Truck Finance Brisbane
Morella Finance helps Brisbane buyers arrange truck finance from $10,000, for dealer purchases and private sales. Whether you're replacing a work truck or adding capacity to your business, I handle the lender enquiries, finance paperwork and settlement.
Set your budget before you start shopping
Getting pre-approved before you visit truck yards gives you a clearer budget and helps you act when you find the right truck. Tell me what your business does, how you'll use the truck and what repayment would leave enough room for day-to-day expenses. Same day pre-approval is possible, depending on your circumstances and the lender.
Allow for fuel, tyres, servicing, registration, insurance and any tolls on your regular runs. A truck doing deliveries around Rocklea and Acacia Ridge may have different operating costs from one hauling freight to the Port of Brisbane. Leave room for repairs and time off the road, particularly when buying used.
I'll compare options across a large panel of lenders, including specialist lenders, and recommend a finance structure such as a chattel mortgage for your business purchase. We can discuss the deposit, loan term and whether a final balloon payment suits your cash flow. No deposit options are available, subject to approval, and I'll explain any amount due at the end before you decide.
Commercial Finance Repayment Calculator
Estimate your repayments. Adjust the sliders to match your situation.
Monthly repayment
$1,409
per month
Weekly
$325
Total repayment
$67,637
Estimates only. Your actual rate depends on your profile and lender. Get a real comparison.
Get my quoteAbout the starting rate
6.00% p.a. is a starting point for estimating repayments only. It is not a quote, not an offer of finance, and not a rate available to every applicant. Your actual rate depends on the lender, the asset, the loan term, the loan amount and your circumstances. Adjust to model scenarios.
What you can finance
Morella Finance can help ABN holders finance new and used trucks for business use, whether you're buying your first work vehicle or expanding an existing fleet. Send me the truck's age, price, kilometres and intended use so I can check which options suit the purchase.
Light trucks for trade work and local deliveries
Tray trucks and flatbeds for materials and equipment
Tippers for construction and landscaping work
Pantech and refrigerated trucks for goods transport
Prime movers for freight work
Refinancing an existing business truck loan
Buying from a dealer in Brisbane
Brisbane's truck buying areas include Rocklea and Darra along Ipswich Road, with further truck sales around Archerfield. Getting your budget sorted first makes it easier to compare vehicles across these areas and focus on the specifications your work needs.
Once you've chosen a truck, send me its details and the dealer invoice. I'll deal with the dealer on the finance paperwork and settlement, including confirming the vehicle details required by the lender. You can concentrate on checking the truck's condition, service history, payload and suitability for your jobs.
If the truck needs a particular body or fitted equipment, send through the full quote before you commit. I'll check what the lender can include so you know whether anything needs to be paid separately.
Buying a truck privately
If you've found a truck through a private seller in Brisbane, I handle the finance documents and settlement steps.
Get pre-approved, then go and look at the truck.
Once you've inspected it and agreed on a price, send me the seller's details.
I contact the seller for ownership documents and run a PPSR search to check whether money is owed on the truck.
If the lender requires an inspection, I arrange it. Occasionally a valuation is needed too.
I prepare a private sale invoice for you and the seller to sign.
The lender pays the seller directly. Any existing finance is paid out at settlement.
Once the funds clear, you collect the truck.
Money owing on the truck isn't automatically a deal breaker. It is paid out at settlement so you receive clear ownership.
Queensland truck rules and paperwork
When buying a Queensland-registered used truck, you must finalise the registration transfer within 14 days. If you're registering it to a company or another organisation, Queensland's online registration transfer service is not available to organisations. Plan to lodge the signed transfer application in person with the required identity and organisation documents.
The inspection paperwork depends on the truck's gross vehicle mass, or GVM. A registered light truck up to 4.5 tonnes generally needs a current Queensland safety certificate for transfer, unless an exemption applies. Trucks over 4.5 tonnes come under the certificate of inspection requirements, so check the current certificate and expiry date before buying. A safety certificate checks basic safety standards and does not replace a comprehensive mechanical inspection.
The buyer pays the registration transfer fee and any applicable vehicle registration duty. For a used truck, duty is calculated on the higher of the total sale price, including GST where applicable, or its market value. Allow for these costs when setting your budget, even if you've negotiated a lower purchase price.
One broker from enquiry to settlement
You'll speak with me throughout the loan. If the lender needs more information or the seller has a question about settlement, I follow it up and keep you informed.
Low-doc options are available for eligible self-employed buyers. I'll check your eligibility and explain the documents the lender needs for your circumstances, including whether the truck's age and use affect the available options.
Morella Finance is based on the Gold Coast and works with Brisbane clients by phone and email. Call 07 2145 8323, Monday to Saturday, 8am to 6pm AEST, to discuss your purchase and get a free quote. Asking for a quote doesn't affect your credit file.
FAQs
Yes, subject to the truck and your business meeting the lender's requirements. I arrange the ownership checks, private sale invoice and lender settlement with the seller.
The requirement depends on its GVM and vehicle category. Light trucks up to 4.5 tonnes generally use a safety certificate for transfer, while trucks over 4.5 tonnes fall under certificate of inspection requirements.
Queensland's online registration transfer service is not available to organisations. You'll need to lodge the transfer in person with the signed application and required documents.
No deposit options are available, subject to lender approval. I'll check what suits your business and explain any purchase costs you may still need to cover.
Yes, Morella Finance can help you explore refinancing an existing truck loan. I'll compare the proposed repayments and remaining term with your current arrangement, including any payout costs and final balloon payment.