Thursday 16 Apr 2026
Rates From 6.29%
Rates From 6.29%
See Your Best Truck Loan Rate in 2 Minutes
We compare 60+ lenders and show you your exact weekly repayment — free, no obligation, no credit check.
Thursday 16 Apr 2026
Rates From 6.29%
Rating
4.9
Based on 451 reviews
Get My Free Quote
Rating
4.9
Based on 451 reviews
See Your Best Truck Loan Rate in 2 Minutes
We compare 60+ lenders and show you your exact weekly repayment — free, no obligation, no credit check.
60+ Lenders To Choose From
60+ Lenders To Choose From
How we beat the banks rates
How we beat the banks rates
How we beat the banks rates
The sharper your rate, the faster your truck starts paying for itself, that’s what we guarantee every time.
The sharper your rate, the faster your truck starts paying for itself, that’s what we guarantee every time.
The sharper your rate, the faster your truck starts paying for itself, that’s what we guarantee every time.
94%
Avg. Approval Rate
Get My Best Rate Now
Rating
4.9
Based on 451 reviews
Your Bank
Your Bank
1-3 weeks for approval
Endless paperwork
One lender, one option
1-3 weeks for approval
Multiple applications required
One lender, one option
Credit check upfront
Credit check upfront
Still waiting around
14 + Days
Average time to settle
Average time to approval
Motive Finance
Motive Finance
One 2-minute application
One 2-minute application
Most approved same day
Most approved same day
60+ lenders competing
60+ lenders competing
No credit check to apply
$0 hidden fees, ever
Good to go!
4 Hours
Average time to settle
Average time to approval
Why truck buyers choose Motive Finance
Best Rate Guarantee: We'll beat any rate you find
Same Day Pre-Approval: Most clients approved within 4 hours.
No Credit Check: See your rate without any impact to your score.
Get My Best Rate Now
Rating
4.9
Based on 451 reviews
Why truck buyers choose Motive Finance
Why truck buyers choose Motive Finance
Most buyers only see one rate. We show you what 60+ lenders would offer on the same truck
Best Rate Guarantee: We'll beat any rate you find
Same Day Pre-Approval: Most clients approved within 4 hours.
No Credit Check: See your rate without any impact to your score.
Our Process
Our Process
Our Process
We exist to cut through the banking bureaucracy. We manage the banks so you can manage your business.
01
Discover
We analyse your complete financial position. We look beyond the asset to understand how new debt impacts your liquidity and future borrowing power.
02
Structure
We engineer the deal. We map out the exact loan term, structure, and balloon payment required to keep your weekly repayments as low as possible.
03
Compete
We take your file to our panel of 60+ commercial lenders. We make the market fight for your business to secure the sharpest possible rate and conditions.
04
Settle
We handle the red tape and push the paperwork across the line. The funds land in the account so you can pick up the keys and get back to work.
The Motive Advantage
The Motive Advantage
The Motive Advantage
We operate as an extension of your business. We structure your debt to defend your bottom line and ensure you have the working capital ready for your next big move.
We operate as an extension of your business. We structure your debt to defend your bottom line and ensure you have the working capital ready for your next big move.
Leverage Our Network
One submission goes across our full panel. The lenders compete for your business.
Speed to Capital
Market opportunities do not wait for banking bureaucracy. We cut through the red tape and accelerate the approval process so you have the funds sitting in your account when you need it most.
Strategic Leverage
We play the long game. Every deal is designed to build your commercial credit strength, making your next funding round even faster when it is time to scale again.
Recent words from our clients this week
Recent words from our clients this week
Get My Best Rate Now
Why Aussies trust us
Why Aussies trust us
Why Aussies trust us
We run a small family business and needed a new trailer before Christmas. Motive got it sorted within two days. Ella kept us updated the whole time and made it so easy. We’ll be using them again when we’re ready for our next upgrade.
Steve K.
Electrician | Sydney NSW
First time getting finance for my business, so I had no idea where to start or what I needed to do before picking up the excavator. Jaden and Ella spent 45 minutes on the phone explaining everything in detail. A day and a half later, the finance was settled!!!
Shannon B.
Earthmoving Contractor | Brisbane QLD
We’d been running on an old truck that kept breaking down. Motive helped us refinance and upgrade. Our repayments dropped by $480 a month. More cash in the business now and way less stress. Couldn’t recommend them enough.
Sarah W.
Freight Transport | Geelong VIC
Paperwork does my head in so I kept putting it off. Motive made it easy as. Sent a couple docs, had a quick yarn, and my ute finance was sorted that same day.
Mick J.
Carpenter | Gold Coast QLD
Jaden was very helpful and patient, answered all of my questions and found me a suitable lender in less than 24 hours. Jaden also called me back to talk me through the contract and app and made sure everything was clear to me.
Kristian
Residential Builder | Newcastle NSW
We had two big jobs overlap and needed quick working capital to keep the crew moving. Motive sorted the loan faster than our older bank manager could return a call..
Brooke S.
Transport Operators | Mildura VIC
He actually knew what he was talking about and showed me where I was getting stung on my old loan. Ended up refinancing and saving nearly six hundred a month.
Carlos T.
Logistics | Adelaide SA
I don’t usually leave reviews but these guys actually cared. Everything was explained in plain English. They kept me in the loop and got it approved faster than expected. Feels good working with people who know the game.
Lachlan T.
Machinery Transport | Geelong VIC
Just started my own business last year so I didn’t think I’d even qualify. Jaden looked through everything and explained how to get it across the line. Got my first truck financed and now I’m already lining up the next one.
Eddie S.
Owner Driver | Shepparton VIC
I was ready to give up after two brokers mucked me around. Jaden had my pre-approval sorted in a day and found me a rate under 7%. Didn’t waste my time, just got it done. Now I’ve got my Kenworth on the road and work lined up for the next month. Legend
Dean W.
Owner Driver | Wagga NSW
We’d been running on an old truck that kept breaking down. Motive helped us refinance and upgrade. Our repayments dropped by $480 a month. More cash in the business now and way less stress. Couldn’t recommend them enough.
Sarah W.
Freight Transport | Geelong VIC
Paperwork’s not my thing so I usually put this stuff off. The Motive team made it stupidly easy. I sent a few docs, had a quick call, and my ute finance was approved the same day.
Mick J.
Carpenter | Gold Coast QLD
We had two big jobs overlap and needed quick working capital to keep the crew moving. Motive sorted the loan faster than our older bank manager could return a call..
Dean R.
Machinery Transport | Geelong VIC
Just started my own business last year so I didn’t think I’d even qualify. Jaden looked through everything and explained how to get it across the line. Got my first truck financed and now I’m already lining up the next one.
Lachlan S.
Builder | Sunshine Coast QLD
We’d been running on an old truck that kept breaking down. Motive helped us refinance and upgrade. Our repayments dropped by $480 a month. More cash in the business now and way less stress. Couldn’t recommend them enough.
Sarah W.
Freight Transport | Geelong VIC
We had two big jobs overlap and needed quick working capital to keep the crew moving. Motive sorted the loan faster than our older bank manager could return a call..
Brooke S.
Transport Operators | Mildura VIC
Just started my own business last year so I didn’t think I’d even qualify. Jaden looked through everything and explained how to get it across the line. Got my first truck financed and now I’m already lining up the next one.
Eddie S.
Owner Driver | Shepparton VIC
Jaden was very helpful and patient, answered all of my questions and found me a suitable lender in less than 24 hours. Jaden also called me back to talk me through the contract and app and made sure everything was clear to me.
Kristian
Residential Builder | Newcastle NSW
Paperwork’s not my thing so I usually put this stuff off. The Motive team made it stupidly easy. I sent a few docs, had a quick call, and my ute finance was approved the same day.
Mick J.
Carpenter | Gold Coast QLD
Get My Best Rate Now
Get My Best Rate Now
Before you talk to a dealer, talk to us
Before you talk to a dealer, talk to us
Before you talk to a dealer, talk to us
Whether the truck is on the yard or still being negotiated, we’ll line up finance that fits your business and doesn’t box you in later.
Whether the truck is on the yard or still being negotiated, we’ll line up finance that fits your business and doesn’t box you in later.
Whether the truck is on the yard or still being negotiated, we’ll line up finance that fits your business and doesn’t box you in later.
Rating
4.9
Based on 451 reviews
Get My Best Rate Now
Get My Best Rate Now
Got questions?
We’ve got answers
Got questions?
We’ve got answers
I’ve received a quote elsewhere. Can you beat it?
Can I pay out the loan early?
I’ve received another quote elsewhere. Can you beat it?
Can I apply for a truck loan with bad credit?
Can I apply for a truck loan with bad credit?
How fast can I get approved and on the road?
Why should I go through you instead of my bank?
Can I get approved with no deposit?
Can I pay out the loan early?
Why should I go with Motive instead of my bank?