Truck finance for Central Queensland
Whether you're running cattle out of Rocky, contracting in the Bowen Basin, or hauling freight through Mackay—we make truck finance easy. Compare rates from 30+ lenders and get fast approval.
Truck Finance Options
Finance for CQ industries
From Bowen Basin mining trucks to Capricorn cattle haulers—we've got you covered.
Mining Support Vehicles
Service trucks, water carts, fuel trucks, and support vehicles for mine sites across the Bowen Basin.
Water trucks, service trucks, fuel tankers, site vehicles
Cattle & Livestock Trucks
Road trains, cattle crates, and livestock haulers for CQ's beef industry.
Road trains, B-doubles, cattle crates, stock trailers
Prime Movers & Heavy Haulage
Prime movers and heavy rigid trucks for freight and logistics work.
Kenworth, Mack, Volvo, Western Star, Scania
Agricultural Vehicles
Farm trucks, grain trucks, and agricultural equipment for CQ's farming regions.
Grain trucks, tippers, farm utes, spray trucks
Construction & Tippers
Tippers, concrete trucks, and construction vehicles for civil and building projects.
Tippers, concrete agitators, crane trucks, hook lifts
Trailers & Bodies
Finance trailers separately or as part of a truck package deal.
Flat tops, tautliners, refrigerated, tankers, side-tippers
Why CQ Businesses Choose Us
Truck finance specialists who understand CQ
We know the mining, cattle, and transport industries that drive Central Queensland.
Mining & Ag Specialists
We understand mining contracts, seasonal farming income, and FIFO work patterns.
Competitive Rates
Access to 30+ lenders means we find rates that work for your cash flow.
Fast Approvals
Same-day pre-approval available. We know time is money when you've got a contract to start.
Regional Experts
We service all of CQ from Rocky to Mackay to Emerald—and everywhere in between.
Finance Structures
Choose the right structure for your business
Different structures offer different tax benefits. We'll help you choose.
Chattel Mortgage
Most popular for truck purchases. You own the truck from day one with full tax benefits.
Best for: Most CQ businesses & contractors
Finance Lease
Lease the truck with option to purchase at end. Lease payments are tax deductible.
Best for: Mining contractors, seasonal work
Operating Lease / Rental
Rent the truck with no ownership obligation. Great for short-term contracts.
Best for: Short-term mining contracts
Who We Help
Truck finance for CQ industries
Whether you're established or just starting out, we have options for CQ businesses.
Mining Contractors
Bowen Basin & beyond
Cattle Producers
Beef industry haulers
Transport Operators
Freight & logistics
Farmers & Graziers
Agricultural vehicles
Civil Contractors
Construction & earthmoving
Owner-Operators
Single truck businesses
New ABN Holders
From 6 months trading
Fleet Operators
Multiple vehicle businesses
Common Questions
Truck finance FAQs
Answers to the questions CQ businesses ask most often.
What types of trucks can I finance in Central Queensland?
We finance all truck types common in CQ including mining support vehicles, cattle trucks, road trains, prime movers, tippers, water trucks, and agricultural machinery. Whether you're in the Bowen Basin mines, running cattle in the Capricorn region, or hauling freight on the Bruce Highway, we have lenders that specialise in your type of vehicle.
Can I get truck finance for mining contractor work?
Yes, mining contractors are a specialty for us. We work with lenders who understand the mining industry cycle and can finance trucks for contract work. Having a contract with a mine site helps with approval, but even subcontractors can get finance with the right documentation.
How much deposit do I need for a truck in CQ?
Deposit requirements vary by lender and your situation. Established mining contractors and farmers often qualify for zero-deposit or low-deposit finance. New businesses may need 10-20% deposit. We'll find the best option for your circumstances and explain what's realistic for your situation.
Do you finance road trains and B-doubles?
Absolutely. Road trains are essential for Central Queensland's cattle and mining industries. We finance single trailers, B-doubles, and full road train combinations. We can also finance the prime mover and trailers together or separately depending on your needs.
What's the difference between chattel mortgage and lease for trucks?
With a chattel mortgage, you own the truck from day one and can claim GST credits and depreciation. With a lease, the lender owns the truck and you make rental payments (which are tax-deductible). Chattel mortgage is more popular for trucks as it offers better tax benefits for most businesses. We'll explain which suits your situation.
Can I finance trucks and trailers together?
Yes, we can arrange finance for truck and trailer combinations, whether purchased together or separately. Many of our CQ clients finance their entire rig in one application—prime mover, trailers, and even livestock crates. This simplifies paperwork and often secures better rates.
How long can I finance a truck for?
Truck finance terms typically range from 2 to 7 years. For working trucks, we often recommend 3-5 year terms to balance repayments with the vehicle's working life. Longer terms mean lower repayments but more interest overall. We'll help you choose a term that matches your cash flow.
Is truck finance tax deductible for my business?
Yes, truck finance for business use offers significant tax benefits. With chattel mortgage, you can claim GST credits on purchase, depreciation, and interest. With operating lease, lease payments are fully deductible. We recommend consulting your accountant for advice specific to your business structure.
Get Started
Get your truck finance quote
Tell us about your truck and your business, and we'll find you the best finance options. No obligation, no credit check until you're ready to proceed.
Truck finance enquiry
Tell us about your truck and business needs.