Lowest Rates in Australia

Trusted by 10,000+ Businesses

Australia's Lowest Trailer Finance Rates

Trailer Loans

Whether you need a single trailer or a full fleet, our tailored solutions cover semi-trailers, tippers, refrigerated, curtainsiders and more — with fast approvals, tailored repayments and better terms than banks on new or used from any dealer, private seller or auction.

0417 000 316

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Compare 80+ in seconds. Free service. No credit impact.

Low doc (no financials) up to $500k Funding From $20k-$10m+ 80+ Lenders Compared No Long Forms Or Paperwork

95%

Approval Success Rate

$380M+

Total Volume Funded

Hour Decisions

Cost To Use Our Service

Trailer Loans Made Easy

Trailers represent a major capital outlay for transport and logistics operators, and the right finance structure can free up cash for fuel, maintenance and staff while you build your fleet.

We arrange finance for every trailer type — from refrigerated trailers and tankers to livestock and drop deck trailers — with flexible terms, no minimum age restrictions on assets, and no requirement to own property to qualify.

Why Choose Us?

Free service with no upfront costs or hidden fees

30+ years experience and industry knowledge

Australian family-owned and operated

We save every client time and money

No wait times, direct access to Simon every time

We can beat bank, dealer and competitor quotes

Fixed rates, low repayments & flexible terms

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)

Built a loyal client base due to our rates & service

Support for the lifetime of your business

Trailers We Finance

We arrange finance for all types of commercial trailers.

Semi-trailer & tautliner finance
Refrigerated trailer finance
Tipper & tilt tray trailer finance
Car carrier & flatbed finance
Tanker trailer finance
Livestock trailer finance
Drop deck & beavertail finance
Curtainsider trailer finance
Dolly & converter dolly finance
Trailer & prime mover combo finance

Unbeatable Rates

We're known for delivering some of the cheapest trailer finance rates in Australia, consistently beating quotes from banks, dealerships and other brokers. With our free trailer finance comparison service, we compare your current offer against leading lenders to secure lower rates and repayments. Many lenders only advertise a base rate without including fees or charges, making loans appear cheaper than they really are. That's why it's important to compare actual repayments, as they show the true cost of the loan. If you already have a quote, send it through and we'll break it down clearly, explain the structure, and help you secure a better deal with confidence.

Range Of Solutions

We provide fast trailer finance approvals and custom solutions to support your business at every stage of growth:

No doc trailer finance
Low doc trailer finance
No deposit trailer finance
Chattel mortgage
Trailer lease
Commercial hire purchase
Rent-to-own
Bad credit trailer finance
Trailer loan refinance
Used trailer finance

Why Use A Trailer Finance Broker?

At Overdrive Funding, we do more than just find a trailer loan — we help transport businesses secure the right finance solution for their goals and cash flow. Unlike going direct to one bank, we compare 80+ lenders to give our clients more options, better flexibility, and stronger approval chances. Our focus is simple: make trailer finance faster, cheaper, easier, and tailored to your business.

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Can't Be Beaten On Price Or Service

Looking for the best deal on trailer finance? We service all major cities and surrounding areas in: NSW, VIC, QLD, WA, SA, TAS, ACT and NT.

Sydney

Melbourne

Perth

Brisbane

Gold Coast

Adelaide

Canberra

Darwin

Tasmania

Overdrive vs Bank

Bank Rates Without the Wait

Why businesses and owner-operators bypass the bank for trailer finance:

Not every business fits a bank template. A bank gives you one rate card, one credit policy and one solution.

Overdrive Funding provides access to the major banks including 80+ lenders and a complete suite of business funding solutions. Lenders compete for your application, you choose the offer that suits.

One application. Multiple lenders. Endless possibilities.

GOING THROUGH OVERDRIVE FUNDING

MULTIPLE LENDERS, ONE APPLICATION

GOING TO BANK

ONE RATE, ONE CREDIT POLICY

Access to 80+ lenders through a single application

Single bank's rate card, no comparison

Trucks up to 25 years & trailers up to 30 years financed

Often won't finance trucks older than 10 years end of term

Streamlined process with lender-specific requirements

Often requires full financials and documentation

Various credit profile appetites across multiple lenders

Owners with impacted credit often not accepted

Pre-approval target within 24 hours

Slower assessment, often 5-10 business days

Flexible structures including balloon payments and repayments

Limited loan structure flexibility

Soft credit check during quoting, no score impact

Hard credit enquiry on every application

Access to specialist transport, equipment and vehicle lenders

General credit policies not tailored to industry

Overdrive vs Broker

Not All Finance Brokers Are Equal

What makes Overdrive Funding different from a typical finance broker:

Any broker can submit an application. The difference is expertise, access, and service.

Overdrive Funding is a specialist in trucks, trailers, machinery and equipment — with relationships across 80+ lenders including specialist transport and heavy vehicle financiers most brokers don't have access to.

Our director works directly with every client. We're available 7 days a week, and we stay involved from enquiry through to settlement and beyond.

One application. Multiple lenders. Endless possibilities.

OVERDRIVE FUNDING

SPECIALIST BROKER, PERSONALISED SERVICE

TYPICAL FINANCE BROKER

LIMITED PANEL, GENERALIST APPROACH

We provide various rate options to choose from in low doc and full doc

Gives you one option at high rates, tells you this is the best deal available

Access to every commercial lender including specialist transport financiers

Limited lender panel of 10-30 lenders

Deep expertise in trucks, trailers, machinery and equipment

Generalist approach, no industry specialisation

Simon, Director, works personally with every client

Less access to specialist asset lenders

We work for our clients and on their time, no pushy sales or rush

Sales and volume-focused, not looking out for your best interest and pushing to sign contract

Direct # available 7 days a week including after hours

No direct numbers with offshore or remote support teams

Full support through settlement and post admin, including payouts etc

Limited involvement after loan is settled

Overdrive vs Dealership

Don't Let The Dealership Choose Your Finance

Why smart buyers arrange finance independently before stepping into a dealership:

Dealership finance is convenient — but convenience comes at a cost. Dealerships earn commission on the finance they sell you, which means the rate you're offered is rarely the best available.

Arranging finance through Overdrive Funding before you shop gives you pre-approval, negotiating power, and the freedom to choose the right deal — not just the easy one.

OVERDRIVE FUNDING

MULTIPLE OPTIONS, INDEPENDENT ADVICE

GOING THROUGH DEALERSHIP

ONE OPTION, THEIR RATE

2-4 competing offers from our lending panel

One finance option at the dealership's rate

Independent advice — we work for you, not the dealer

Rates often inflated — dealerships earn commission on finance

No pressure, take your time to decide

Pressure to sign on the spot

Pre-approval valid for 90 days — shop with confidence

Finance tied to buying from that dealership only

Works with any dealer, private seller or auction

Limited lender options behind the scenes

80+ lenders competing for your business

No independent advice in your corner

Soft credit check during quoting, no score impact

Hard credit enquiry without rate comparison

Our Simple Process

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.

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.

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.

On-Going Support

Once your loan is completed, we'll support you with any related admin, such as payouts, statements, etc.

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Explore More

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Get an Instant Quote Today

Compare 80+ lenders in seconds. Free service, no impact on your credit score.

0417 000 316