Truck Finance Sunshine Coast

AGM Finance aims to deliver pre-approval within 24 hours for most applications. Depending on the lender and the complexity of your situation, formal approval can take anywhere from a few hours to 48 hours. As a premium brokerage firm, our applications receive priority processing with the majority of our lender panel.

Yes. AGM Finance works with lenders who offer no-deposit truck loans for eligible borrowers. This means you can secure a truck without tying up working capital upfront. Eligibility depends on factors including your credit history, business trading history, and the value of the asset.

We do. AGM Finance arranges used truck finance for vehicles of all ages, including older models that many mainstream banks will not consider. Our lenders finance used trucks from private sales, dealerships, and auctions. The key factors are the truck’s condition, intended use, and your capacity to service the loan.

AGM Finance arranges finance for virtually any commercial truck: prime movers, rigid trucks, tippers, pantech trucks, refrigerated vehicles, tray trucks, crane trucks, and more. We also finance trailers, dog-trailer combinations, and ancillary transport equipment.

Not always. We offer a range of low-doc truck finance products that do not require full financial statements. Typical low-doc requirements include a two-year ABN, clear credit history, and a property-owning director or 20% deposit. Larger loan amounts may require supporting documentation.

Rates through AGM Finance start from 5.99% and can be fixed for the life of the loan, giving you certainty over your repayments. Your rate depends on your credit profile, the age and type of vehicle, the loan amount, and your chosen finance structure.
Because we compare rates from over 60 lenders, we can often secure more competitive pricing than going directly to a single bank.

Yes. AGM Finance regularly assists Sunshine Coast transport operators with fleet truck finance. We structure multi-vehicle packages across different lenders when needed, maximising borrowing capacity while keeping each deal competitive. You deal with a single point of contact throughout the process.

With a chattel mortgage, you take ownership of the truck from day one and the lender holds a mortgage over the asset. With a commercial hire purchase,  the lender owns the truck during the term, and ownership transfers to you after the final payment. 

Both structures offer tax benefits for business use. Our brokers can explain which option best suits your circumstances.

Requesting a quick quote through AGM Finance does not impact your credit score. We gather your details and provide indicative options before lodging any formal application. When a formal application is submitted, a credit enquiry will be recorded, but our brokers target the right lender the first time to minimise unnecessary enquiries.