Overdrive Funding arranges competitive Mercedes-Benz 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.
Mercedes-Benz brings the safety and driver-assistance technology it is known for into the truck market, and that has driven adoption among fleets managing risk, insurance exposure and driver retention as seriously as they manage fuel.
Mercedes-Benz models we finance
- Actros — linehaul and heavy prime movers
- Arocs — construction, tipper, mixer and vocational
- Atego — medium duty distribution
- Econic — low-entry urban, waste and refuse applications
- eActros and electric variants
- 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 Mercedes-Benz resale means for your rate
Mercedes-Benz truck residuals are reasonable and supported by fleet demand, though the buyer pool is narrower than the high-volume Japanese brands. The Econic is a genuine specialist — its low-entry cab makes it the default for kerbside waste collection, which gives it a small but reliable market.
On European trucks generally, lender appetite is less uniform than on mainstream assets. Some lenders have strong data and price accordingly; others apply a defensive margin. That variance is the argument for comparing rather than accepting the first quote.
Who finances Mercedes-Benz trucks
Mercedes-Benz trucks are financed by linehaul fleets running Actros, construction and civil operators using Arocs tippers and agitators, metro distribution running Atego, and waste and council operations running Econic.
Mercedes-Benz 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 Mercedes-Benz finance
Low doc (no financials) finance is available on Mercedes-Benz 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 Mercedes-Benz?
Ex-fleet Actros units come to market with strong service histories, since the fleets buying them typically maintain to schedule and cycle on a plan. As with any European truck, confirm parts and service access in your region before committing — it is a practical consideration in remote areas and one lenders quietly weigh too.
Get a quote
Looking for the best rate on Mercedes-Benz 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.