Financing a Furniture Removal Truck with Hydraulic Loader in Australia

Yes — You Can Finance a Furniture Removal Truck with Hydraulic Loader

If you're considering buying a furniture removal truck fitted with a hydraulic loader, the good news is that it can absolutely be financed. These trucks typically range between $140,000 and $200,000, and lenders classify them as income-generating commercial assets — meaning the approval process is often smoother than you think.

Choosing a broker instead of applying directly to a bank gives you the strongest chance of fast approval. Banks commonly misunderstand the purpose of removal trucks and tend to use rigid consumer-style criteria. A broker places your application with lenders who specialise in transport equipment, helping you avoid unnecessary paperwork, delays, or multiple hits on your credit file.

Why Furniture Removal Trucks with Loaders Are in High Demand

Furniture removal trucks with hydraulic loaders are extremely valuable for moving heavy household items, bulky freight and commercial office furniture. The enclosed body protects goods, while the hydraulic loader allows a single operator to safely load appliances, furniture and large boxed items without additional labour.

For removalists, couriers and transport operators, upgrading to a truck with a hydraulic loader can immediately increase efficiency, reduce manual handling risks and improve client service.

Finance Options Suited to Transport & Removal Businesses

Most operators choose between chattel mortgages, rent-to-own structures or commercial leases. Because these trucks are used for business purposes, lenders are more flexible around documentation, ABN age and trading history.

If you’re a newer operator or running under a small ABN, you can explore accessible lending options here:
https://financetheride.com.au/pages/small-business-car-loans

For transport companies financing multiple trucks or expanding their fleet, our Equipment Finance category includes lenders who specialise in commercial trucks, logistics vehicles and heavy equipment:
https://financetheride.com.au/pages/equipment-finance-australia-fast-low-doc-equipment-loans

Many Removal Businesses Also Finance Construction-Related Assets

A large portion of removalists also service building contractors, real estate agencies and commercial fit-out companies. If your business also operates tippers, utes, loaders or small excavators for job-site support, you may be able to finance multiple assets under one low-doc facility. More details are available here:
https://financetheride.com.au/pages/construction-earthmoving-equipment-finance-australia-low-doc-abn-loans

Some operators handle regional moves or transport for farm properties, making agricultural lending pathways relevant as well:
https://financetheride.com.au/pages/agricultural-farming-equipment-finance-australia-low-doc-abn-loans

Why Using a Broker Gets You Better Results

When financing a specialised commercial truck, your approval outcome depends heavily on choosing the right lender. A broker knows which lenders finance removal trucks with hydraulic loaders, what asset age limits apply, and how to position your application to minimise risk.

This results in:
• faster approvals
• fewer credit enquiries
• better loan structures
• more flexible repayment options
• smoother private-sale purchases

Banks simply can’t match this level of industry-specific expertise.

Ready to Finance Your Furniture Removal Truck?

Getting started is quick and obligation-free. By checking your eligibility, you’ll know exactly what loan options are available — and it won’t affect your credit score. With the right finance structure, your new truck becomes a profit-generating asset from day one.

 

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.

Back to blog

Useful Information

1 3

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.