Australia's Home Of Cheap Truck Finance Rates
Truck Loans
Whether it's one truck or a full fleet, our tailored solutions cover prime movers, concrete trucks, tipper trucks and more — with fast approvals, tailored repayments and better terms than banks on new or used from any dealer, private seller or auction.
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Compare 80+ in seconds. Free service. No credit impact.
95%
Approval Success Rate
$380M+
Total Volume Funded
24
Hour Decisions
$0
Cost To Use Our Service
Truck Loans Made Easy
We help Australian businesses secure cheap truck finance with some of the most competitive rates in the market. Whether you're an owner-operator, sole trader, ABN holder, SME, or large transport company, we make it easy to finance your next truck, trailer, or fleet with confidence. With access to 80+ commercial lenders across Australia, we negotiate on your behalf to help secure low-rate truck loans with flexible terms tailored to your business cash flow.
Simon, our Director and head broker, works directly with every client, supported by our experienced team for a seamless process. We manage the entire process from application through to settlement, structuring your deal for fast approvals, arranging invoices, assisting with any post-settlement admin, and always answering our phones to keep you updated or answer any questions you may have 24/7.
We're family-owned and operated with over 30 years supporting Australian businesses, we pride ourselves on honesty and transparency. We'll educate you about your loan so there are no surprises or hidden fees and ensure you get the most competitive rate for every purchase, supporting your business growth for the long haul. With us, there's no reason to go anywhere else for future needs.
Get a free quote to access the lowest rates and repayments on truck finance and get pre-approved today. We've assisted thousands of businesses in growing from owning a single truck to managing fleets of 20+ and we're here to help you do the same.
Why Choose Us?
Trucks We Finance
We arrange finance for all commercial transport and heavy vehicles.
- Prime mover & semi truck finance
- Tipper & dump truck finance
- Concrete & agitator truck finance
- Crane truck finance
- Refrigerated truck finance
- Tow truck finance
- Rigid & box truck finance
- Pantech truck finance
- Light commercial vehicle finance
- Truck & trailer finance
Unbeatable Rates
We're known for delivering some of the cheapest truck finance rates in Australia, consistently beating quotes from banks, dealerships and other brokers. With our free truck loan 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 truck finance approvals and custom solutions to support your business at every stage of growth:
- No doc truck finance
- Low doc truck finance
- No deposit truck finance
- Chattel mortgage
- truck lease
- Commercial hire purchase
- Rent-to-own
- Bad credit truck finance
- truck loan refinance
- Used truck finance
Why Use A Truck Finance Broker?
At Overdrive Funding, we do more than just find a truck 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 truck finance faster, cheaper, easier, and tailored to your business.
Can't Be Beaten On Price Or Service
Looking for the best deal on truck finance? We service all major cities and surrounding areas in: NSW, VIC, QLD, WA, SA, TAS, ACT and NT.
Overdrive vs Bank
Bank Rates Without the Wait
Why businesses and owner-operators bypass the bank for truck 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
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
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
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 truck, 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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