Lending Panel
Access to 80+ Lenders In One Place
Access to Australia's leading commercial lenders lets us compare the market and tailor competitive, flexible finance solutions to each client's unique needs.
Australia's home of cheap trailer finance rates — built for businesses and operators, delivering lower rates and repayments than banks and dealerships. We compare the market, negotiate the best deal and manage everything for a hassle-free experience.
Looking for the lowest rates on trailer finance? You're in the right place. We're known for delivering cheap deals for transport, freight and logistics businesses across Australia.
Whether you're purchasing your first trailer, replacing an existing trailer or expanding a fleet, we can arrange finance for new and used trailers purchased from dealerships, private sellers or auctions.
We cut through bank delays and rigid lending criteria, structuring finance around your business and offering low-doc, lite-doc and full-doc applications, flexible repayments, balloon payment options and early payout flexibility. With access to 80+ lenders, we compare rates, terms and structures across our entire panel to match your application with the lender best suited to your credit profile, ABN history and cash flow position.
The result? Faster approvals, lower rates and better terms designed to support your business growth for the long haul.
Get in touch with Simon and our experienced team today for a free, no-obligation quote and discover how much you could save on your trailer finance.
We arrange trailer finance for all makes and models.
We provide custom solutions to support your business at every stage of growth:
We're known for securing the cheapest trailer finance rates, consistently beating quotes from banks, dealerships, and other brokers. Through our free trailer loan comparison service, we'll compare any quote against our panel to secure you a lower rate with reduced repayments. Never rely on a verbal interest rate. Many brokers and dealer quote rates over the phone without disclosing all fees and charges, making finance appear cheaper than it really is. That's why it's essential to get your quote in writing to compare actual repayments, as they reveal the true cost of the loan. If you've received a quote, send it through for a free review. We'll break down the interest rate, repayments, fees, loan structure, and total cost, identify any hidden charges, and let you know if a better deal is available. A few minutes spent comparing finance options could save your business thousands over the life of the loan.
A trailer finance pre-approval gives you a real advantage when buying from a dealership, auction, or private seller. With finance already in place, you'll know exactly what you can afford and have greater negotiating power as a serious buyer. We'll confirm your borrowing capacity, interest rate, loan term, and estimated repayments upfront. With decisions available in as little as 24 hours and approvals valid for up to 90 days, you'll be ready to act when the right trailer finance comes along. Simply send us the invoice and we'll arrange settlement and release the funds.
Want the best deal on trailer finance? We're known for delivering low rates in all major cities and surrounding regional areas across NSW, VIC, QLD, WA, SA, TAS, ACT and NT.
When applying for trailer finance, lenders will generally offer Low Doc, Light Doc or Full Doc options. The right choice depends on your business structure and the financial records you can provide.
Low Doc Trailer Finance
Light Doc Trailer Finance
Full Doc Trailer Finance
| Feature | Low Doc Trailer Finance | Light Doc Trailer Finance | Full Doc Trailer Finance |
|---|---|---|---|
| Financial Statements Required | No | No | Yes |
| BAS Statements Required | No | Usually | Sometimes |
| Business Bank Statements | No | Yes | Sometimes |
| Approval Speed | Fastest | Fast | Standard |
| Interest Rates | Higher | Competitive | Most Competitive |
| Borrowing Capacity | Up to $500k | Up to $500k | Up to $10m+ |
| Ideal Outcome | Quick approval with minimal paperwork | Balance of flexibility and pricing | Best pricing and maximum borrowing power |
Need help deciding? Our finance specialists will assess your circumstances and recommend the most suitable asset finance solution for your business.
| If You Are... | Recommended Option |
|---|---|
| Self-employed or businesses with limited financial records | Low Doc |
| Businesses with bank statements and BAS available | Light Doc |
| Businesses with full financials | Full Doc |
Low Doc finance is designed for borrowers who want a simple, streamlined approval process. In most cases, no financial statements or BAS statements are required. Approval is generally based on your ABN history, credit profile, and the asset being financed.
Light Doc finance provides a middle ground between Low Doc and Full Doc lending. Borrowers can often qualify using recent business bank statements and limited supporting documentation, without the need for full financial accounts.
Full Doc finance is suitable for borrowers who can provide complete financial records and supporting documentation. This option typically offers the most competitive rates and highest borrowing capacity.
Compare Your Options
See how going through Overdrive compares to a bank, a typical broker, or dealership finance.
What Matters
Overdrive Funding
Banks
Dealership Finance
Other Finance Brokers
Lender Access
Your Credit Profile
Finance Options
Broker Service Fees
Approval Times
Flexible Lending
Asset Eligibility
Personal Service
After-Hours Support
Ongoing Support
Lender Access
Overdrive Funding
One application. Major banks and 80+ lenders compared.Banks
One lender, their own product onlyDealership Finance
Selected finance partnersOther Finance Brokers
Typically a smaller panel of lendersYour Credit Profile
Overdrive Funding
One soft credit check while we quoteBanks
A hard enquiry on every direct applicationDealership Finance
Hard credit enquiry without rate comparisonOther Finance Brokers
Usually shops you around to multiple lendersFinance Options
Overdrive Funding
We deliver multiple options across low doc, full doc and moreBanks
One product, full financials and paperwork requiredDealership Finance
One rate offered, only available todayOther Finance Brokers
Quotes one rate, tells you it's the best dealBroker Service Fees
Overdrive Funding
Bank rates without the queue or paperworkBanks
Bank fees may applyDealership Finance
Finance fees may applyOther Finance Brokers
Typically charges an additional service fee at settlementApproval Times
Overdrive Funding
Often within 24–48 hours for eligible applicationsBanks
Slow process, typically weeksDealership Finance
Often fast but rate is often non-negotiableOther Finance Brokers
Varies by broker and panelFlexible Lending
Overdrive Funding
New ABNs, low doc and credit challengesBanks
Conservative, minimal policy exceptionsDealership Finance
Subject to lender policyOther Finance Brokers
Depends on lender panelAsset Eligibility
Overdrive Funding
New, used and older equipment up to 25–30 yearsBanks
Asset age restrictions may applyDealership Finance
Limited to dealer stockOther Finance Brokers
Depends on lender accessPersonal Service
Overdrive Funding
Direct access to Simon, the DirectorBanks
No direct numbers, rotating staff and call centresDealership Finance
A salesperson upselling financeOther Finance Brokers
High staff turnover, clients passed between brokersAfter-Hours Support
Overdrive Funding
Available 7 days a week, including evenings and weekendsBanks
Generally business hoursDealership Finance
Dealership trading hoursOther Finance Brokers
Typically no after hours or weekend supportOngoing Support
Overdrive Funding
Assistance before, during and after settlementBanks
Hard to reach with little contact after settlementDealership Finance
Typically none after the saleOther Finance Brokers
Focuses on quick deals and onto the nextSpeak to one of our experts about your business needs, and we'll offer tailored finance options, ensuring we secure the best rates for your specific asset and situation. We'll go over terms and decide which is the best solution for you.
We conduct a soft-touch evaluation of your profile to match you with the right lender for pre-approval. Once you're pre-approved, you can shop confidently for 90 days. If you've found your trailer, we'll initiate the process and take care of all the admin.
When the lender is prepared to settle, you'll receive the contract for your review and signature. After settlement, it's time to pick up your asset.
Once your loan is completed, we'll support you with any related admin, such as payouts, statements, etc.
Reviews
★★★★★ 5.0 / 5 based on our Google reviews
FAQ
Lending Panel
Access to Australia's leading commercial lenders lets us compare the market and tailor competitive, flexible finance solutions to each client's unique needs.