5.0 from 12 Reviews
Whether you are running a single prime mover or managing a growing fleet, getting the right truck loan in place can make a real difference to your business. At Garage Finance, we work with clients across Australia to find commercial truck financing that suits their situation, their cash flow, and their goals. We are not here to push you toward a product that does not fit. We are here to find one that does.
Why a Truck Loan Matters
A truck is not just a vehicle. It is a working asset that generates income, and the way you finance it has a direct impact on your bottom line. The interest rate you lock in, the loan term you choose, and the structure of your monthly repayments all affect how much the truck actually costs you over time. That is why it pays to have someone in your corner who understands commercial truck financing from the ground up.
At Garage Finance, we take the time to understand your business before we start looking at lenders. We look at your cash flow, your existing commitments, and what you are trying to achieve so we can help you maximise your borrowing capacity without overextending yourself.
What We Can Help You Finance
Garage Finance works across a wide range of truck and trailer types. Whether you need prime mover finance, tipper finance, crane truck finance, or rigid truck finance, we can help you find a loan that fits. We also work with clients looking at B-double finance and road train finance, which require a different approach given the size and cost of those assets.
Beyond the big rigs, we also help with financing for Tip Trucks, Crane Trucks, Livestock Trucks, Water Trucks, Pantec Trucks, Concrete Trucks, and Vacuum Trucks. If it works on a road and earns its keep, we can likely help you finance it. We also assist with used truck loans and used trailer loans, so you do not need to buy new to access solid truck finance rates.
If you are thinking about equipment finance for attachments or ancillary gear that goes with your truck, we can look at that too as part of a broader finance conversation.
New, Used, Electric, and Hybrid
The trucking industry is changing. More operators are looking at electric truck and hybrid truck options as fuel costs rise and emissions standards tighten. Garage Finance keeps up with these shifts so we can help you finance the right vehicle for where your business is heading, not just where it has been. Whether you are buying from a dealership, a private seller, or through dealer financing, we can work with your situation.
We also understand truck depreciation and how it affects the structure of a secured truck loan. Getting the loan term right relative to the asset's working life is something we pay close attention to, because it protects you financially over the long run.
Flexible Options to Suit Your Business
Not every operator has a big deposit sitting in the bank. That is why Garage Finance looks at no deposit options where they are available and appropriate for your circumstances. We also look at minimal paperwork solutions for eligible borrowers, which can speed things up when you need to move quickly on a purchase.
If you already have a truck loan in place and the terms are not working for you, truck refinancing is worth exploring. A change in your financial position or a shift in truck finance rates in the market could mean there is a better structure available to you now. We can review what you have and give you an honest read on whether refinancing makes sense.
For businesses running multiple vehicles, fleet financing is another area where Garage Finance can add real value. Managing multiple loans across different lenders is a headache. We can help consolidate and structure commercial loans in a way that is cleaner and more manageable for your business.
Why Choose Garage Finance
Garage Finance was built around a genuine passion for vehicles and a commitment to doing right by clients. Ben talks to you like a mate who knows finance, not like a salesperson working through a script. We work with a broad panel of lenders to find competitive rates on truck loans, and we are upfront about what is available and what is not.
We help clients with asset finance across a range of industries, and truck and trailer loans are one of our core strengths. If you are in the market for a truck loan, a used trailer loan, or you want to explore your options around truck refinancing or fleet financing, reach out to Garage Finance and let us have a proper conversation about what works for you.
Step 1: Initial Conversation
We start with a chat. Whether you reach out by phone, email, or through our website, we take the time to understand what you are looking for. There are no silly questions here. We want to know your goals, your timeline, and what matters most to you.
Step 2: Understanding Your Situation
Next, we take a closer look at your financial position. This includes your income, expenses, assets, and liabilities. The more we understand about your situation, the better we can match you with the right finance solution.
Step 3: Exploring Your Options
With access to a wide panel of lenders across Australia, we do the legwork for you. We compare products, rates, and terms to find options that suit your needs and your budget. We present these to you clearly so you can make an informed decision.
Step 4: Choosing the Right Solution
Once you have reviewed your options, we help you choose the product that makes the most sense for you. We walk you through the details so you know exactly what you are signing up for.
Step 5: Preparing and Submitting Your Application
We handle the paperwork. Our team prepares your application carefully and submits it to the chosen lender on your behalf. We make sure everything is in order to give your application the best possible chance of approval.
Step 6: Approval and Confirmation
Once your application is assessed, we keep you updated every step of the way. When approval comes through, we go over the final terms with you and confirm you are happy before anything is signed.
Step 7: Settlement and Beyond
With everything approved and signed, we manage the settlement process through to completion. But our relationship does not end there. We are here for your future finance needs too, whether that is a review, a refinance, or something new down the track.
I had such a great experience working with Ben and couldn’t recommend him more. From the beginning, Ben made the finance process feel clear and straightforward, always taking the time to explain things and answer any questions I had. Ben was super approachable and incredibly supportive through the whole process. Couldn’t have asked for a better finance broker! Thanks heaps, Ben!!!
Azizah Abdul
Was doom scrolling on TikTok and came across Ben’s page! I was in the market for a new raptor for work- I reached out to Ben and within 4 days Ben turned it around and got it sorted. Super happy with the service and communication skills of Ben! I’ll be back for my next car for sure!
Ash Fleming
I had a great experience working with Ben. He was professional, responsive and took time to explain everything clearly throughout the entire process. He worked hard to find me a competitive finance option and kept me updated every step of the way. Nothing ever felt like too much trouble, and I really appreciated his honesty and communication. I highly recommend him to anyone looking for a reliable and trustworthy broker. Thanks again for all your help Ben appreciate it a lot
Nima Goozal
Ben was an absolute pleasure to deal with! He made the whole car loan process easy, kept me updated every step of the way, and was always happy to help. Thanks so much, I really appreciate everything you did!
Jen Arks
Garage Finance works with operators across Australia to find truck and trailer loans that fit the way you work. Book an appointment and let us find the right commercial truck financing for your business.
Book AppointmentGarage Finance works with clients right across Australia, whether you are an individual looking to purchase a personal vehicle, a sole trader needing equipment for your business, or a company looking to grow your fleet. We work with a wide range of people in different financial situations. While we cannot guarantee that every application will be approved, we take the time to understand your circumstances before submitting anything to a lender. That way, we are putting your application forward in the strongest possible way. If you are unsure whether you qualify, the best thing to do is reach out to us for a chat and we can talk through your options together.
The timeline can vary depending on the lender, the type of finance, and how quickly we can gather the information needed from you. In many cases, once we have everything we need, we can submit your application to a lender and receive a response within a business day or two. More complex applications, such as those involving self-employed income or commercial assets, may take a little longer. The key to keeping things moving is making sure we have all your supporting documents ready to go. We will let you know exactly what we need upfront so there are no unnecessary delays. Throughout the process, we keep you updated so you always know where things stand.
Garage Finance specialises in vehicle and asset finance. This can include finance for cars, utes, trucks, motorbikes, caravans, boats, trailers, and business equipment. Whether you are buying new or used, through a dealership or privately, we can look at what options may be available to you. We also assist with business-related finance such as chattel mortgages, commercial hire purchase, and finance leases, depending on what suits your situation. Because every person and every purchase is different, we take the time to talk through what you are buying and why, so we can approach the right lenders with the right type of finance product for your needs.
The documents required will depend on your individual situation and the type of finance you are applying for. For most personal vehicle finance applications, you will typically need to provide proof of identity such as a drivers licence, proof of income such as recent payslips or bank statements, and details about the asset you are purchasing. If you are applying for business finance, we may also need things like business financial statements, tax returns, or an ABN. We will give you a clear list of what is needed once we understand your situation, so you are not left guessing. Gathering these documents early can help speed things along considerably.
This is a question we get asked a lot, and it is a fair one. As a finance broker, Garage Finance is typically paid a commission by the lender when a loan is settled. This means that in many cases, there is no direct fee charged to you as the client for our broking service. However, depending on your individual situation, fees may apply, and we will always be upfront and transparent about any costs before you commit to anything. We believe you should have a clear picture of what you are agreeing to before signing anything. If you have questions about costs, just ask us and we will walk you through it honestly.
Absolutely. Protecting your personal and financial information is something we take seriously. Garage Finance handles your data in accordance with Australian privacy laws, including the Privacy Act 1988. We only share your information with lenders and third parties where it is necessary to process your application, and we do so with your knowledge and consent. We do not sell your information or share it for marketing purposes without your permission. If you have any questions about how we collect, store, or use your information, you are welcome to ask us directly or request a copy of our privacy policy. We want you to feel confident that your information is in safe hands.
When you go directly to your bank, you are only seeing what that one lender has to offer. Garage Finance has access to a panel of lenders, which means we can approach multiple lenders on your behalf and compare what they are willing to offer. This saves you time and means you are not limited to a single set of products or policies. Banks also tend to have rigid criteria, and if your situation does not fit neatly into their box, you may be declined without much explanation. As a broker, we understand how different lenders assess applications, and we can help present your situation in a way that gives you a stronger chance of a positive outcome.
Garage Finance is a finance broker based in Australia. That means we work as the go-between connecting you with lenders who may be able to help fund your next vehicle, equipment, or asset purchase. Rather than you spending hours calling banks and lenders on your own, we do that legwork for you. We look at your situation, talk through what you are trying to achieve, and then approach lenders from our panel to find options that suit your needs. We handle the paperwork, the back-and-forth with lenders, and keep you informed along the way. Our goal is to make the whole process feel manageable and straightforward for you.
Getting started is straightforward. You can reach out to us by phone, email, or through our website, whichever suits you. One of our team members will have an initial conversation with you to understand what you are looking to purchase and what your situation looks like. From there, we will let you know what documents we need and begin looking at which lenders on our panel may be a good fit for you. There is no pressure and no obligation in having that first conversation. We are here to give you the information you need to make an informed decision, and we will support you through every step of the process from start to settlement.
Having credit issues in your history does not automatically mean you cannot access finance. Different lenders have different policies, and some are more willing than others to work with applicants who have had defaults, missed payments, or other credit challenges in the past. At Garage Finance, we take the time to understand your full situation before approaching any lender. We will be honest with you about what we think is realistic based on your circumstances. We do not want to waste your time or damage your credit file by submitting applications that are unlikely to succeed. Our job is to find a path that makes sense for where you are right now.