Compare Truck Finance Interest Rates

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Best Rates for Tuesday, 28 May

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*The Interest Rate is calculated on a Secured Loan for business use, effective 28/05/24 and subject to change. WARNING: The interest rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different interest rate.

Compare Truck Finance Interest Rates

Best truck loans from jade

Working with Jade makes finding the best heavy vehicle loan a breeze. If you need a new or used heavy vehicle for business, then using Jade should be your first call. Our specialist team of lending specialists have done the hard work and sourced some of the best loans in Australia from leading banks and lenders.

A truck purchases a significant investment for any business, and getting the right loan can save you thousands each year. If you're looking for a new or used truck, our expert team can find a loan suited to your business.

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Truck Loan Rates

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Truck Financing Options

Interest rates are a key component of any loan. Finance with fixed interest rates is an excellent choice for many businesses, as it keeps your costs the same each month, which makes financial planning easier. As you're paying off a loan for several years, you’ll need a loan that works for your business. At Jade, we'll work with you to find a lending package that gives you a competitive interest rate and delivers the required services.

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Truck finance experts

At Jade, we understand you're busy and don't have the time to sort through all the loans on offer. Let our professional loan specialist take care of the hard work, and we'll send you the best loan available from more than sixty plus lenders. Jade can choose the lender, and you can focus on the truck purchase. Get started today and send your details to our team, and we'll get started sourcing a loan that works for your business.

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What is the best truck loan option?

There are an incredible amount of loans in the market, and sorting through them can take a lot of time. When you use Jade for business, you can choose the loan terms, and we'll show you the repayment schedule. Then you can choose which lender has the best offer.

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This calculator is solely for illustrative purposes and is intended as a guide. It relies on the information you provide and should not be considered a quote or a pre-qualification. The interest rate offered to you may vary from the one shown here, depending on your individual circumstances. Repayment figures do not account for any lender fees and charges.
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Secure a business loan for trucks with Jade

Let Jade work as your loan broker, and we'll uncover the best loan suited to your business from more than sixty lenders. Our loan specialists have examined hundreds of loan products from our lenders, and we understand the needs of business owners looking for truck finance.

When you contact our team, you are assigned to a loan specialist with experience in heavy vehicle and business loans. With many years of experience handling loans of all types, you can be sure you'll get the service you deserve. Let the Jade team help you secure the best loan possible.

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Types of Truck Loans

Business owners have many options for finance, including hire purchase agreements, chattel mortgages, rentals, and equipment leases. When you talk to your Jade about your business, we can make a recommendation for the finance option that is the most suitable.

Hire Purchase Agreement - CHP or HP

If you have a hire purchase agreement, you make repayments on a heavy vehicle that is borrowed from the lender. The lender retains the ownership until the end of the agreed term, which is then passed to you. The flexibility in your loan depends on the lender and what they offer. Maintenance and servicing can be included as part of the deal with some hire purchase agreements.

Equipment Lease

An equipment lease is when you'd prefer to lease a truck instead of purchasing it. An equipment lease is ideal when your business prefers to just show the expense on the Profit ∓ Loss, and not on the balance sheet. It is not so common in Australia to use a lease to purchase.

Chattel Mortgage

A chattel mortgage is similar to how most secured loans will work. After the loan is approved and the contracts are signed, the truck becomes your property, and you're responsible for all maintenance and insurance costs. The lender will hold the truck as security on loan, which means they can take possession if you default on the loan.

As the truck owner, you can make changes to the truck, and you're free to choose where and when it is serviced.

Chattel Mortgage is one of the more popular choices on the Australian market and tends to provide better taxation terms. Please note all taxation should be discussed with your accountant.

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Compare Truck Finance

Jade Finance handles every loan individually, please feel free to contact us via email
or phone on 1300 000 008 to direct your specific issues to our consultants.

What's the best interest rate on a used truck? FAQ Arrow

At Jade, we are determined to get the best interest deals on truck loans. We have many years of experience in commercial finance and have contacts with many lenders. We use our experience to secure the best loans for our customers and businesses.

What is the truck loans rate?  FAQ Arrow

Many variables are considered when a lender sets an interest rate for a loan. You may find the interest rate you're offered differs from the advertised interest rate. Age of your ABN, age and type of truck can effect your rate. With financials or tax returns may provide you a better low interest rate. When you use Jade to get a loan quote, we'll send you the interest rate on offer, and you can decide whether to accept it. All our loan offers are obligation free.

Which bank has the best Truck Finance Rates? FAQ Arrow

Banks will often change their interest rates, so it can take time to determine which has the best rates available. Comparing truck finance options using Jade will clearly show which lender offers the best interest rates for your financial situation. When you need a truck loan, there are many available options, such as a commercial hire purchase, chattel mortgage, finance lease, and using a balloon payment. Your finance specialist can discuss these with you to help us determine which lender best suits you.

How long does a truck loan rate quote take?  FAQ Arrow

After we have all the information required, we can send you a loan offer same day. If your loan is more complex, it may take a little longer. When your chosen lender approves your application, you'll receive the loan contract in less than a day in most cases.

What is the best loan term? FAQ Arrow

A short loan term will mean you pay less interest but more on your monthly repayments. Whereas an extended loan term will reduce your monthly repayments, you'll pay more interest throughout the loan. Finding a happy medium between these two facts will help guide you to the ideal loan term. Your loan specialist can assist in deciding which loan term is best for you.

Do I have to buy from a truck dealer?   FAQ Arrow

No, you can buy a from a dealer or in a private sale. Your lender may have specific requirements, such as ensuring the ownership is transferred, and the appropriate insurance is obtained.

Is there a fee if I decide not to go ahead? FAQ Arrow

No, we do not charge fees to provide you with a truck finance quote. If you decide not to go ahead with our suggested loan, there is nothing to pay. All our services are offered to you free of charge.

What is the process of getting business truck finance?  FAQ Arrow

The first stage of getting a loan approved is to send Jade a request for a finance quote. Then a truck finance specialist is assigned to you, and they'll contact you ASAP to get more information about what you need.

After we receive your information, our speciaist will suggest a loan product from one of our lenders, and they'll send the details to you. Once you receive the loan offer, you can complete the application. Our loan specialist can assist you with the application if required.

Once your application is sent to the lender, some reponses are very quick same day, sopme may take upto 48hours. You'll need to sign and return the loan contract to your lender if they approve your application. After you sign and return the documents, the funds should be in your nominated account within 24 hours.

If your loan application is complex, your lender may require additional time to access or approve your application.

Can you help with a commercial truck loan?  FAQ Arrow

Yes, Jade can source a business car loan. If you need a car or truck for your business, using our services will ensure you get a loan with an excellent rate. Talk to your Jade loan consultant today.

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