Australia's #1 lowest rate truck finance.

As trusted truck finance brokers, we offer loans up to $10M with competitive fixed rates—whether you're buying one truck or a full fleet, our solutions are designed to support your business's growth.

Low doc truck loans (no financials) up to $500K.

98%

client success rate - simple approvals and fast funding.

70+

lenders and banks to compare with no impact on credit score.

Zero

in-house fees, hidden cost or upfront credit checks.

Save

time and money with our competitive rates and premium service.

find your best rate today

“Simon was great to deal with, he went out of his way to push through the finance on my truck which we purchased successfully. I'd highly recommend the services of him and his team!”

Martin H.

Simple, smart & fair—finance done right.

Want the best deal on low rate truck finance? We source the right loan with fixed interest rates, flexible terms, and affordable repayments—helping businesses, ABN holders and start-ups invest confidently.
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We'll guide you through the process, ensuring clear, transparent and reliable communication for a hassle-free experience, while managing everything from application to settlement—structuring your deal to meet lender criteria, arranging invoices with the seller, and supporting you with any post-settlement admin.

As a family-owned brokerage with over 30 years of experience, we'll always be honest about rates and will educate you on your loan, so you'll know what to expect—no surprises or hidden fees. We're here to support our clients for the long haul by matching you with the right lender who will secure the most competitive rate for every purchase.‍

New or used, big or small.

Get pre-approved at low rates on finance loans for prime movers, semi-trucks, tipper trucks, crane trucks, concrete trucks, tow trucks, dump trucks, service trucks, vacuum trucks, food trucks, truck & trailer combos, and more.

Whether you're buying your first, upgrading, or purchasing multiple assets, we’ve got you covered. We arrange financing for both new and used from dealerships, private sellers, or auctions.

Ready to get started? Give us a call or fill out our simple online form to compare your options.
We value your time—if we can’t assist, we’ll let you know straight away with no impact.
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Our commitment extends beyond assisting with a single business requirement or asset purchase; we’re here to be your partner for the long haul.

Supporting ABN holders and businesses across Australia.

Why choose us?

Free service with no upfront costs or hidden fees

Gain a dedicated licensed finance broker

30+ years experience and industry knowledge

Australian family-owned brokerage firm

We build trust by being honest and transparent

Our experts help you save time and money

We can beat bank, dealer and competitor quotes

Competitive rates, repayments & loan terms

Efficient approvals & fast settlements

90 day fixed pre-approvals: Shop with confidence

Credit score protection

Zero paperwork: We do all the hard work

New or used - no asset age restrictions

Purchase from a dealership, private seller or auction

Personalised service tailored to your specific needs

Expert and strategic negotiation approach

No wait times: Direct access to our team

Non-property owners accepted

Solutions for various credit profiles

Established, new and 1 day ABN holders

Balloon payment and early payout options

No deposit options

Tax benefits (asset depreciation)

Insurance solutions through our trusted network

Built a loyal client base due to our rates & service

Support for the lifetime of your business

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 soltuion 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 asset, 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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See how Overdrive delivers more.

Fast approvals & turnarounds.

Apply online or give us a call to see if you're eligible for pre-approval in just minutes. You can receive a formal finance approval within 24 hours, and for low doc applications, funds can be available within 48 hours. Please note, full doc applications may take additional time.

Loans from $20K up to $5M.

✔ Low-doc (no financials) up to $500K
✔ Full-doc from $500K-$5M
✔ No deposit options
✔ Balloon options to reduce monthly payments
✔ Early payout options
✔ No property as security

Credit score protection.

Before matching your application with a suitable lender, it undergoes a thorough, soft-touch evaluation of over 1,000 lender policies, all without impacting your credit score. Unlike other companies, we cover the cost of these evaluations, making us the better choice.

No paperwork or wait times.

We’ll handle all the hard work, providing you with a seamless and hassle-free experience. You won’t have to worry about long waits or excessive paperwork like you would when dealing with banks or other companies.

Tax effective solutions.

At Overdrive, our consultants are dedicated to understanding your unique business needs in order to negotiate tailored solutions that consider your tax obligations and cash flow requirements.

Low monthly repayments.

You can take advantage of comparing competitive interest rates, repayments, and flexible loan terms from our extensive network of over 65 trusted Australian banks and non-bank lenders.

Personalised approach.

We value our proactive and personalized approach, which is a key component of our service. We understand that every client and application has unique needs and requirements, and we are committed to providing them with the necessary support.

Guidance and support.

We are dedicated to offering full support and peace of mind throughout the entire loan process, from start to finish. Our main priority is to ensure our clients receive the highest level of service and assistance.

Great rates, better service.

We are focused on delivering the best rates in the market. We are committed to providing exceptional service and working diligently to help our clients achieve their long-term goals.

Sale & leaseback.

Leverage our sale & leaseback option to unlock capital from your existing assets! For instance, if you own your truck outright and it's valued at $50K, you can borrow the equivalent amount by using your truck as collateral.

Truck refinancing.

You can refinance your truck with us. If you're looking for a better interest rate, balloon refinance, or inexpensive payment terms, give our specialists a call, and we’ll take care of the rest to secure a better outcome for you.

Insurance solutions.

When needed, we can help you secure insurance. Through our network of trusted providers, we can connect you with experts who will guide you in insuring your truck.

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Truck finance in Australia FAQ's.

How long can you finance a truck?

The terms of truck loans can range anywhere from one to seven years.

What is a good monthly truck payment?

It's important that your truck loan payments fit your budget and that you have enough cash flow to cover your business expenses. The amount you need to repay depends on factors like the loan term, purchase price, and interest rate. When you turn to Overdrive Funding, our team will help you find the right loan term that matches your credit score and budget.

Is there a service fee?

No! We provide a completely transparent and honest finance and loan comparison service at no cost to you, with zero hidden fees.

You can have full confidence knowing you won’t be hit with unexpected service charges. We are paid by the lenders we partner with with an introduction fee—not by our clients. While some brokerage firms may operate differently and add surprise fees at settlement, that’s not how we do business.

What is the interest rate for truck finance and how do you determine my rate?

Our rates start as low as 5.80% but the interest rate for your truck finance loan is influenced by a range of factors, including your credit history, the loan amount, and the age and type of truck you are purchasing.

By working with a reputable truck finance broker such as Overdrive Funding, you can be confident that you will receive a tailored rate, repayments, and loan terms that are suited to your specific requirements and credit profile.

I have been quoted elsewhere, can you beat it?

Overdrive offers access to highly competitive truck finance interest rates, repayments, and loan terms in the market. We take great pride in being able to beat your current rate when given the opportunity.
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We will provide you with accurate and transparent feedback after assessing the truck you plan to purchase, your existing repayment structure, and the present position of your business. Our team at Overdrive is committed to ensuring your approval for a low interest rate solution. You can trust us to deliver on our promise.

If we can't match your interest rate, it indicates that you are already receiving an excellent rate for your truck purchase. In that case, we will advise you to accept the current offer without attempting to persuade you otherwise.

Can you organise insurance for my truck?

Certainly, we can assist you in securing truck insurance. Our network includes reputable truck insurance providers who can offer expert guidance on insuring your truck .

Do I need to buy my truck from a dealership?

Trucks can be financed through sources other than dealerships such as private sellers or auctions.
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Acquiring trucks from a private seller is a standard and routine part of our daily business operations. We will take care of the entire process on your behalf, working closely with the private seller and the financier to ensure a smooth transaction for your truck loan. We also handle the cost of inspections to ensure that the trailer has a clear title and that its value is in line with the market price.
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When it comes to buying a truck from an auction, we'll make sure to secure a pre-approval for you beforehand. This way, when the bidding starts, you can have full confidence in the amount you are approved for and secure your desired trailer without any hesitation.
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Contact our experts today, and we will take care of all the necessary steps to assist you in acquiring the truck you desire, ensuring a smooth and hassle-free experience as you hit the road.

What type of trucks do you finance?

We provide low rate financing for prime movers, concrete trucks, tipper trucks, dump trucks, pantech trucks, refrigerated trucks, curtainsiders, tow trucks, crane trucks, service/utility trucks, livestock trucks, car carriers, water trucks, vacuum trucks, hook lift and skip bin trucks., fuel trucks, tanker trucks, mining trucks, delivery trucks and more.