Overdrive Funding arranges competitive XCMG 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, clearing sales or auctions anywhere in Australia.
XCMG is one of the world's largest equipment manufacturers by volume and has built an Australian presence on competitive pricing, particularly in wheel loaders, cranes and rollers.
XCMG equipment we finance
- XE excavators — XE15, XE27, XE35, XE60, XE75, XE135, XE215, XE370 and XE490
- LW wheel loaders — LW300, LW400, LW500 and LW600
- Truck-mounted, crawler and rough terrain cranes
- XS and XD rollers and compaction equipment
- Motor graders and telehandlers
- New, used, dealer, private-sale and auction purchases
We only finance machines located in Australia. See our machinery finance options for the full range.
What XCMG resale means for your rate
As with other newer entrants, XCMG's Australian resale data is thinner than the established brands. Lenders price partly on what they could recover, and where the used market is still forming, some lenders build in a margin, ask for more deposit or cap the term.
The sensible way to approach this is total cost of ownership. A lower purchase price is a genuine advantage if you intend to work the machine and hold it. If you cycle equipment every three years, softer resale and any rate premium erode the saving. Run both numbers before deciding, and compare lenders — appetite varies widely on this brand.
Who finances XCMG equipment
XCMG machines are financed by civil contractors, quarrying and materials handling operations, crane hire businesses, road building contractors and price-sensitive operators who work and hold their gear.
XCMG finance rates
Established ABN (2+ years), new machine, full doc
Established ABN, used machine, 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 machine, full doc | From 6.1% | $0 – 10% |
| Established ABN, used machine, 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, hours, term and your individual circumstances.
Low doc XCMG finance
Low doc (no financials) finance is available on XCMG equipment up to $500k for the right profiles, assessed on your ABN, GST registration, credit profile and the machine rather than tax returns or financial statements. It typically sits in the 7% to 10% range for an established business buying used.
New or used XCMG?
New with dealer warranty is generally the cleaner path on XCMG, as used values are less established and a lender may require an independent valuation. XCMG's loaders and rollers have a longer Australian track record than its excavators.
Get a quote
Looking for the best rate on XCMG 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.