Truck Loans Australia Truck Loan Repayment Calculator
Use our Truck Loan Calculator to estimate repayments, compare finance options, and plan your purchase with ease. Fast, simple, and tailored for Australian businesses and drivers.
Calculator results are estimates only and not quotes. Actual quotes will be provided by licensed brokers after you submit an enquiry.
Truck Loan Details:
Important!
Truck Loan Interest Rates differ from lender to lender and will depend on your individual circumstances (credit history, employment status, age, etc.). To find out if you qualify ... and for a free, personalised interest rate and repayment quote,
please CLICK HERE
Truck Loan Amortisation Calculator
The following amortisation graphs detail month-by-month data on the progress of the proposed loan. The first chart below examines the reducing loan balance over the course of the finance contract term. The second graph illustrates the portion of each monthly repayment allocated to payment of interest vs principal reduction.
How to use our Truck Loan Repayment Calculator
Our Truck Loan Repayment Calculator helps Australian drivers and businesses estimate loan repayments before you commit. It is designed to support budgeting, cash flow planning, and comparing truck finance scenarios by showing how changes to price, deposit, term, and interest rate can affect your repayments and total interest cost.
How to complete the calculator for the most accurate estimate
1. Purchase Price
Enter the total purchase price of the truck you plan to finance. Consider including eligible on-road and purchase-related costs that may be financed (for example registration, insurance, or other costs where applicable). Use whole numbers only, without commas or decimals.
2. Deposit or Trade-in Value
If you are paying an upfront deposit or using a trade-in, enter that amount here. This reduces the amount you need to borrow and can lower repayments and total interest. Use whole numbers only.
3. Term of Loan (Years)
Select the loan term in years. In general, a longer term can reduce the periodic repayment but may increase the total interest paid over the life of the loan. Choose a term that suits your expected truck usage and business cash flow.
4. Interest Rate (Percent per annum)
Select an interest rate to model your scenario. Rates vary by lender and borrower circumstances, so it can be helpful to test a conservative rate as well as an optimistic one.
5. Calculate
Select calculate to generate your repayment estimate and repayment breakdown visuals.
How to interpret your results
1. Repayment estimate
Use this as a guide to affordability and budgeting. If the repayment is tight, test a higher deposit, shorter term, or different interest rate.
2. Amortisation and graphs
Review how the loan balance reduces over time, and how each repayment typically shifts from mostly interest early on to more principal later. This can help with planning for refinancing, early payout, or upgrade timing.
ASIC compliance note: This calculator provides information only and is not financial or credit advice. Results are estimates and may not include all fees, charges, taxes, residuals or balloon payments. Consider your objectives and financial situation, and seek independent advice or a lender quote before proceeding.
Welcome to the road less traveled, where the rubber meets financial prudence. Truck driving in Australia is not just about long miles but also about ensuring financial stability amidst life's crossroads. As a truck driver, taking the wheel of your financial future is crucial, and that's what we'll navigate in this article. - read more
The commercial vehicle market in Australia is a cornerstone of the transportation and logistics industries, with trucks playing an indispensable role. Whether for long-haul deliveries across the vast distances of the continent or for urban distribution, trucks are critical assets for businesses and entrepreneurs alike. This significance makes it essential for commercial vehicle buyers to understand the dynamics of truck resale values in Australia. - read more
Stepping into the realm of commercial truck financing can be a highway riddled with complex terms and conditions. Understanding commercial truck loans is not only about getting the keys to a new vehicle; it's a crucial investment in your business's future. As a borrower, you need to navigate through the fine print to find a loan that fits like a glove. - read more
Small businesses that require regular transportation of goods may find it essential to purchase a truck. However, this acquisition can become a significant investment that requires careful consideration before making a decision. The two options available are buying or leasing a truck. In this article, we will explore the pros and cons of each option to help you make an informed choice. - read more
For many Australian businesses, purchasing a commercial vehicle is a significant investment that often requires financial assistance. Understanding the intricacies of truck financing is crucial, as the right loan can affect your company's bottom line and operational efficiency. With a plethora of lenders offering myriad loan products, choosing the most advantageous deal can be daunting. - read more
The Australian Trucking Association (ATA) has strongly opposed the Productivity Commission's proposal to phase out fuel tax credits for trucking operators, a move that would effectively double the fuel tax paid by the industry. ATA Chair Mark Parry highlighted that such an increase would raise the effective fuel tax from 32.4 cents to 66.1 cents per litre by 2035. - read more
In a landmark development for Australia's freight industry, energy company Mondo, with support from the Australian Renewable Energy Agency (ARENA), is set to establish the nation's first major electric truck charging hub in Melbourne's Laverton North. The project, slated for completion by late 2026, represents a significant step towards reducing emissions in road freight. - read more
In 2025, Australian managed funds experienced a substantial increase of $35.9 billion, as reported by Calastone. This growth was primarily driven by investors seeking stability through fixed income strategies amidst global economic uncertainties. - read more
In recent years, Australian small and medium-sized enterprises (SMEs) have increasingly turned to non-bank lenders for their financing needs. This shift is driven by the demand for faster credit decisions and more flexible lending solutions, which traditional banks often struggle to provide. - read more
Amidst economic uncertainties and a cautious lending environment, Australian small and medium-sized enterprises (SMEs) are increasingly turning to asset finance to bolster long-term productivity. Recent data from Valiant Finance indicates a significant surge in asset finance volumes, with a 41% increase in Q3 and a 33% rise in Q4 of 2025. - read more
