Rent-to-Buy Trucks Made Simple
A flexible way to get the truck you need — without the upfront cost.
Depending on your situation, some lenders may offer rapid assessments.
100% free · No credit score impact · No obligation
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✔︎ Backed by 10+ years of experience in financial services.
Trusted by truck & transport operators across Melbourne & Australia.
Our Panel of 40+ Lenders
Why rent-to-buy is the smartest path for many operators
When you need a truck now — but want to avoid large upfront costs — rent-to-buy gives you a practical, cash-flow-friendly path forward.
Smaller deposit as low as 10%
Keep cash flow strong for fuel, staff, maintenance
Start earning from the truck straight away
Fixed predictable repayments
Simple end-of-term ownership
Lower barrier to entry compared to traditional truck finance
Rent-to-buy helps operators stay on the road, win more contracts, and keep business moving without financial stress.
If you need a reliable ute to stay operational — this is one of the simplest pathways.
What is a rent to buy truck agreement?
A rent-to-buy agreement lets your business use the truck immediately, while making fixed weekly or monthly payments.
At the end of the term, ownership transfers to you once the final instalment or residual is paid.
This option is ideal for:
New operators
Small fleets
Growing transport businesses
Construction contractors
Owner-drivers
Seasonal or contract-based operators
It’s one of the simplest, most flexible pathways to ownership.
Who this suits best
You may be a strong fit for rent-to-buy if your business:
Has active contracts or consistent work
Needs a truck quickly
Wants simple, predictable repayments
Has struggled with traditional bank lending
Is a newer business with limited financials
Prefers a straightforward path to ownership
Wants to avoid large upfront deposits
What lenders look for
Income from contracts
Driver/operator experience
Type of truck and its condition
ABN and GST registration
Paid or unpaid small defaults
In many cases, full financial statements, BAS or tax returns are not required.
Compared to traditional finance, rent-to-buy assessments are far simpler.
Most providers focus on:
Benefits of rent to buy trucks
Lower entry requirements
No large upfront deposit (as low as 10%)
Keep working capital free
Simple, predictable repayments
Fast approvals
Suitable for newer businesses
Ownership at the end of term
Ideal for contractors and transport operators
Work towards your goals sooner
Common uses
Starting a new transport contract
Expanding an existing fleet
Replacing an unreliable truck
Upgrading to increase capacity
Managing seasonal demand
Keeping cash flow stable
Supporting construction and logistics projects
Eligibility criteria
Most rent-to-buy providers are every open-minded and require:
ABN & GST registered
Consistent works for new entrants
Minimum deposit 10%
Suitable asset (typically no older than 2013)
No financial statements required. No bank statements required.
How the process works
1. Quick pre-assessment
Share basic details — no credit impact.
2. Choose the truck you want
New or used, depending on the provider.
3. Approval & documentation
Simple contracts, minimal paperwork.
4. Pick up the truck & start working
Repayments begin, ownership transfers at the end.
100% free · No credit score impact · No obligation
Why choose Casey Asset Finance?
Specialised experience with rent-to-buy providers
Fast turnaround from application to approval
Clear guidance with no confusing jargon
Dedicated support for tradies, transport & construction
Access to multiple truck-specific lenders
Transparent process from start to finish
10+ years in financial services
We help you get moving sooner — with a truck that supports your business.
What you can expect
Straightforward, honest guidance
Options explained clearly
Support choosing the right lender
Regular updates on your application
A simple, stress-free experience
Funding tailored to your business needs
Frequently Asked Questions
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Some approvals may be possible within 24–48 hours depending on your situation.
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Yes minimum 10%.
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Checking your options does not affect your credit.
We always explain when a credit check may be required. -
Yes — many rent-to-buy lenders accept new entrants with industry experience and a deposit.
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Once the final payment is made, ownership transfers to you. Every year you have the option to buy the asset. This can be done via refinance to a more mainstream truck finance lender.
Ready to explore your rent-to-buy truck options?
See your options in 30 seconds — no impact to your credit score.
100% free · No credit score impact · No obligation