Rigid trucks
Truck Finance Perth
Truck Finance Perth
Keeping a truck on the road is how a lot of WA businesses make their living, so the last thing you need is finance holding you up. PTR Finance Group arranges truck finance across Perth and regional Western Australia for owner-operators, small fleets and growing transport businesses.
New & Used Trucks | Owner-Operators | Small Business | Same-Day Pre-Approval
Because we work with a panel of quality lenders rather than a single bank, we can match your truck loan to the way your business actually runs – seasonal cash flow, ABN age, deposit and all. That means competitive commercial truck finance whether you are buying your first rig or adding a second truck to take on more work.
Our brokers do the legwork: a quick chat, your details, and we come back with the most appropriate finance option so you can get on with the job. For established operators we can often arrange pre-approval the same day, so you can negotiate on price with finance ready to go.
We can finance new and used trucks of almost any type, including:
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Tipper trucks
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Tray & flat-bed trucks
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Curtain-sider trucks
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Tow & recovery trucks
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Light & medium trucks
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Delivery & box trucks
Need a bigger rig or a matching trailer? Take a look at our heavy vehicle finance and trailer finance options, or explore commercial & personal vehicle finance for lighter vehicles. When you are ready, request a quote and one of our brokers will do the rest.
Frequently Asked Questions
Can I get truck finance in Perth as an owner-operator?
Yes. A large share of our truck finance clients are owner-operators and sole traders. We work with lenders who understand owner-driver businesses and can structure repayments around your contract income and cash flow, even if you have a newer ABN.
Can I finance a used truck, and are there age limits?
We finance both new and used trucks. Many lenders will fund trucks up to around 15 years old at the end of the term, and some go further for well-maintained units. The truck's age, kilometres and type all affect the rate and term, and we will find the lender whose policy best suits the truck you are buying.
How much deposit do I need for a truck loan?
Many established businesses can access no-deposit truck finance secured against the truck itself. If you have a limited trading history or are buying an older truck, a deposit or trade-in can help you secure a sharper rate. We will let you know your options before you commit.
How quickly can truck finance be approved?
For established operators with a clean credit profile we can often arrange same-day pre-approval and settle within a couple of business days once the paperwork is in. Newer businesses may take a little longer while lenders review supporting documents.
Do you offer low-doc truck finance for small business?
Yes. We have low-doc and streamlined options for small businesses and newer ABNs that may not have full financials ready. These typically rely on the asset as security and a simple declaration of your position rather than full tax returns.
What loan structures are available for truck finance?
The most common structures are a chattel mortgage, a finance lease and a rent-to-own/hire purchase arrangement. Each has different tax and GST treatment, so we will talk through which suits your business and recommend you confirm the detail with your accountant.
