Truck Finance Sydney
Morella Finance helps Sydney 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 application and settlement paperwork so you can focus on the purchase.
Set your truck budget before you start shopping
Get pre-approved before you spend time inspecting trucks or negotiating a price. I'll help you establish a borrowing budget and compare repayments against your business cash flow, including the quieter weeks between jobs. Same day pre-approval is possible, depending on your circumstances and the lender.
Allow for fuel, servicing, tyres, insurance, registration, inspections and any repairs needed before the truck starts work. For deliveries around Wetherill Park or container work at Port Botany, include tolls and the cost of time spent waiting or travelling between jobs.
Tell me what the truck will do, how much you want to borrow and whether you're trading in another vehicle. I'll recommend a finance structure, such as a chattel mortgage, and explain the term, repayments and any final balloon payment before you commit.
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 arranges finance for new and used trucks bought for business use, including purchases by eligible ABN holders. You might need a lighter truck for local deliveries or a heavier vehicle for freight and construction work. Options depend on your business circumstances and the truck's age, condition and intended use.
Tray trucks for trade work, deliveries and carrying materials.
Tipper trucks for earthmoving, landscaping and construction jobs.
Refrigerated trucks for chilled and frozen deliveries.
Pantech and curtain-sided trucks for furniture, pallets and general freight.
Prime movers for heavier transport work.
Refinancing an existing business truck loan.
If the purchase includes a fitted body or other equipment, send me the full quote. I'll check what the lender can include so you're working from the total cost of getting the truck ready.
Buying from a dealer in Sydney
Huntingwood and Wetherill Park are useful areas to start looking, with truck sales premises clustered around Huntingwood Drive and Decker Place, and around Newton Road and Kellaway Place. Compare trucks against the load you need to carry, the body setup and the work they'll actually do.
Once you've chosen a truck, send me its details and the dealer invoice. I deal directly with the dealer on the finance paperwork and settlement, including confirming the payment details and any documents the lender needs.
If the truck needs a body fitted before delivery, let me know the expected completion date. That helps me coordinate the finance with the dealer's handover arrangements.
Buying a truck privately
I handle the private sale finance paperwork and seller contact once you've found a truck you want to buy.
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.
New South Wales rules and paperwork
For a truck already registered in NSW, you must transfer the registration within 14 days of purchase. You'll need to attend a Service NSW Centre if the truck exceeds 4.5 tonnes Gross Vehicle Mass, or if you're buying on behalf of an organisation or business. Keep the purchase documents ready, including proof that you're entitled to transfer the registration.
NSW motor vehicle duty generally applies when a new vehicle is first registered or an existing registration changes hands. For a used truck, duty is based on the purchase price or market value, whichever is higher. Include this in your purchase budget rather than treating the advertised truck price as your total outlay.
Most heavy vehicles need an inspection for registration renewal. Your renewal notice tells you which inspection is required, with heavy vehicle inspections carried out through HVAIS or HVIS as applicable. HVAIS reports are valid for 42 days and HVIS reports for three months, so check the inspection timing before arranging renewal. A lender's purchase inspection serves a different purpose and should not be assumed to satisfy registration requirements.
One broker from enquiry to settlement
You'll speak with me throughout the application, document signing and settlement. You won't have to explain your purchase again to someone new when it's time to pay the seller. I work with a large panel of lenders, including specialist lenders, and compare suitable options for your business and truck.
Low-doc options are available for eligible self-employed buyers. Tell me how your business operates and I'll explain the information needed for the options available to you.
Morella Finance is based on the Gold Coast and works with Sydney clients by phone and email. Call 07 2145 8323, Monday to Saturday, 8am to 6pm AEST, to discuss your truck purchase or request a free quote. Asking for a quote doesn't affect your credit file.
FAQs
Yes, eligible used trucks can be financed through a private sale. I contact the seller, check ownership documents, run a PPSR search and arrange the finance paperwork and settlement.
If the truck exceeds 4.5 tonnes GVM, you must transfer it at a Service NSW Centre. An in-person transfer is also required when you've bought on behalf of an organisation or business, and the transfer must be completed within 14 days.
Check the renewal notice for the required inspection scheme. Most heavy vehicles need an inspection, and the report validity period differs between HVAIS and HVIS.
No deposit options are available, subject to lender approval and your circumstances. I'll check whether they're suitable and explain what you need to allow for at settlement.
Yes, you can seek pre-approval before visiting dealers or inspecting a private sale truck. Once you find one, I check it against the lender's requirements and confirm the remaining steps before settlement.