Overdrive Funding arranges competitive Mack 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.
Mack builds for Australia out of Bayswater, Victoria, alongside Volvo, and has a long history in vocational and heavy haulage work. The Bulldog has genuine brand loyalty in tipper, mixer and road train applications, and that loyalty underpins a stable used market.
Mack models we finance
- Super-Liner — heavy haulage and road train prime movers
- Trident — versatile prime mover and rigid applications
- Anthem — linehaul prime movers
- Granite — vocational, tipper, mixer and construction
- Metro-Liner — urban and waste applications
- 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 Mack resale means for your rate
Mack residuals in vocational work are solid, supported by durable brand loyalty in tipper, agitator and heavy haulage segments. Lenders assess what they could recover, and a Granite or Super-Liner has an identifiable, motivated buyer pool.
Because Macks are built locally for Australian conditions, they avoid the parts and support questions that can affect lower-volume imports. Support availability is a genuine, if unglamorous, factor in how comfortably a lender prices an older heavy truck.
Who finances Mack trucks
Macks are financed by quarry and tipper operators, concrete agitator fleets, heavy haulage and road train businesses, waste and refuse operators running Metro-Liners, and civil contractors. The Granite is a mainstay of Australian construction.
Mack 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 Mack finance
Low doc (no financials) finance is available on Mack 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 Mack?
Vocational Macks work hard, and hours matter as much as kilometres — an agitator or tipper accumulates engine hours far faster than its odometer suggests. Lenders assessing a used vocational Mack look closely at hours and rebuild history, so bring both to the application.
Get a quote
Looking for the best rate on Mack 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.