Rent to Own Prime Movers Made Simple
Get a prime mover on the road fast with flexible rent-to-own options designed for transport operators.
Some providers offer assessments without financials or bank statements.
100% free · No credit score impact · No obligation
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Why rent to own a prime mover?
Rent-to-own allows you to start working without the large upfront cost of purchasing a prime mover. It’s a simple way to secure the truck you need while keeping cash flow intact.
Make predictable weekly payments
Avoid major upfront deposits
Build towards ownership over time
Suitable for new operators
More flexible than traditional truck loans
Tax-deductible payments (check with your accountant)
Faster assessments from some providers
Rent-to-own is built for operators who need a reliable prime mover on the road quickly.
What is a rent-to-own prime mover agreement?
Rent-to-own lets you:
Choose a prime mover from a dealer or private seller
Use the vehicle while making fixed periodic payments
Build equity over the agreement
Own the truck at the end (subject to finalisation terms)
Payout the truck early (refinance to a chattel mortgage)
Some providers may allow applications without full financials and with credit issues, depending on overall strength.
This route is designed for operators needing a straightforward pathway to a working truck.
Who is this suitable for?
Rent-to-own suits:
Owner-operators
Small transport fleets
Construction and civil contractors
Linehaul and local freight
New ABNs (case-by-case)
Operators who need fast access to a truck
Businesses without any financials
If you’re earning from the truck or gearing up for work, this route may suit you.
What lenders look for
An active ABN
A truck used mainly for business
Asset age that fits policy guidelines
Clear PPSR (no unpaid encumbrances)
Verified photo ID
Basic affordability
Relevant industry experience
Some can consider:
Low-doc applications
Limited financials
Credit issues (depending on strength)
Private sales with correct checks
Everything is assessed safely and privately on your behalf.
Most providers look for:
How the process works
1. Quick pre-assessment
Tell us about your business and the truck you want.
2. We match you to the right option
We compare providers in the background.
3. Get your approval
Fast approvals so you can secure the truck.
4. Settlement
We work with the dealer or seller to finalise everything.
100% free · No credit score impact · No obligation
What types of prime movers qualify?
Most trucks are eligible, including:
Kenworth
Volvo
Mack
Scania
Western Star
Freightliner
Isuzu / UD heavy vehicles
Dealer and private sales can both be considered depending on condition and checks.
Benefits of rent-to-own prime movers
Fast approval process
Simple requirements
Low-doc options
No major upfront costs
Fixed payments
Clear pathway to ownership
Suitable for new and growing operators
A practical solution for operators who need to keep moving.
Is rent-to-own tax-effective?
In many cases, repayments may be tax-deductible because rent-to-own is treated as an operating expense.
Always confirm with your accountant for your situation.
Can I rent-to-own a private sale truck?
Yes — private sales may be allowed if:
PPSR is clear
VIN and engine details match
The truck passes basic checks
The seller provides required information
Dealer sales are often simpler but private sales are common.
Can new ABNs apply?
Some providers can consider new operators if:
Work is lined up
You have industry experience
The truck is suitable for the work
Cash flow is workable
Case-by-case but definitely possible.
Common reasons operators choose rent-to-own
Starting a new contract
Taking on extra work
Replacing an older truck
Expanding a fleet
Managing cash flow
Avoiding large deposits
Ideal for operators focused on getting moving quickly.
What documents do I need?
Depending on the provider:
Driver’s licence
Basic business details
Photo ID
Bank statements (sometimes)
Invoice or ad for the truck
In most cases rent-to-own require no financials or bank statements.
Frequently Asked Questions
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Yes — as long as the truck meets age and condition guidelines.
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No - some providers accept no-doc applications.
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Yes - anywhere between 10% to 20% of the purchase price.
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Yes — checks must be completed first.
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Many assessments are completed quickly once details are provided.
Ready to get started?
Tell us about your truck and we’ll take care of the rest.
100% free · No credit score impact · No obligation