Truck and Trailer Finance
A truck and trailer unit is bought as one working combination. Dynamic Finance arranges truck and trailer finance for new and used units, bought through a dealer, privately or at auction.
- Same-day approvals available
- FMA-licensed adviser (FSP1008126)
- 100% New Zealand owned
Truck and Trailer Finance with Dynamic Finance
No manufacturer targets. We work for you, not dealership sales quotas.
Financing the truck and the trailer together avoids two applications on two timelines, and usually gets a better structure than splitting them.
Choosing Dynamic Finance means working with a finance partner who understands that a unit is bought to earn, not to sit. All finance is subject to lender assessment and approval.
Experience the Dynamic Finance difference. From competitive rates to tailored terms, we make financing your truck and trailer simple, transparent and stress-free. Apply online now or contact us for a personalised consultation.
What we will need from you
For a business purchase we usually need your IRD number, recent GST returns or financials, and details of the truck. If you are an owner-operator without a full set of accounts, say so - several of our lenders assess on contract income and bank statements instead, and we will point your application at them rather than at the ones that will decline it.
If you are refinancing an existing truck to free up working capital, we can look at that at the same time.
Common questions
Can I get truck finance as a new owner-driver?
It is harder without trading history, but it is not automatic decline. What helps most is a signed contract or letter of engagement showing the work is there, a deposit, and a realistic view of what the truck needs to earn. Some lenders on our panel specialise in exactly this and others will not look at it, which is most of what a broker is for. All lending is subject to lender assessment and approval.
Can I finance the body or tray as well as the truck?
Yes, and it is usually cleaner to finance the finished vehicle than to buy a cab chassis and put the body on a card. Tell us the total including the build rather than the price of the chassis alone.
Does the truck have to be new?
No. Used trucks finance perfectly well, though the term available shortens as the vehicle ages, because a lender is looking at what it will be worth at the end of the loan rather than today. Hours and service history matter more than the year on the plate.
Broker or dealer finance?
Dealer finance is one lender with a target to hit. We are not.
Dynamic Finance
Working for you
- We take one application to a panel of lenders
- No manufacturer sales targets to meet
- Structures built around a working asset
- Refinance and balloon options considered
- We tell you the outcome either way
Dealer finance
Working for the dealership
- One lender, take it or leave it
- Rate tied to the sale, not to you
- Terms set to suit the deal on the floor
- Refinancing rarely on the table
- Pressure to sign on the day
How it works
Tell us about the truck
Make, model, age, hours or kilometres, and what it will be doing.
We take it to the right lenders
Not every lender understands commercial vehicles. We go to the ones that do.
Approved and earning
Documents to sign, settlement with the seller, and the truck starts paying for itself.
Get the truck sorted
Tell us what you are buying and what it will be doing, and we will come back with real options - usually the same day.