Model and payload
Truck series, GVM, body and intended load shape lender and valuation policy.
107 reviews 5.0
Hino truck finance. Get to work.
Put your next Hino to work. We’ll compare suitable finance from our 80+ lender panel, with a broker to organise the application and settlement.
- New and used Hino purchases
- Dealer and private-sale options
- Loan structure matched to your business
What have you got planned?
Let’s help you fund it.
The complete truck should suit the licence, load and operating route.
300 Series delivery and trade trucks
500 Series freight and tipper builds
700 Series heavy-duty applications
Pantech and refrigerated bodies
Tippers, trays and service bodies
Replacement trucks and fleet additions
The truck being financed
These details identify the asset involved in truck finance, its value and whether it can be used as loan security.
- Series
- GVM
- Body
- Condition
What the lender checks about the business
These details help a lender understand the current position and decide whether the truck finance request fits its rules.
- Route
- Contract
- Margin
- Experience
How the finance is set up
These terms describe how truck finance is accessed, repaid and priced. Not every compared option includes every feature.
- Deposit
- Term
- Balloon
- Structure
Have something in mind? Let’s talk finance.
Get my free quoteTruck finance.
More options. Less legwork.
A delivery 300 Series, medium-duty 500 Series and heavy-duty 700 Series create different purchase prices, payloads and income profiles. The finance needs to reflect the actual truck, body, route and contract behind it.
New or used
Age, kilometres, condition and useful life influence term and deposit.
Body-build settlement
Chassis and body suppliers may need staged or coordinated payment.
Why choose X Lend for truck finance?
We compare eligible commercial vehicle lenders using the full supplied-and-fitted cost. That can include an approved tray, tipper, pantech, refrigerated body or other equipment when the lender can identify and value the completed asset.
Repayment timing, deposit, balloon and term are tested against the truck's expected use. Tax and accounting treatment depends on the business and structure, so those questions belong with the business accountant.
Cashflow structure
Repayment frequency and any balloon are tested against business income.
Provide the chassis and body invoices early. A lender needs to understand the finished truck, total cost and settlement sequence before approval can become unconditional.
Work out your repayments.
Then find your finance.
Try an amount and term for your truck finance. When you’re ready, we’ll compare the options available to you.
Truck finance repayment calculator
Adjust the amount, term and rate to see an indicative repayment.
Estimate only. Calculations include an assumed $990 broker origination fee and $500 lender fee, both financed. Total repayable includes those fees, interest and any final balloon. Weekly and fortnightly figures are equivalents of the monthly estimate. Actual fees and repayment timing depend on your offer.
What rate could I get?
Your quote takes your circumstances and finance requirements into account. Compare your rate, fees and repayments together before choosing an offer.
Find my optionsYour circumstances.
Your finance options.
The application links business strength to a specific truck and job.
What do I need to qualify for truck finance?
- ABN and trading history within policy
- Cashflow supports repayments and running costs
- Truck and body acceptable as security
- Commercial use is clear
- Deposit or equity where required
Who can truck finance help?
- Established transport and trade businesses
- Owner-drivers with contracts or trading evidence
- Businesses replacing or adding productive capacity
When should I consider another option?
- A personal-use vehicle
- A body build with no final specification or quote
- A repayment relying on unverified future work
Body value is unclear
A custom build needs specifications and supportable supplied-and-fitted pricing.
Repayment exceeds contract margin
Revenue needs to cover fuel, wages, maintenance, insurance and finance.
Used truck outside policy
Age, kilometres or condition can shorten the available term or require more equity.
What do lenders look at for truck finance?
Hino truck finance is assessed on the finished vehicle, commercial role, business cashflow and supportable term.
From enquiry to settlement.
We’re with you all the way.
Your broker handles the lender comparison and paperwork for truck finance, keeping you informed at each step.
- 01
Tell us your plans
Tell us what you want to finance, how much you need and when you need it. That could include 300 Series delivery and trade trucks.
- 02
We do the lender research
We help organise identity and business details and business statements or financials and check ABN and trading history within policy to find lenders that fit your situation.
- 03
Choose your finance
We explain chattel mortgage and commercial hire purchase, including the full cost and how repayments fit your budget. You choose the option to take forward.
- 04
We organise settlement
Your broker coordinates lender conditions, signed documents and payment details, so you can focus on what comes next.
Start with your free quote.
Your broker reviews your enquiry and explains the next steps, usually within one business day. An enquiry does not create a credit check or an obligation to proceed.
Find the finance that fits.
Know what you’re choosing.
Ownership, use and cashflow guide the commercial structure.
Chattel mortgage
The business owns the truck while the lender holds security, subject to approval.
Commercial hire purchase
The financier purchases the truck and the business hires it under the agreement.
Finance lease
The business leases the truck for the term with end-of-term conditions set in the contract.
Cost the whole route
Include fuel, tyres, maintenance, registration, insurance and downtime beside the loan repayment.
Finish the loan within the asset's useful life
A used truck's remaining working life should support the proposed term and balloon.
What should I have ready before applying?
- Obtain both chassis and body quotes.
- Forecast complete operating costs.
- Confirm delivery and settlement dates.
How we can help.
Illustrative examples of how we approach truck finance.
New pantech
A courier buys a cab chassis and separate body.
How your broker helps
Package both supplier invoices and coordinate settlement.
What to have ready
The finished value and delivery schedule are clear.
Used tipper
A civil operator buys a higher-kilometre 500 Series.
How your broker helps
Test age and condition policy with a shorter term.
What to have ready
Maintenance history and cashflow support the proposal.
Fleet addition
An established operator adds a truck for a new route.
How your broker helps
Use the contract and existing fleet performance in the assessment.
What to have ready
Incremental margin covers the complete operating cost.
A word from your broker.
At X Lend, we start by matching the funding term to the job the money or asset needs to perform. We then identify the documents and policy issues, choose a suitable lender and ask the customer to approve one considered submission.
Let’s compare your options.
Get my free quoteKeep your business moving.
Keep cash for what’s next.
See how arranging finance compares with waiting or paying the full cost upfront.
With truck finance
Put the truck needed for suitable work into service without waiting to fund the full cost from cash.
Preserve working capital for wages, materials and tax while arranging the truck.
Replace an unreliable or unsuitable truck before downtime and repair costs increase.
The cost of waiting.
Suitable contracts may be missed when the required truck is not available.
An older truck can keep creating downtime or repair costs while its replacement is delayed.
Buying the truck outright can reduce the cash buffer available for payroll, materials and unexpected costs.
Good finance.
Even better support.
Google reviews
Read reviews on Google Review on Google
Super helpful, friendly and fast. Secured a bank loan beyond expectations and did all the tricky leg work. Definitely be using their services again. Corey was a legend!
Review on Google
I can’t recommend Corey from X Lend highly enough. From the very first conversation, he was professional, transparent, and genuinely focused on finding the best outcome for me. Corey took the time to explain every step of the finance process in a way that was easy to understand, answered all my questions promptly, and never once made me feel rushed or pressured. I really appreciated how proactive he was, keeping me updated, following up with lenders, and making sure everything stayed on track. What really stood out was how hard he worked to secure a great deal. He compared multiple lenders, negotiated on my behalf, and ultimately achieved a rate and repayment structure that exceeded my expectations. The whole process of purchasing my car was smooth and stress‑free thanks to their expertise. If you’re looking for someone knowledgeable, reliable, and genuinely in your corner, I wouldn’t hesitate to recommend them. I’ll definitely be using their services again in the future :)
Review on Google
Corey helped me through the entire process of getting my dream family car! He was extremely prompt with his responses and had everything organised quickly and smoothly. I made a huge mistake by settling finance on the wrong car (a 5‑seater instead of a 7‑seater), but Corey was incredibly understanding and supportive. He contacted the dealership, lender, and even rearranged my insurance for me. He did all of this without ever making me feel like a hassle, even though I knew I was being a pain! Despite the setback, Corey stayed fast and efficient, kept me confident throughout the process, and managed to get everything cancelled and re‑approved for a higher amount so I could get my actual dream car. I highly recommend Corey. He speaks to you like a friend and genuinely has your best interests at heart. I already had quotes from Toyota Finance and Toyota Insurance, and Corey was able to get both significantly cheaper. Toyota Finance even reviewed Corey’s figures and confirmed they couldn’t beat them. I will never look to another finance company again.
Let us help with
truck finance.
Your truck finance questions.
Answered.
The details you want to know before taking the next step.
Can the truck body be included in finance?
Often, where the lender accepts the body, invoices and finished asset value. Settlement may need coordination between suppliers.
Can a new ABN finance a Hino truck?
Some pathways may exist with experience, work evidence, deposit and suitable security. Policy is narrower for a new business.
Can I finance a used Hino?
Potentially. Age, kilometres, condition, purchase price and the proposed term all matter.
Which structure is best for tax?
That depends on the business and accounting treatment. Ask your accountant, then we can compare finance within the chosen pathway.
Keep exploring your options
Further readingbusiness.gov.au — applying for a business loanbusiness.gov.au — reducing business loan costs
Reviewed by Corey Marino
FBAA member M-354085 · Diploma-qualified finance broker · Last reviewed 24 August 2026