Van & Truck Finance for Removalists
Removalists who need a van, pantech or light truck for moving work. Tell us about the vehicle and your business, and we'll pass your enquiry to a licensed finance broker who works with a range of lenders. It takes about 60 seconds and there's no credit check to enquire.
- No credit check to enquire
- Free to enquire, with no obligation to go ahead
- A licensed broker calls you, usually within one business day
Check my eligibility
About 60 seconds. No credit check to enquire.
Who we help
- Man-with-a-van operators: doing small moves, furniture pick-ups and marketplace deliveries
- Removals businesses adding a truck: stepping up from a van to a pantech or tautliner
- Interstate and regional movers: running longer distances and higher kilometres
- Businesses with a small fleet: replacing an older truck or adding one for another crew
- Newer ABNs: drivers who've worked for a removals company and are starting their own
- Low doc applicants: with steady BAS or bank statements but no recent financials
Vans vs trucks
Most removalists start with a large van and move up to a light truck with a pantech body, tail lift or furniture pads as jobs get bigger. The jump changes the finance conversation:
| Large van | Light truck (pantech or tautliner) | |
|---|---|---|
| Typical work | Small moves, single items, deliveries | Full household and office moves |
| Driver licence | Usually a car licence | Depends on GVM. Heavier trucks need a light rigid licence or higher. |
| What lenders focus on | Your income and credit, plus the van's age and value | Also your experience with trucks, and the body and tail lift |
| Used and private sales | Commonly financed | Often financed, though some lenders cap age and kilometres |
Lenders may ask about the body, tail lift and kilometres on a used truck, so have those details ready. A clean service history helps.
How removalists usually structure it
- Chattel mortgage: the business owns the van or truck. If you're GST-registered you may claim the GST credit upfront, and you can generally claim interest and depreciation for business use.
- Finance lease: the lender owns the vehicle and lease payments are generally deductible.
- Balloon or residual: lowers the regular repayment by deferring part of the principal to the end. You still pay interest on it, and you'll need to pay it out or refinance when the term ends.
Heavy-use vehicles depreciate with kilometres, so match the loan term and any balloon to how long you realistically expect to keep the vehicle.
How it works
- Tell us about the vehicle and your business in the short form below.
- A licensed broker calls you, usually within one business day, to talk through your options.
- If it suits you, they handle the application with a lender that fits your circumstances.
What you'll usually need
- Driver licence (the right class for the vehicle) and photo ID
- ABN details and GST registration status
- Recent BAS or business bank statements (tax returns and financials for full doc)
- A dealer quote or invoice, or private seller details with rego, VIN and odometer reading
- Details of other vehicle or equipment finance the business already has
Every lender has its own criteria, so your broker will tell you exactly what's needed for your situation.
Removals and commercial vehicle guides
- How to qualify for a low doc truck loan
- Fleet financing options for Australian businesses
- What vehicles can you finance with a low doc loan?
- Balloon payments: what you need to know
- Documents needed for ABN vehicle finance
- Trailer finance
Common questions
Can I finance a used truck from a private seller?
Often, yes. Many lenders finance private-sale trucks and vans, though some have limits on age and kilometres. The lender may want an inspection or valuation before settlement.
I've driven for a removals company for years but my ABN is new. Can I still apply?
Possibly. Some lenders consider newer ABNs where you have solid industry experience, sometimes with a deposit. A broker can tell you which lenders are open to it.
Can I finance a second truck while I'm still paying off the first?
Often, yes, if the business can comfortably service both. Lenders will look at your current repayments and how the extra vehicle adds income.
Does enquiring affect my credit score?
No. Filling in our enquiry form isn't a credit application. A credit check only happens if you choose to go ahead with an application through the broker.