Key highlights
- Truck body and fit-out can often be financed together
- Roll the tray, pantech box or service body into one amount
- Body cost can be included on the invoice at delivery
- Check repayments stay comfortable with the fit-out added
- 80+ lenders compared, obligation-free quote
A bare cab-chassis is only half the story; the body and fit-out often make the truck fit for work. This post explains whether you can finance the body and fit-out alongside the truck itself.
Can you finance a truck body?
In many cases, a truck body or fit-out can be financed together with the light truck, so the tray, pantech box, refrigeration unit or service body is funded as part of one package. This lets you spread the full cost of a work-ready truck rather than paying separately for the build. Availability depends on the lender and remains subject to lender criteria.
How does truck body finance work?
Where the body is fitted before delivery, its cost can often be rolled into the overall finance amount and included on the invoice. If the fit-out is done by a separate builder, lenders may need documentation covering both the cab-chassis and the body. Clear quotes and invoices for each part keep the process straightforward.
What to consider when financing a fit-out?
Financing the fit-out increases the amount borrowed, so it is worth checking the repayments remain comfortable. The way the combined asset is treated for tax and depreciation is a question for your accountant or registered tax adviser, who can advise on your specific situation.
How do you finance the whole build?
Simon Kendrick at Overdrive can help you fund the truck and its fit-out together by comparing 80-plus lenders. Ask for an obligation-free quote today. It starts with a soft check that has no credit-score impact.
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