Cheap Truck Finance In Melbourne
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Apply For A Truck Loan
Informed Asset Finance Australia has all the lenders under one roof. This means that we are able to source the most competitive deal for you from our panel & utilise our specialist knowledge to make the whole process easier. If you have been declined by your bank then we can assist with lenders that want your business! Check out our rates & give us a call for a friendly, no-obligation chat.
Current Truck Loan Rates
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Rate for Consumer Purchase
from 4.73%
comparison 6.96%*
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Rate for Dealer Purchase
from 2.85%
comparison 4.43%*
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Rate for Business Vehicles
from 2.85%
comparison 4.43%*
You don’t have to be a professional to obtain a truck loan. Many online lenders offer this type of financing for business owners. There are several reasons why truck loans require a good credit score. In addition to the financial risk the business entails, a good credit score can help secure a better interest rate. Lenders generally place a higher value on commercial vehicles compared to private automobiles, and the down payment for a semi-truck will be higher.
Get Cheap Truck Financing In Melbourne
Credit scores are based on three factors. Your payment history is a major factor, as is the amount you owe on existing credit. The number of recent credit accounts is also important. Lenders also consider the type of loans you have, so it’s important to have a high score. Lenders may offer lower interest rates to applicants with good credit. When negotiating with a lender, a larger down payment will mean better terms and lower monthly payments, but you should avoid overextending yourself and your financial resources.
Commercial truck loans can eat up a considerable amount of working capital, so leasing your new vehicle can free up funding. Leases are typically less expensive upfront, with smaller monthly payments. If you’re in the market for a new truck, be sure to ask about the interest rate on the type of truck you’re considering. Some trucks have longer shelf lives than others, so they may require more frequent repairs.
Get Your Truck Loan Today
Commercial truck financing can be difficult to get from a traditional bank. Although some national banks may provide financing, their requirements are typically more stringent. Many businesses find success with online lenders. Commercial truck financing with online lenders can be more affordable than traditional bank loans. Speak to our truck loan experts at IAFA to get started on your loan!
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