Livestock Trailer Finance for Rural ABN Holders 🚜🚛

Whether you're carting cattle, moving sheep, or transporting working dogs, a livestock trailer is a non-negotiable part of doing business in the bush.

And if you’ve got an ABN — even without tax returns — you may be able to finance your next livestock trailer without needing to pay the full amount upfront.

✅ Are Livestock Trailers Eligible for Finance?

Yes — livestock trailers are considered commercial-use equipment, which means lenders view them as lower-risk and essential to income generation.

They can be financed through:

  • ✔️ Equipment loans
  • ✔️ ABN-only asset finance
  • ✔️ Low-doc options for rural contractors and ag businesses

Even if you're not GST-registered or only recently activated your ABN, brokers can often help structure a deal that works.

👨🌾 Who’s This Finance For?

Livestock trailer finance is popular with:

  • Farmers and graziers
  • Mobile stock transporters
  • Rural fencing or ag contractors
  • Sheep dog trainers or handlers
  • Regional trades who handle animals alongside other gear

If the trailer directly supports your business activity — there’s likely a lender willing to back it.

📋 What You’ll Need to Apply

To apply for livestock trailer finance, you’ll typically need:

  • ✅ Active ABN (even under 12 months may be okay)
  • ✅ Quote or invoice for the trailer
  • ✅ Driver’s licence
  • ✅ Optional: 3–6 months of business bank statements
  • ✅ Purpose: mainly for business use (not personal/agistment hobby only)

If you’re buying through a dealer or manufacturer, the process is even smoother. Private sales are also possible but may require photos or trailer specs.

🐑 Can You Finance a Used Livestock Trailer?

Yes — used trailers are common in the ag space and still eligible for finance as long as they’re:

  • Roadworthy and under ~10–12 years old
  • Purchased from a legitimate seller (invoice required)
  • Well-maintained and fairly valued

Used trailer finance might require a 10–20% deposit, especially if you're light on paperwork.

🧠 Why Go Through a Broker?

Rural income often doesn’t fit into neat boxes. A broker can:

  • Present your seasonal or property-based income clearly
  • Match you with rural-friendly lenders
  • Avoid unnecessary paperwork and metro-based lender delays

🚀 Move Livestock Smarter — Not Harder

Don’t let trailer costs hold back your operations. We’ll connect you with a broker who can help you finance a livestock trailer — even if you’re still early in your business journey.

👉 Start My Trailer Finance Application

 

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.