Australia's #1 lowest rate truck finance solutions.

Get the best deal on truck finance, loans and leasing options at low rates, affordable repayments, and flexible terms tailored to fuel your business growth.

Borrow from $20,000 up to $5,000,000. No financials required for ABN holders up to $500,000.

95%
success rate - simple approvals and fast funding.
65+
lenders to compare with zero impact on credit score.
FREE
service with no in-house fees, upfront or hidden costs - ever!
30%
increase in savings when choosing us as your broker.
We will beat competitor quotes!
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Excellent 4.9 out of 5
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“Simon and his team are great to work with very professional & happy to recommend to anyone. Overdrive found a great product & rates for my new truck & trailers.”

Tobie Powe, Director, Mulch Management Organics

Australia's leading truck, trailer, machinery, equipment and business vehicle finance provider.
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Looking for cheap rates on truck finance? We assist ABN holders—including sole traders, tradies, self-employed individuals, companies, partnerships, and trusts—secure the best deal in the market.

Partnering with us means having a dedicated broker who will work hard to secure the best rates and keep you informed throughout the entire process—from application to approval, coordinating with the seller, and managing any post-settlement admin. You can always count on us to pick up the phone, never having to wait for an answer. With over 30 years of machinery finance experience, we’re known for transparency and a smooth, hassle-free experience. Our focus is on building trust and strengthen your business through every phase of its growth.

No matter your situation, we offer a range of commercial solutions—including chattel mortgages, leases, rent-to-own, hire purchase, and sale & leaseback—designed to give your business the flexibility it needs to succeed. Our promise is to deliver clear, true effective rates and full disclosure of lender conditions upfront, ensuring you understand your loan. With our team behind you, you can make confident decisions and never need to look elsewhere—your business is supported under one roof, for life.

If you're purchasing your first truck or upgrading, we've got you covered. We can arrange financing for any new or used trucks, whether it's from a dealership, private seller, or auction.

Lock in todays lowest rate for trucks, including prime movers, semi-trucks, tippers, crane trucks, concrete trucks, tow trucks, dump trucks, service trucks, food trucks, vacuum trucks, truck & trailer combos, and everything in-between.

Ready to get started? Give us a call or fill out our simple online form to compare your options. Your time matters— if we’re not able to help, we’ll be upfront and let you know right away, with no impact on your credit score.
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Same day approvals are easy, but smart solutions come from taking the time to understand your business. We focus on direct 1-on-1 negotiations with lenders to secure the lowest rate, rather than rushing applications for a quick response, which often results in higher rates and multiple credit checks — a common practice we avoid. Our standard negotiation to approval time is 24-72 hours, ensuring an unbeatable result.
speak to our experts

We finance all kinds of trucks.

Prime mover & semi trucks

Concrete pump, mixer and agitator trucks

Tipper trucks

Mobile crane trucks

Hydrovac (vacuum & pump) trucks

Pantech trucks

Tow trucks

Livestock trucks

Box trucks

Car carriers

Cab chassis

Refrigerated trucks

Water trucks

Food trucks

Dump trucks

Delivery trucks

Removal trucks

Service trucks

Brands we finance everyday.

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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 individuals 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
Access to 65+ banks & non-bank lenders
Competitive rates, repayments & loan terms
Same-day 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

Get a quick quote!

Fill in our simple form below for a free no-obligation quote. Quotes will have zero impact on your credit score*
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Our simple loan process.

01
Get A Free Quote
Receive a complimentary comparison quote by completing our short online form or giving us a call to discover the wide range of affordable truck financing options at your disposal for you and your business.
02
Conditional Approval
We will conduct a credit profile evaluation that will not leave any imprints in order to find the most suitable lender for your truck loan and obtain a quick pre-approval. You can shop and enquire with confidence, or if you've already found your asset, we'll initiate the settlement process.
03
Sign Documents
After we receive confirmation of the settlement, we will thoroughly review your loan terms and repayment options to make sure they meet your needs and preferences. Once the contract is ready, it will be sent to you for your review and signature.
04
Get Funded
Once the funds are ready to go, we will make sure to contact you and extend our best wishes on your successful purchase. Afterward, you will be able to proceed with collecting your truck at your convenience.

Truck finance made easy.

Fast approvals & turnarounds.

Apply online or give us a call to find out if you're eligible for a pre-approval in just minutes. Obtain a formal truck finance approval within 24 hours. For low doc applications you can receive funds within 48 hours.

Loans from $20K up to $5M.

✔ No-doc & low-doc truck finance (no financials) up to $500,000
✔ Full-doc truck finance applications up to $5M
✔ No deposit truck finance options
✔ Balloon options to reduce payments
✔ Early payout options
✔ Security is only taken on the asset

Credit score protection.

Before your online application is matched with a suitable lender, it undergoes a thorough, soft touch evaluation of over 1,000 lender policies. This evaluation is done without leaving any imprint, ensuring that your credit score remains protected. *Evaluations are covered by us.

No paperwork or wait times.

We'll handle every step required, ensuring a smooth and hassle-free process for you. No need to stress about long waiting times or excessive paperwork from the banks or other organizations.

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, cash flow requirements, and overall business goals.

Low monthly repayments.

You have the advantage of being able to compare competitive truck finance rates, repayments and flexible loan terms through our extensive network of over 60 trusted Australian banks and non-bank lenders.

Personalised service.

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 committed to providing comprehensive support and peace of mind throughout the entire truck loan process, from start to finish. Our primary focus is ensuring that our clients receive the highest level of service and assistance, both during and after settlement.

Come for rates -
Stay for service.

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

Sale & leaseback solution.

Take advantage of our sale & leaseback to raise capital against your current assets! For example, you can borrow the value of your truck if you own it outright. If your truck is valued at $50K, you have the option to secure a loan for the same amount using your truck as security.

Truck refinancing.

You can refinance your truck through Overdrive Funding. In the event that you desire a better interest rate on your loan, a balloon refinance, or payment terms, give our specialists a call, and we will handle the rest to get you a better outcome.

Insurance solutions.

When needed, we can assist you in securing truck insurance. Our network includes reputable truck insurance providers who can offer expert guidance on insuring your truck.
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We’ve supported thousands of business owners across Australia.

The success of our loyal long-term client base reflects our competitive solutions, extensive industry expertise, and exceptional customer service.

Truck finance in Australia FAQ's.

Can you finance used trucks?
How long can you finance a truck?
What is a good monthly truck payment?
Is there a service fee?
What type of trucks do you finance?
How long does it take for my truck finance to be approved?
I have been quoted elsewhere, can you beat it?
How can I get finance for a truck?
What is the interest rate for truck finance?
Why should I use Overdrive for my truck finance?
How do I apply for truck finance and what do I need?
I don't have a deposit, can I still apply?
Can you organise insurance for my truck?
Do I need to buy my truck from a dealership?

Access to over 65+ banks & lenders!

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