Trailer Finance Australia
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 Trailer Finance Australia
Looking for the lowest rate on trailer finance and loans? We're known for delivering cheaper rates and repayments than banks and dealerships - for ABN holders, owner-operators, self-employed, sole traders, tradies, companies, start-ups and established businesses across transport, haulage, construction, earthmoving, demolition, agriculture, mining, landscaping, trades, waste management and everything in between.
With access to more than 80 banks and specialist lenders, we compare the market to secure the most competitive rates, repayments and loan terms available. We offer flexible repayments, balloon payment options and early payout flexibility, and also assist with post-settlement administration, including existing finance 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.
We arrange finance for semi trailers, curtainsiders, tautliners, flatbeds, side tippers, tankers, car carriers, dollies, refrigerated trailers, drop decks, low loaders, road train trailer and just about every other commercial trailer - new, used and demos purchased through dealerships, private sellers and auctions.
Low-doc (no financials) trailer finance up to $500,000 and no deposit truck finance is available for eligible applicants.
Get in touch with Simon for a free, no-obligation quote and discover how much you could save on trailer finance.
Range Of Solutions
We provide custom solutions to support your business at every stage of growth:
- No doc trailer finance
- Lite doc trailer finance
- Low doc trailer finance
- No financials trailer finance
- Full doc trailer finance
- No deposit trailer finance
- Bad credit trailer finance
- Used trailer finance
- New trailer finance
- Chattel mortgage
- Trailer lease
- Hire purchase
- Rent-to-own
- Sale & leaseback
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 Trailer Finance Before You Buy
A 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 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 trucks purchased from private sellers, auction houses and interstate dealers — not just franchised dealerships.
Older Trucks Welcome
Finance for trucks and trailers up to 25 years old at end of loan term, including older stock that most banks won't touch.
Asset-Specific Knowledge
Heavy vehicles are valued, aged and secured differently from cars. A broker who writes truck deals daily knows which lenders understand a B-double set, a tipper and dog, or a specialised body build.
Speed
Applications submitted in the format a particular credit team expects move faster. Approvals in 24 to 48 hours are achievable on straightforward deals, which matters when a truck is under offer.
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 truck 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 truck earns rather than a standard template.
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.
WORKING WITH US
MULTIPLE LENDERS, ONE APPLICATION
GOING TO BANK
ONE RATE, ONE CREDIT POLICY
TYPICAL FINANCE BROKER
LIMITED PANEL, GENERALIST APPROACH
DEALERSHIP FINANCE
ONE OPTION, THEIR RATE
Working With Us
80+ lenders compared in one applicationGoing to Bank
One lender, their own products onlyTypical Finance Broker
A limited lender panel of 10-30 lendersDealership Finance
One or two finance partners, or a broker they refer you toWorking With Us
We deliver you 2-3 options to choose fromGoing to Bank
One product, full financials requiredTypical Finance Broker
Gives you one option, tells you this is the best dealDealership Finance
One rate offered, take it or leave itWorking With Us
100% free — we don't charge any in-house service feesGoing to Bank
Charges application/establishment fees and document feesTypical Finance Broker
Typically charges a service fee at settlementDealership Finance
Cost built into an inflated priceWorking With Us
Approvals often within 24-48 hoursGoing to Bank
Slow — weeks, through many handsTypical Finance Broker
Varies, depends on their panelDealership Finance
Fast, but rate is often non-negotiableWorking With Us
Fast pre-approval valid for 90 daysGoing to Bank
Slow or no pre-approval before you buyTypical Finance Broker
Available, panel-dependentDealership Finance
Tied to that one vehicle onlyWorking With Us
Specialist lenders for tougher credit profilesGoing to Bank
Conservative — minimal policy exceptionsTypical Finance Broker
Some flexibility, panel-dependentDealership Finance
Prime borrowers onlyWorking With Us
One soft credit check while we quoteGoing to Bank
A hard enquiry on every direct applicationTypical Finance Broker
Usually shops you around, making multiple enquiriesDealership Finance
Hard credit enquiry without rate comparisonWorking With Us
Independent — We work for our clients and on their time, no pushy sales or rushGoing to Bank
Serves the bank, not youTypical Finance Broker
Sales and volume-focused, not looking out for your best interest and pushing to sign contractDealership Finance
Serves the dealer's finance targets with pressure to sign on the spotWorking With Us
Direct access to Simon, the DirectorGoing to Bank
No direct numbers, with rotating staff and call centresTypical Finance Broker
High staff turnover — clients passed between brokersDealership Finance
A salesperson upselling financeWorking With Us
Available 7 days a week, including after hoursGoing to Bank
Business hours onlyTypical Finance Broker
Business hours only with no weekend supportDealership Finance
Showroom hours onlyWorking With Us
Older trucks up to 25 years and trailers 30 years by end of termGoing to Bank
Tightly capped, around 10-15 yearsTypical Finance Broker
Depends on their limited panelDealership Finance
New & near-new stock focusWorking With Us
Buy from any dealer, private seller or auctionGoing to Bank
Restrictions may applyTypical Finance Broker
Usually dealer or private onlyDealership Finance
That dealership onlyWorking With Us
Full support through settlement & beyondGoing to Bank
Little contact after settlementTypical Finance Broker
Focuses on converting sales rather than long-term supportDealership Finance
None after the saleWhat To Expect When Working With Us
A Simple, Stress-Free Finance Process
From your first enquiry to finance approval, settlement and ongoing support, Simon personally manages the entire process. No call centres, no handovers and no unnecessary paperwork.
- 01
Consult, Compare & Choose
Speak directly with Simon about your trailer and business requirements. We'll assess your needs, compare suitable options across major banks and 80+ non-bank lenders, and present competitive rates and flexible terms to help you make an informed decision.
- 02
Conditional Approval
We prepare and submit your application in the format each lender expects. Conditional approval is typically available within 24 to 48 hours on straightforward deals. Eligible applicants can secure pre-approval valid for up to 90 days. Subject to lender approval.
- 03
Sign Documents & Get Funded
Once your finance receives final approval, we'll coordinate the loan contracts and settlement requirements with the lender and seller. Simply review and sign your documents, and we'll arrange settlement so you can collect your trailer and get back to business.
- 04
Ongoing Support
Our service doesn't end at settlement. Simon remains your dedicated finance broker, assisting with payout figures, loan statements, refinancing, additional asset purchases and future funding requirements. You'll always deal directly with someone who knows your business.
Better rates. Smarter finance. Bigger opportunities.
One purchase or a bigger funding plan — start with a free conversation.
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 nextRecently Funded
Real Deals, Real Businesses
A sample of recent facilities we've settled for Australian businesses.
$82k
Tipper Trailer
Industry
Civil Construction
State
QLD
Facility Type
Low Doc
Turnaround
Same day approval
$148k
Low Loader Trailer
Industry
Earthmoving
State
WA
Facility Type
Full Doc
Turnaround
Approved in 3 days
$54k
Drop Deck Trailer
Industry
Transport & Logistics
State
NSW
Facility Type
Low Doc
Turnaround
Approved in 24 hours
$40k
Flat Top Trailer
Industry
Construction
State
VIC
Facility Type
Low Doc
Turnaround
Approved in 48 hours
$69k
Curtainsider Trailer
Industry
General Freight
State
NSW
Facility Type
Low Doc
Turnaround
Approved in 24 hours
$92k
Refrigerated Trailer
Industry
Food Distribution
State
VIC
Facility Type
Full Doc
Turnaround
Approved in 3 days
Showing recent facilities settled. Client names withheld for privacy. View all recently funded deals.
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
Trailer Finance Australia — Frequently Asked Questions
Common questions about trailer finance australia — answered.
What are current trailer loans rates in Australia?
Trailer loans 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 get a trailer loan with a new ABN?
Yes. Some lenders accept 1-day ABN applications for trailer loans, 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 loans?
Yes. Low doc trailer loans 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 loans with a prime mover?
Yes. We can arrange combined loan packages covering both a prime mover and trailer(s) with a single application, often with better overall terms than financing them separately.
Can I get a trailer loan 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 loans?
Trailer loans 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 get a trailer loan?
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 loans?
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 get a loan for 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 is a trailer loan?
A trailer loan is a commercial finance product used to purchase a trailer — typically structured as a chattel mortgage. The lender funds the purchase, holds a security interest over the trailer, and you make regular repayments until the loan is paid in full.
What types of trailers can be financed?
We arrange loans for semi-trailers, curtainsiders, refrigerated trailers, flat tops, drop decks, tipper trailers, low loaders, livestock trailers, car carriers, road trains and more.
Can I get a no-deposit trailer loan?
Yes. No-deposit trailer loans are available for eligible ABN holders with a clean credit history and solid trading record.
Can I borrow for a trailer from a private seller?
Yes. We arrange trailer loans for private purchases anywhere in Australia, with the lender paying the seller directly on settlement.
What term is available on a trailer loan?
Trailer loan terms typically range from 2 to 7 years. We'll recommend a term that suits your cash flow and the trailer's expected useful life.
Can I refinance an existing trailer loan?
Yes. Refinancing can reduce your monthly repayments or overall interest cost. We compare refinance rates across 80+ lenders.
What documents do I need for a trailer loan?
For low doc: ABN, driver's licence, bank statements. For full doc: plus BAS, tax returns and financials. The requirement depends on the loan amount and your business history.
How quickly can a trailer loan settle?
Most trailer loan applications receive a decision within 24–48 hours, with settlement in 2–5 business days.
Is insurance required for a trailer loan?
Yes. Most lenders require comprehensive insurance before releasing funds. We can assist in arranging cover.
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.
