How to Finance a Food Truck and Get Your Business Rolling
Starting a food truck is an exciting way to turn your passion for food into a thriving business. Whether you dream of serving up gourmet burgers, authentic tacos, or artisanal...
Request a Quote From Credit One
*Getting a Credit One low rate finance quote won't affect your credit score
Used Truck Finance
Find the perfect pre-owned truck without the stress of upfront payments. With used truck finance from Credit One, you can secure the vehicle you need with a loan term that fits your budget.
Still looking? Don't stress. Getting a quote costs you nothing and doesn't impact your credit score.
5.0
Affordable Finance for Pre-Owned Trucks
Affordable Finance for Pre-Owned Trucks
Buying a pre-owned truck is a smart move and saves you money while still delivering the performance and reliability you need. Whether you're adding to your fleet or purchasing your first vehicle, our tailored finance solutions make it easy to manage costs with simple, regular repayments.
With access to over 40 trusted lenders, we’ll help you secure competitive rates that suit your needs, whether you're buying from a dealership or through a private sale. We offer truck finance packages for pre-owned trucks, including secured loans, unsecured loans, no deposit truck finance, and more. Try our truck finance calculator to explore what your monthly repayments would be based on the loan term, purchase price, and truck finance interest rates.
Fast Approvals With No Hassle
When the right truck comes along, you need finance that keeps up. Our streamlined truck finance process is built for speed, delivering pre-approval in as little as 24 hours so you can move forward without delay.
From your first enquiry to final approval, we’re here to provide smart and stress-free truck finance solutions tailored to your needs. No hold-ups. No hassle. Just expert support every step of the way.
Our Quick and Simple Application Process
01
You’ve Found Your Dream Truck
02
One minute
We’ll recommend a loan based on your finances and the truck you want.
03
5 minutes
We’ll submit your application and negotiate all the terms for you.
04
1-2 hours
Once the loan is approved, all you have to do is sign and begin making your payments.
Your adventures begin!
Once the lender has paid the seller, you’ll drive away in your truck.
Flexible Truck Loans For Your Budget
Flexible Truck Loans For Your Budget
Our truck loan options are built with small business owners in mind, offering the flexibility you need to manage your cash flow with ease. Choose from weekly, fortnightly, or monthly payments to suit your financial rhythm.
We pride ourselves in offering a loan process is straightforward, transparent, and free from hidden fees. Every loan is tailored to your situation and your business needs. You'll be working with finance professionals with decades of experience with truck finance loans, so you can stay focused on what matters most. Getting your truck on the road and working for your business.
Why Choose Credit One for Used Truck Finance
Easy Applications with Fast Approvals
Need truck finance fast? Credit One makes it simple with a quick 60-second quote and same-day approvals. Our online application is obligation-free and hassle-free, getting you on the road sooner.
Flexible Truck Finance Options
Finding the right truck loan is easy with Credit One. Our finance specialists assess your needs and compare options from a wide range of lenders to secure a solution tailored to your business or personal circumstances.
Competitive Rates with Low Fees
We offer finance packages with low establishment fees, no ongoing charges, and competitive interest rates. Whether you're financing a single truck or an entire fleet, we can structure a loan that suits your cash flow and budget.
Recognised for Outstanding Service
As an award-winning finance broker, we provide independent advice to help you secure the best loan for your needs. That’s why Credit One has been recognised as ‘Broker of the Year’ for three consecutive years.
Specialists in Truck Finance
Our dedicated truck finance consultants are available seven days a week to assist with your application. Call us today on 1300 338 326 or request a callback to explore your finance options.
Access to Leading Lenders
With connections to over 40 trusted Australian lenders, including major banks and specialist finance providers, we can connect you with lenders not available directly to the public.
FAQs on Used Truck Finance
Can I finance a used truck bought from a private seller through Credit One?
Yes, absolutely. At Credit One, we understand that great deals can come from a variety of places, not just dealerships. We offer finance options for trucks purchased through private sellers and at auctions, as well as traditional dealers. No matter where you find your next truck, we are here to help you finance it with confidence.
How quickly can I get approved for used truck finance?
Our goal is to get you behind the wheel as soon as possible. Most of our used truck finance applications are approved within 24 hours thanks to our streamlined loan process. Once we have the required details, we work quickly to assess your application and present tailored finance options so you can move forward without unnecessary delays.
What documents do I need to apply for used truck finance?
To apply for a used truck loan, you will typically need to provide valid identification (such as a driver’s licence), proof of income or business revenue, and details about the truck you are planning to purchase. Depending on your situation, we may ask for additional documents. Our experienced team will guide you through the entire process to make it as smooth and stress-free as possible.
Are interest rates higher for used trucks compared to new trucks?
In some cases, yes. Interest rates for used trucks can be slightly higher than those for new vehicles. This is often due to factors such as the age and condition of the truck, as well as lender policies around risk. However, that does not mean you cannot get a great deal. At Credit One, we compare a wide range of finance options to help you secure a competitive rate that aligns with your budget and circumstances.
Is there a minimum age limit for trucks I can finance?
Yes, some lenders do have restrictions on the age of vehicles they are willing to finance. In general, older trucks may have fewer finance options available due to depreciation and resale considerations. However, every case is different. Our finance specialists will review the truck you are interested in and help you find a lender that fits your needs and the vehicle's specifications.
What happens if I want to pay off the loan early?
In many cases, you can choose to pay off your truck loan early. However, some lenders may apply early exit fees or interest adjustment charges, depending on the terms of the loan. If paying off your loan ahead of schedule is something you are considering, just let us know upfront. We can help you find a finance option with more flexibility around early repayments, so you have the freedom to pay it off on your terms.
What kinds of used trucks can I finance at Credit One?
At Credit One, we offer heavy vehicle finance for a wide range of used trucks to suit different industries and business needs. Whether you're looking to purchase a crane truck, concrete truck, or even a food truck, we can help you find the right finance solution.
Our team understands that every business is unique, so we work closely with you to tailor a finance option that fits both the type of truck you need and your operational requirements. If you're unsure whether your preferred vehicle qualifies, simply get in touch and we'll guide you through your options.
Our team understands that every business is unique, so we work closely with you to tailor a finance option that fits both the type of truck you need and your operational requirements. If you're unsure whether your preferred vehicle qualifies, simply get in touch and we'll guide you through your options.
Can I finance multiple used trucks at once?
Yes, you can. If your business needs to expand its fleet, we can help you arrange finance for multiple used trucks in one structured solution. Our team will work with you to understand your goals and tailor a finance plan that fits your budget, cash flow, and operational needs. Whether you are growing steadily or scaling quickly, we are here to support your success.
How do I apply for used truck finance?
Applying for used truck finance with Credit One is simple and straightforward. You can start by getting a free, no-obligation quote through our website or by speaking directly with one of our experienced finance specialists. We will guide you through the process, help you compare loan options, and support you every step of the way, from your first enquiry to final approval.
Latest Truck News & Tips
Trucking in Australia: Is Now the Right Time to Get Started?
Australia’s trucking industry keeps the country moving. Every day, truck drivers transport groceries, medical supplies, fuel, machinery, and raw materials across vast...
How to Get Approved For a Truck Loan
Applying for truck finance can feel like a big step, whether you’re just starting out or expanding your fleet. The good news? Getting approved doesn’t have to be...
The Truck Driver Shortage: What’s Really Going On?
If you’ve heard talk of a truck driver shortage in Australia, you’re not alone. The heavy vehicle industry is facing a real challenge, with tens of thousands of unfilled...
Ute vs Light Truck: Which One’s the Better Workhorse for Your Business?
Deciding on a ute or truck for business can be a headache for any small business owner. After all, your vehicle isn’t just a way to get from A to B—it’s part of your...
Our Trusted Partners
Let our expert consultants compare hundreds of products on your behalf from our exclusive panel of lenders. With access to 40+ of Australia's most trusted and reputable lenders, we will help your business save time and money.
