In many cases you can finance a truck and its attachments together on a single loan, covering items such as a crane, tipper body, tail lift or custom body as part of the one asset package. Lenders generally prefer the attachments to be fitted or invoiced with the truck. Overdrive's Simon Kendrick compares 80-plus lenders to package it cleanly, with all figures indicative and subject to lender assessment.
What counts as an attachment
Attachments are the gear that turns a bare truck into a working unit for your trade: a tipper body, curtain-sider, crane or hiab, tail lift, refrigeration unit, beavertail, water tank or a custom service body. Because these items are fixed to the truck and are essential to how it earns, lenders will usually treat them as part of the financed asset rather than something separate. The cleaner the link between the truck and the attachment, ideally on the one invoice or fitted before delivery, the simpler it is to include them in a single facility.
Why one loan is usually simpler
Financing the truck and its gear together keeps things tidy. You have one application, one settlement and one repayment covering the complete working asset, rather than juggling a separate loan or paying for the attachment out of cash flow. It also means the finance reflects the truck as it actually operates, which can help at trade or refinance time down the track. Rates start from around 7.20% p.a. for strong, asset-backed deals, with lower-doc, older or cheaper trucks and weaker credit priced higher; all figures are indicative and subject to lender assessment once the complete package has been reviewed.
How the invoicing should be set up
Lenders like to see the attachment clearly tied to the truck. The easiest approach is a single invoice from the dealer or body builder that lists the truck and the fitted gear together. Where a specialist fits the body separately, a matching invoice referencing the same truck usually works, provided it is fitted rather than loose equipment. Loose or portable items that are not attached can be harder to include and may need a different arrangement. Simon can confirm how a given lender wants the paperwork structured before the order is placed, avoiding delays at settlement.
Matching the deal to the right lender
Not every lender handles fitted bodies and custom builds the same way, and some are far more comfortable with specialist gear than others. Comparing many lenders means your complete package is matched to one that understands it rather than trimmed to fit a narrow product. Terms typically run one to seven years with balloon or residual options to suit how the truck earns its keep. Simon compares 80-plus lenders on your behalf, and same-day pre-approval may be available for eligible applicants, so a custom build or a specialist fitted body does not have to slow your finance down at all.
Kitting out a truck with a body, crane or other gear? Send Simon the truck and attachment details and Overdrive will compare 80-plus lenders to package the whole working asset on one loan.
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