BUSINESS LENDING HUB

Can I Get Finance for a Mobile Crushing Plant in Australia?

Can Mobile Crushing Plants Be Financed in Australia?

Yes — mobile crushing plants are financeable assets under standard equipment finance guidelines. These units are widely used in quarrying, civil works, road construction, and mining, and are seen by lenders as critical operational machinery with strong resale value.

Common types that can be financed include:

  • Jaw crushers

  • Cone crushers

  • Impact crushers

  • Portable screening units

  • Multi-stage crushing systems

Both new and used mobile plants can qualify for funding.

How Much Does a Mobile Crusher Cost?

The cost depends on the plant size, crushing capacity (TPH), brand, number of stages, and transportability.

  • Compact tracked jaw crushers: $150,000 – $250,000

  • Full mobile crushing systems: $250,000 – $500,000+

  • Advanced high-capacity mobile crushers: $500,000 – $1,000,000+

Due to the high price point, many plants will fall into full-doc finance territory — especially those over $250k.

Can I Use Low Doc Equipment Finance?

Yes — if your mobile crushing plant is under $250,000, and you're an established ABN holder, you may qualify for low doc finance with:

  • 12+ months ABN

  • GST registration

  • Good bank statements

  • No defaults or adverse history

Above $250k, you’ll usually need to provide financials, BAS or accountant-declared income.

Can Used Mobile Crushing Plants Be Financed?

Yes, if they’re in good condition and not too old. Lenders typically prefer:

  • Less than 10 years old

  • Dealer or reputable private seller

  • Inspection photos or reports

Crushers from brands like Metso, Terex, Striker, Sandvik, and McCloskey hold their value and are financeable when purchased second-hand.

Finance Options Available

  • Chattel Mortgage: Most popular choice, with asset owned from day one

  • Commercial Hire Purchase: Flexible structure and tax-effective

  • Lease: Ideal for certain tax or accounting structures

Terms typically range from 3–5 years, with optional balloon payments.

What Types of Businesses Use These Plants?

  • Civil contractors

  • Quarry operators

  • Earthmoving and excavation businesses

  • Demolition specialists

  • Construction material recyclers

If the crusher is being used in core operations, it’s usually viewed as essential and has high approval potential.

How Long Does Finance Approval Take?

  • Low doc (under $250k): 24–48 hours

  • Full doc or higher values: 3–5 business days depending on complexity

Approvals may be faster if the asset is from a dealer and clear documentation is supplied.

Need Finance for Your Mobile Crusher?

Whether you're upgrading your fleet or landing a new job requiring mobile crushing on site, we can help you fund the equipment.

👉 Check your eligibility in under 20 seconds

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DISCLAIMER

The information provided on this website is general in nature only and has been prepared without considering your financial needs, circumstances and objectives and should NOT be construed as financial, taxation or legal advice. For more information, get in touch with our experienced partner brokers today.

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All Your Questions Answered

What is a car loan and how does it work?

A car loan is a finance product where a lender provides funds for you to purchase a vehicle, which you repay over time with interest.

What’s the difference between secured and unsecured car loans?

Secured loans use the car as collateral, often leading to lower interest rates. Unsecured loans don’t, but usually have higher rates.

What loan terms are available for car finance?

Most car loans offer terms from 3 to 7 years. Find out what term suits you best.

How is interest calculated on a car loan?

Interest is based on the loan amount, term, and rate. Fixed-rate loans have predictable repayments, while variable rates can change.

Can I get a car loan for a private sale?

Yes, many lenders accept private sellers. You’ll need to provide extra documents.

Do government employees get lower interest rates on car loans?

Yes — many lenders offer better rates due to your stable income. Explore finance options for government employees.

Can I apply for a car loan while on probation?

Yes. Many workers are approved during probation.

What credit score do I need as a government employee?

A score of 650+ is ideal, but lower scores may still be considered.

Are corporate professionals eligible for low-rate finance?

Yes, especially if you're full-time with strong income.

Can I get car finance with a novated lease?

Yes, many government departments support novated leasing.

Can I get a car loan with no credit history?

Yes, it's still possible to get a car loan with no credit history.

What if I’ve been declined elsewhere?

A broker can help restructure your application for better results.

How do I check my credit score?

Use Equifax, Experian, or Illion for a free check.

Can I get finance if I have a current personal loan?

Yes, if your income supports both loans. A broker will assess your capacity.

What documents do I need to apply?

Typically: ID, payslips, and bank statements.

Can casual workers get car loans?

Yes, if you’ve worked consistently for 6+ months.

Can I apply if I’m self-employed with an ABN?

Yes. Consider a low-doc loan.

Can Centrelink be used as income?

Yes, when paired with PAYG income.

What’s the minimum income to qualify for car finance?

Most lenders prefer $30,000+ annually, but this varies.

Can I apply on a fixed-term contract?

Yes, especially if it’s government-backed.

Can I finance a used car?

Yes, most lenders allow used cars under 10 years old.

Can I get a loan for an SUV or family car?

Absolutely

Can I finance a caravan or motorbike?

Yes

Can I finance an EV or hybrid car?

Yes. You may even qualify for green car loan discounts.

Can I use my car for both work and personal use?

Yes you can.

What is a balloon payment?

It’s a lump sum due at the end of the loan term.

Can I make extra repayments?

Yes, many lenders allow this without penalty.

Can I pay off the loan early?

Yes — ask if there’s an early payout fee.

Is there a deposit required?

Not always.

What loan terms are available?

1 to 7 years is standard.

How long does approval take?

24–48 hours in most cases

Can I apply online?

Yes — most lenders and brokers accept online applications.

Is a broker better than going direct?

Often, yes. They can compare lenders for you.

Can I get pre-approved?

Yes — and it gives you better negotiating power at the dealership.

What happens after I apply?

Your documents are reviewed, and if approved, the lender issues funds to the seller.

Can I get a loan with a visa?

Yes, in some cases. see finance for visa holders here.

Do I need a driver’s licence to apply?

Yes, but learners may qualify with a co-applicant.

Can I apply with someone else?

Yes, joint applications are allowed.

Can I refinance my current car loan?

Yes — it can lower your repayments or get you a better rate.

Can I trade in my old car as a deposit?

Yes, many lenders accept trade-ins toward the deposit.

Can nurses get car finance?

Yes — see nurse-specific finance tips.

Can teachers apply while on contract?

Yes. Read how to get approved.

Do defence personnel get special car loan rates?

Yes, in some cases. Your job security is a major advantage.

Can FIFO government workers apply?

Yes — consistency in income matters more than job location.

Can I apply if I’m on maternity leave?

Yes, especially if you’re returning to work. Here’s how.

Can I use car finance to buy interstate?

Yes — just make sure the seller provides all required documents.

Can I finance a car from an auction?

Yes, but only through select lenders. Ask your broker first.

Will applying hurt my credit score?

Only if you apply to multiple lenders directly. Brokers help protect your score.

Can I get a car loan if I’ve been bankrupt before?

Yes — see bad credit car loan options.

What if I want to upgrade my car before the loan ends?

You can sell the car, pay off the loan early, or refinance.