Refrigerated Trailer Finance
We're trusted trailer finance brokers, helping ABN holders, businesses and owner-operators secure trailer loans with fast approvals up to $500,000. Rather than relying on a single bank or dealership, we compare major banks and non-bank lenders, negotiating low interest rates, fees and repayments. From application to settlement, we manage the entire process for a hassle-free experience.
Free No-Obligation Quote
Compare options with 80+ lenders. No credit impact.
Many deals we settle fall outside standard bank criteria. We find solutions where banks can't.
Bank Rates Without The Queue Or Paperwork
- One application. Multiple options to choose from.
- Free service, no hidden fees, ever
- Solutions for all credit profiles and ABN lengths
- Established companies, start-ups, SMEs to owner-operators
- No deposit, $0 down options and no additional security
- Low doc & no financials require zero paperwork
- Buy new or used from dealerships, private sellers & auctions
- Available 7 days a week, including evenings and weekends
Trailer Finance Australia Australia Wide
Low-Rate Refrigerated Trailer Finance Australia
Looking for the lowest rate on refrigerated trailer loans? We compare rates, fees and terms from over 80 lenders to secure you the most competitive deal in the market — and our service is 100% free. If you decide not to proceed, it's no cost to you.
We handle the entire process on your behalf. This includes preparing your application, choosing the right lender for your credit profile and ABN history, negotiating the rate and terms, and managing all paperwork through to settlement. We also assist with post-settlement administration, including existing loans payouts and related documentation.
Most clients are surprised by how much lower our rates and repayments are compared to financing through a dealership, bank or another broker. If you've been quoted elsewhere, send us the quote and we'll review it free of charge to see if we can beat it.
Our refrigerated trailer loans brokers secure loans for new, used and demo refrigerated trailers purchased through dealerships, private sellers and auctions — including single and multi-temp reefer trailers for food, pharmaceutical and cold chain logistics.
Low-doc (no financials) refrigerated trailer loans up to $500,000 and no deposit refrigerated trailer loans is available for eligible applicants.
Get in touch with Simon for a free, no-obligation quote and discover how much you could save on refrigerated trailer loans.
Refrigerated Trailer Brands We Loan
We arrange refrigerated trailer loans for all makes and models.
- Vawdrey
- Maxitrans
- Krueger
- Barker
- Hamelex
- Southern Cross
- Lusty EMS
- Hercules
- Moore
- Panus
- SDC
- Schmitz
- Vanguard
- Wabash
- Utility
Range Of Solutions
We provide custom solutions to support your business at every stage of growth:
- No doc refrigerated trailer finance
- Lite doc refrigerated trailer finance
- Low doc refrigerated trailer finance
- No financials refrigerated trailer finance
- Full doc refrigerated trailer finance
- No deposit refrigerated trailer finance
- Bad credit refrigerated trailer finance
- Used refrigerated trailer finance
- New refrigerated trailer finance
- Chattel mortgage
- Refrigerated trailer lease
- Hire purchase
- Rent-to-own
- Sale & leaseback
Unbeatable Rates - Always Compare Before Signing
We're known for securing the cheapest refrigerated 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.
Get Pre-Approved Before You Buy
A refrigerated 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 refrigerated trailer finance comes along. Simply send us the invoice and we'll arrange settlement and release the funds.
Trailers We Finance
We finance any new or used trailer from dealerships, private sellers and auctions:
- Semi-Trailers
- B-Double Trailers
- Road Train Trailers
- Curtainsider Trailers
- Refrigerated Trailers
- Drop Deck Trailers
- Flat Top Trailers
- Extendable Trailers
- Skel Trailers
- Container Trailers
- Side Loader Trailers
- Tipper Trailers
- Side Tipper Trailers
- End Tipper Trailers
- Dog Trailers
- Pig Trailers
- Low Loader Trailers
- Lowboy Trailers
- Float Trailers
- Car Carrier Trailers
- Transport Trailers
- Livestock Trailers
- Stock Crate Trailers
- Tanker Trailers
- Fuel Tanker Trailers
- Water Tanker Trailers
- Bulk Haulage Trailers
- Grain Trailers
- Logging Trailers
- Aggregate Trailers
- Vacuum Tanker Trailers
- Waste Transfer Trailers
Unbeatable Rates - Always Compare Before Signing
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.
Get Pre-Approved For Refrigerated Trailer Finance Before You Buy
A refrigerated 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 refrigerated trailer comes along.
Simply send us the invoice and we'll arrange settlement and release the funds.
Why Use A Trailer Finance Broker?
At Overdrive Funding, we do more than arrange trailer loans — we help businesses secure the right finance solution to support growth and improve cash flow.
Rather than being limited to one bank, we compare over 80 lenders to access competitive rates, flexible terms, and stronger approval opportunities.
Whether you're financing a tipper, flatbed, curtainsider, or an entire fleet, we tailor trailer finance solutions to suit your business needs.
Our goal is simple: make trailer finance faster, easier, and more affordable while helping you secure the best possible outcome.
What can a broker offer that a bank cannot?
New ABN & Low Doc
Finance available from day one of your ABN, with low doc options up to $500k without full financial statements for eligible applicants.
All Credit Profiles
Solutions for businesses with defaults, past credit issues or circumstances that fall outside standard bank lending criteria.
Private Sales & Auctions
Finance for refrigerated trailers purchased from private sellers, auction houses and interstate dealers — not just franchised dealerships.
Older Refrigerated Trailers Welcome
Finance for refrigerated trailers up to 25 years old at end of loan term, including older stock that most banks won't touch.
Asset-Specific Knowledge
Refrigerated Trailer finance has unique valuation, age and security requirements. A broker who writes these deals daily knows which lenders suit your asset type.
Speed
Applications submitted in the format a particular credit team expects move faster. Approvals in 24 to 48 hours are achievable on straightforward deals.
Protecting Your Credit File
A broker who knows which lender fits does not need to scatter applications across the market. Multiple enquiries in a short window can work against you.
Preserving Your Bank Facilities
Financing the refrigerated trailer away from your main bank keeps your overdraft and other lines free for working capital.
Structuring Options
Term, balloon and repayment frequency shaped around what the asset earns rather than a standard template.
Why Choose Us As Your Broker?
A selection of options available for this type of finance.
- Free service with no upfront costs or hidden fees
- One broker for the life of your business, no handovers
- 30+ years experience and industry knowledge
- Australian family-owned and operated
- We save every client hundreds to thousands of dollars
- No wait times, direct access to Simon every time
- We can beat bank, dealer and competitor quotes
- We guarantee clear title transfer
- We protect what matters—your credit score
- We build trust by being honest and transparent
- Established, new and 1 day ABNs
- Expert and strategic negotiation approach
- Solutions for various credit profiles
- Tax benefits (asset depreciation)
- 24/7 support as we know business never stops
Can't Be Beaten On Price Or Service
Want the best deal on refrigerated 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.
Low Doc, Light Doc & Full Doc Trailer Finance
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 |
Which Option Is Right For You?
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 Trailer Finance
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 Trailer Finance
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 Trailer Finance
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
Why Businesses Choose Overdrive
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 nextWhat To Expect When Working With Us
Our Simple Process
From your first enquiry to finance approval, settlement and ongoing support — no call centres, no handovers, no unnecessary paperwork.
- 01
Consult, Offer & Decide Together
Speak 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.
- 02
Conditional Approval
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.
- 03
Sign Documents and Get Funded
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.
- 04
On-Going Support
Once your loan is completed, we'll support you with any related admin, such as payouts, statements, etc.
Better rates. Smarter finance. Bigger opportunities.
One purchase or a bigger funding plan — start with a free conversation.
Repayment Calculator
Trailer finance calculator
Use our free online trailer finance calculator to estimate monthly loan repayments and compare interest rates, loan terms and balloon payments. Simply enter your loan amount, interest rate, repayment term and balloon amount to calculate your estimated trailer finance repayments in seconds.
Need help?
Loan term
Balloon / residual
Repayment frequency
Your indicative repayment
$3,005/month
≈ $692/week
7.49% p.a. · 5 years · 0% balloon
Loan principal: $150,000
Ready to see your true rate?
This is indicative at 7.49% p.a. Your actual rate depends on the trailer, your ABN history and credit profile. Get a personalised quote — no credit impact, no obligation.
Indicative only. Does not represent an offer of credit. Assumes 7.49% p.a. fixed, secured loan for business use. Does not include fees, charges or individual circumstances. Actual rate subject to lender criteria and credit assessment.
Reviews
What Our Clients Say
★★★★★ 5.0 / 5 based on our Google reviews
FAQ
Refrigerated Trailer Finance — Frequently Asked Questions
Common questions about this type of finance — answered.
What are current trailer finance rates in Australia?
Trailer finance rates in Australia currently range from around 7.20% to 14% per annum. New trailers for established operators with clean credit attract rates from around 7.20%. Used trailers, new ABNs and specialist configurations carry higher rates. We compare 80+ lenders to secure the most competitive rate available for your trailer type and credit profile.
What types of trailers can you finance?
We finance semi-trailers, curtainsiders, drop deck trailers, skeletal trailers, dog trailers, float trailers, tipper trailers, grain trailers, livestock trailers and more. New and used, nationally.
Can I finance a trailer with a new ABN?
Yes. Some lenders accept 1-day ABN applications for trailer finance, subject to the asset type and applicant credit profile. Speak to us about what's available for your situation.
Is low doc available for trailer finance?
Yes. Low doc trailer finance is available up to $500k — typically requiring only your ABN, driver's licence and bank statements. No BAS or tax returns needed.
Can I bundle trailer finance with a prime mover?
Yes. We can arrange combined finance packages covering both a prime mover and trailer(s) with a single application, often with better overall terms than financing them separately.
Can I finance a trailer from a private seller or auction?
Yes. We finance trailer purchases from registered dealers, private sellers and auction houses. For private sales, the lender may require additional verification such as proof of ownership and registration. We manage this process for you.
What loan terms are available for trailer finance?
Trailer finance terms typically range from 12 to 84 months (1 to 7 years), depending on the asset age, lender and your preference. Longer terms reduce monthly repayments — we'll help you find the right balance for your cash flow.
Do I need insurance to finance a trailer?
Yes. Most lenders require proof of comprehensive or third-party property insurance before settling a trailer loan. We recommend arranging this in advance so it doesn't delay your settlement — and if you need cover, we can arrange insurance for you as part of the process.
Do balloon or residual payments work on trailer finance?
Yes. A balloon or residual reduces your monthly repayments by deferring a lump sum to the end of the term. We structure it to align with the trailer's expected resale value and your replacement cycle.
Can I trade in an existing trailer as part of an upgrade?
Yes. Trade-in proceeds can be applied against the new facility to reduce the amount financed. If the timing doesn't align, we can often bridge the gap so your upgrade isn't held up waiting on the old trailer to sell.
Can I finance multiple trailers in one application?
Yes. We regularly arrange multi-trailer packages under a single application, either under one lender facility or split across lenders to get the best overall structure for your fleet.
What types of trailers can you finance?
We finance semi-trailers, B-doubles, road trains, curtainsiders, refrigerated trailers, flat tops, drop decks, tipper trailers, low loaders, livestock trailers, car carriers, tankers and more — new, used and older trailers.
Can I finance a trailer separately from a prime mover?
Yes. Trailers can be financed independently or as part of a truck-and-trailer package. We'll compare both options and recommend the most efficient structure.
What is the typical loan term for trailer finance?
Trailer finance terms typically run from 2 to 7 years. The right term depends on the trailer's expected useful life, your replacement cycle and monthly repayment budget.
Can I get trailer finance with no deposit?
Yes. No-deposit trailer finance is available for eligible ABN holders. Lender requirements vary — a strong trading history and clean credit typically help secure 100% finance.
Can I finance a used or older trailer?
Yes. Used trailer finance is widely available. Age limits vary — most lenders finance trailers up to 10–15 years old, with specialist lenders extending to older assets for the right applicant.
Can I finance a trailer from a private seller?
Yes. We arrange finance for trailers from private sellers anywhere in Australia. We handle the settlement and title transfer documentation.
What finance structure is best for a trailer?
Chattel mortgage is most common — you own the trailer from day one and can claim the GST and depreciation. Finance lease suits operators who prefer fully deductible repayments. We'll recommend based on your tax position.
Can I refinance an existing trailer loan?
Yes. If you're paying a high rate, refinancing may reduce your repayments or free up cash. We compare refinance options across our 80+ lender panel.
How long does trailer finance take to settle?
Most applications receive a decision within 24–48 hours. Settlement typically completes within 2–5 business days, depending on documentation and whether an inspection is required.
Lending Panel
Access to 80+ Lenders In One Place
Overdrive Commercial Funding is directly accredited with all major banks, commercial non-bank, specialist and private lenders.
