

Finance Options for Kenworth Trucks

  • Chattel mortgage — own the truck from day one, claim the full GST upfront, and depreciate over the asset's useful life.
  • Finance lease — lower repayments with a residual value at the end of the term, ideal for operators who upgrade regularly.
  • Commercial hire purchase — structured instalment ownership with the truck on your balance sheet.
  • Operating lease — off-balance-sheet option for businesses that want to use the asset without owning it.
  • Sale and leaseback — release equity from trucks you already own to fund growth or working capital.

Low Doc Kenworth Finance

Most Kenworth purchases up to $500k are available on a low documentation basis — no tax returns, no financial statements required. You need an active ABN, 3–6 months of business bank statements and the details of the truck being purchased. For purchases above $500k we can often structure a combination of low doc and full doc facilities to cover the full amount.

Rates and Terms

Kenworth finance rates start from 6.29% p.a. for established businesses with clean credit purchasing new or near-new trucks. Rates vary based on your credit profile, ABN age, the age and condition of the truck and the lender. Loan terms of 1–7 years are available with balloon/residual options to manage your repayments. We compare the full lending panel so you see the most competitive options — not just one bank's rate.

Get a Kenworth Finance Quote

  • Call Simon Kendrick on 1300 001 420 — 7 days a week.
  • Or submit an online enquiry for a response within 24–48 hours.
  • No credit score impact to enquire.

Frequently Asked Questions

Common questions about this topic, answered by Simon Kendrick.

How do unsecured business loans work in Australia?

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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?

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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?

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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?

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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?

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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?

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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?

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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?

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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?

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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

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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

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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

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