Rent-to-Own Trucks Made Simple
Get the truck you need now — pay it off as you use it.
Fast approvals, flexible terms, and options for all credit profiles.
100% free · No credit score impact · No obligation
🏆 Lenders’ Choice Broker of the Year 2025 Finalist (Optimise Awards).
✔︎ 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-own trucks?
Rent-to-own gives business owners a simple, flexible way to get on the road without large upfront costs or complex application requirements.
Perfect for new ABNs
Works for low documentation
Options available for bad credit
Fast turnaround when you have a job starting soon
Own the truck at the end
If you need a truck now and want predictable weekly repayments, this can be one of the easiest pathways.
What is rent-to-own truck finance?
Rent-to-own is a business finance product where:
You choose the truck
A lender purchases it
You rent it while operating your business
You take ownership at the end of the term
It’s similar to a lease, but with ownership guaranteed once all payments are made.
Who rent-to-own trucks suits
Rent-to-own is ideal for:
Start-up transport operators
Owner-drivers and subcontractors
Couriers
Freight, logistics & delivery businesses
Tradies needing a work truck or service vehicle
Businesses with inconsistent cash flow
Anyone who needs equipment quickly
If you’ve struggled with traditional lenders — rent-to-own may still be an option.
Lender criteria snapshot
Every lender differs, but here’s what most are looking for:
At least 1-day ABN
Australian-based business
Your ability to service repayments
A truck that fits lender age/value guidelines
Bad credit or past issues? Many rent-to-own lenders still consider the deal.
What lenders look for
Industry experience
Suitable asset
Open-minded with credit score
Improvement trends matter more than your past.
Even with a higher-risk profile, lenders assess several key indicators:
How the process works
1. Choose the truck
New or used — from a dealer or private seller.
2. Check your eligibility
Quick call to understand your business.
3. We match you to the best lender
Based on your ABN age, cash flow, credit profile and the truck.
4. Approval issued
Often within 24 hours.
5. Truck is paid for
You take delivery once the supplier is paid.
6. Rent while you operate
Weekly repayments, fixed and predictable.
7. Ownership at the end
No surprise balloon, no unexpected conditions.
100% free · No credit score impact · No obligation
Eligibility
Rent-to-own can work even if you:
No trading history
Don’t have full financials
Can’t provide bank statements
Have credit issues (paid or unpaid)
Recently changed business structure
Need fast turnaround
Want simple documentation
Each lender is different — we match you to the right one.
What trucks can be financed?
Most lenders allow:
Prime movers
Tippers
Tilt trays
Tray trucks
Refrigerated trucks
Curtain-siders
Heavy rigid
Service trucks
Delivery vehicles
Pantech trucks
If the truck produces business income, it can usually be considered.
Benefits of rent-to-own trucks
No large deposit required
Predictable weekly repayments
Ownership guaranteed
Fast approval
Works for many credit profiles
Often easier than traditional truck finance
Keeps your cash flow stable
Lets you upgrade equipment when needed
This is one of the most flexible options for getting on the road quickly.
Frequently Asked Questions
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Yes — many rent-to-own lenders will consider low credit scores or past issues.
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Usually:
Driver’s licence
ABN
Some lenders may require less.
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Yes. Once the term is complete, ownership transfers to you.
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Some lenders can approve within 24 hours and settle shortly after supplier documentation is finalised.
Why choose Casey Asset Finance
Clear guidance for high-risk scenarios
Lenders who specialise in complex profiles
Fast assessments with minimal friction
Personalised support throughout the process
A focus on transparency and simplicity
Proven experience with challenging credit situations
What you can expect
Respectful, simple communication
Zero judgment — just solutions
No unnecessary paperwork
Honest expectations upfront
A tailored plan that fits your situation
Support before, during, and after settlement
Frequently asked questions
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Yes — many of our lenders specialise in clients who have been declined elsewhere.
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It may influence outcomes, but recent business performance carries more weight.
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No — it’s 100% free and there is no obligation.
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Some approvals may be available within 24 hours.
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Not always. Bank statements are typically the main requirement.
Ready to explore your high-risk business lending options?
Get clear guidance — and options based on your business today.
100% free · No credit score impact · No obligation