Rated 5-stars on Google
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Our experts make getting the best loan simple





























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In Finance Secured
Rated 5-stars on Google
Borrowing for trucks can feel complicated when you go it alone, especially with different lenders offering different rates, terms, and paperwork requirements.
We simplify the entire process by:
You get the right finance, structured the right way, with zero guesswork.
What You Want
How We Make It Easy
A competitive rate without the bank runaround
We compare a wide panel of lenders and negotiate on your behalf
A clear, personalised quote
We assess your scenario upfront with no impact on your credit file
A simple application process
We handle the paperwork and guide you step-by-step
Confidence you’re choosing the right loan structure
We explain the options in plain English and recommend what suits your business
Fast approval so you can get on the road
We work with lenders known for quick, efficient turnaround times
When you apply with us, you’ll be guided through a simple, four-step process:
Tell us what truck or heavy vehicle you need.
We review 50+ lenders to find the right loan structure.
Most approvals are completed within 24 hours.
Funds are released quickly so you can drive away and get to work.
We offer terms from 1–7 years, low-doc and full-doc options, balloon payments, and no early termination costs on select agreements.
often within the same day
more choice, better deals
loan structures to suit cash flow
perfect for self-employed operators
save money on new vehicles
no matter where you’re based in Australia
I had the pleasure of working with James at Rivercity Finance for financing some business equipment, and I couldn't be happier with the experience. After dealing with a few brokers, it was clear that James stood out as the best. He was knowledgeable, professional, and truly understood my needs. James took the time to explain the options available, ensuring I felt confident in my decisions. His responsiveness and dedication made the entire process seamless and stress-free. If you're looking for reliable finance solutions, I highly recommend reaching out to James at Rivercity Finance!
James was amazing to deal with! He was efficient, knowledgeable and made the entire car finance process stress-free. We were approved within a day, which was way faster than we expected with a great outcome. Highly recommend his services – thank you James!
Andy is amazing at what he does. He has helped me get the loan I required for my car so easily and quickly. He has been so easy to communicate with and has kept me updated on every step. He has explained every process that needed to be done in a way that was easy to understand. I would 100% recommend going with him if you want a simple and easy stress process.
Andy helped me with my latest vehicle purchase. And when i say he helped, he went above and beyond with sorting every last detail and process with purchasing a car. Even when i was dealing an extremely poorly run dealership, Andy was in my corner fighting for me. Best person I've dealt with in any form of business/finance and Allround awesome bloke.
Andy was a pleasure to work with and kept us updated at all times. Highly recommend!
I recently did my finance through River City Finance and had the pleasure of working with Matty Woods. He was professional, knowledgeable, and incredibly easy to deal with. He kept me updated every step of the way and made the whole process smooth and stress-free. I genuinely felt like he had my best interests at heart. Would highly recommend Matty and the team at River City Finance to anyone looking for reliable and honest financial help.”
I recently worked with Financial Advisor Andy Ruyl from Rivercity Finance to secure a car loan, and I couldn't be happier with the experience. He was incredibly easy to deal with—professional, friendly, and always approachable. His knowledge and expertise made the whole process smooth and stress-free. Everything was clearly explained in simple terms, which really helped me feel confident and informed throughout. Highly recommend to anyone looking for financial advice or loan assistance!
Outstanding service, nothing too much trouble! Questions and queries followed up and answered promptly and with respect. I have not purchased a car for a long time these guys made the experience a pleasant process rather than a chore!! Highly recommend!!
Great business to work with. Process made extremely easy with regular contact and a no pressure approach. Worked with me to get the car I wanted with and all the options I wanted. Will be first contact on future finance.
Andy is an absolute legend, helped me get my dream car with no stress or problems. Super easy to chat to.10/10 in my book. Absolutely recommending him to friends and family
Thank you Andy from River Finance for making the whole process fast and easy. Highly recommend and will definitely be back.
Was an absolute pleasure dealing with Andy in the purchase of 2020 Raptor. I had a quite complex situation and Andy was able to be the go between with myself and the dealer to successfully require my dream car . Would absolutely recommend anyone go see Rivercity.
Nothings too difficult for Andy, he went above and beyond. Very happy with all communications throughout the process. Would happily refer all friends and family his way.
Andy has 5 star reviews because Andy is amazing. I have never engaged with anyone during a financial process in my life, like Andy [and I'm over 50] . From the first phone call to the last text message on a Saturday morning asking about my my new car, it has been an extraordinary experience in the most positive way. This was such a quick easy and hassle free process. I never once had to chase him, he listened, has attention to detail, knows what he's doing and has a warm, engaging friendly personality. Sometimes I read reviews and I think that can't possibly be true about that person but it is with Andy. Even the sales executive at the dealership said he had never dealt with anyone as efficient and lovely as Andy. I thought that was very high praise indeed as the dealership would deal with banks and brokers from all over Australia. I will recommend him to everyone...and I think you'd be stupid not to use Andy!
Excellent service in comparison to multiple other broker’s I spoke to. The process was smooth and easy and I would highly recommend Andy and the Team. 👍🏽
We had an incredible experience with Andy, Very Genuine Guy! Helped us with a smooth process for a new business vehicle. His communication was excellent, keeping us informed every step of the way. He's an expert in his field 🙂 Worked out a great deal for us, he's a total pleasure to deal with. Highly recommended, Will reach out to him again for sure!
Exceptional Service from Andy at River City Finance! I can't thank Andy from River City Finance enough for the outstanding help he provided to my husband with securing his loan. From the start, his attention to detail was impeccable, and he went above and beyond to make the entire process as smooth as possible. His communication was superb, keeping us informed every step of the way. What typically is a stressful and overwhelming experience was made easy thanks to Andy's expertise and dedication. He truly streamlined the entire process and made sure we felt confident and well-supported throughout. My husband and I are beyond happy with the service we received—Andy really went the extra mile. Highly recommend River City Finance if you want a stress-free experience!
Andy Top bloke . Finance for a work vehicle made not just easy but enjoyable. Was able to have a laugh and general chat whilst staying professional . Never felt like a number more a friend Cant recommend enough if you need Finance Andy and his team are the way to go . Very informative gave all options different lenders not pushy at all . 100% any future finance will be heading to Rivercity Finance Thanks Andy
I had such a great experience with Andy guiding me and talking me through all of the details of my car loan. He got me the best deal, followed up with the car agency and the communication was on point all along. Plus, he also explained to me the reason being on interest fees and all other financial aspects that I have limited knowledge. I can't recommend Rivercity finance enough to anyone who is looking to get a loan, whatever the form.
Andy was fantastic. The whole experience was smooth and easy. The absolute best customer service. If you're looking for finance this is the best person for the job.
Thanks Andy for the easy process to purchase my new vehicle. Appreciate the personalised services that you offer!, fast response times and going the extra mile to get things completed! Highly recommended Aaron
I worked with Andy who helped me finance my first car. I am currently 21 and the thought of financing a car on my own was a huge commitment for me. I’m so grateful to Andy and the Stephen from Brisbane car yard . Andy was fantastic with processing everything for me, he was very efficient as well. I managed to get my car within a week of picking it , which was incredible. I highly recommend him to anyone and I am forever grateful for his wonderful service .
I Delt with Richard when buying my car thru brisbane car yard and he made the entire process easy and not stressful what so ever is communication was next level and got everything sorted for me in around my busy work life thank you Richard I will 100% be coming back to you for future loans
My wife and I just purchased a new car and did our finance through Rivercity. Richard was amazing and very professional throughout. He made the process so easy, and kept us updated along the way and we were super happy with the rates he got us. Thanks again Richard! Highly recommend.
Andy at River city was prompt and efficient dealing with my application. Took care of everything, but made sure I was kept in the loop every step of the way. He even went that little bit further, found a vehicle that suited me and got $2k knocked off the price. Definitely recommend.
Andy was absolutely fantastic! extremely helpful with any questions I had and kept me informed throughout the whole process. constantly ensuring that I knew what was going on. He went above and beyond, making the experience so much easier and stress-free throughout the entire process. Would 100% recommend!
Andy made this process comfortable an easy, I couldn’t be more satisfied. He was very professional and always answer my calls and questions, This was my second car he has helped me with. Highly recommended!
If you want someone that takes all the hassle out of getting a new car etc, well then see Andy 🙂 he goes above & beyond, to make the experience as easy as possible. He does absoultely everything, all the hard work so you don't have do, who really wants to do the bargaining with a dealer (I don't). He goes above & beyond & keeps you updated every step of the way, even on the weekends (when he should be having a break). Thanks so much 🙂 im loving my new car & I even let my husband drive it today on the way home. See you next time, Cheers Ronnie 🥰
Just secured my first business loan with the help of Andy. He was very professional, tentative and proactive, he made the whole process a breeze and even help find the car. I would like to say big thank you to Andy and would definitely recommend to everyone and be back for more services in coming years!!
Perfect service perfect communication fantastic interest rates. Highly recommended and will use again. Thanks Richard.
I had the pleasure of working with Andy to secure a personal loan, and I couldn’t be more satisfied with the experience. From the start, Andy was incredibly professional, knowledgeable, and attentive to my needs. He took the time to thoroughly explain my options and made the entire process smooth and stress-free. Andy was always available to answer any questions I had and made sure I felt comfortable every step of the way. Thanks to his expertise and dedication, I was able to secure the loan quickly and with favorable terms. I highly recommend Andy to anyone looking for a reliable and efficient broker!
Andy has been nothing but a dream to work with. Answed questions with patient polite and friendly service. Pushed through with urgency understanding the situation. Can't recommend enough.
Brilliant service, very responsive and very understanding of the clients needs
Andy was so awesome to deal with. He sorted our finance and locates a car for me. It was a hassle free one stop shop with Andy. Great service and an all round awesome guy. Thanks again man
excellent person to deal with , simple but helpful !!!
Would recommend extremely good support all the way though the process, very easy and fast, communication was excellent and was given updates constantly. Go with RiverCity Finance!
Matt has been a pleasure to deal with! Prompt Knowledgeable Helpful Highly recommend!
I highly recommend using RiverCity if you need to finance a new car. They were easy to work with and helped us secure the best deal for our company car. I've used them twice now and had a great experience both times.
These bloke are a breath of fresh air really no there stuff and get straight down to the business end off the deal really a joy to deal with promp service and constantly doing there best work for the customer thanks rivercity it’s a pleasure doing business with you guys
Had begun finance elsewhere until i came across Rivercity Finance. Andy immediately knew he could get our business a better deal which saved us thousands!! Fast, quick response. Excellent communication. Will definitely be return customers.
Andy is Very professional and really easy to deal with.got my loan approved fast and easy with him.
I dealt with Andy, he offers exceptional help and always returns messages and phone calls, there is no task too hard for him and deals with his customers as if he knows them personally. Definitely would recommend!
Came across this company through Google and the next morning after a 3 minute chat Andy Ruyl had got me a better rate then I could find after a lengthy search and sensed my excitement about the purchase and had everything laid out in front of me and kept me in the loop through every stage of the application....Top Job mate
Highly recommend Andy! Great communication and easy application process!
Dealing with Andy was an absolute breeze. It's awesome dealing with someone that actually wants to assist not just say they do Could not recommend him highly enough.
If i could give James 10 stars i would. Best broker, I have ever dealt with, and I would highly recommend him to anyone. Solid effort and painless as possible. Right onto things, doesn’t stuff you around and gets things done, always returns your calls. Can’t say the same for any other broker that I have ever use. Thanks mate.
Andy was a pleasure to deal with and very helpful and kind. He went above and beyond to get my car loan across the finish line. The whole process was smooth and communication open and honest from the start. I highly recommend Andy and Rivercity Finance. I am so grateful for all Andy’s hard work and will refer him at any time possible. Thank you.
Great and transparent service Andy was so good to deal with and made the whole process so easy and stress free
Look no further than Rivercity Finance! Andy took great care of me along the way to get a new ute. Andy got me a great deal and helped every step of the way and also helped me find a vehicle along the way! They definitely go the extra mile for their customers. If you’re looking for a top notch broker you’re at the right place. I’ll definitely be in touch when looking for other finance in the future. Thanks again!
Andy was very helpful and got everything sorted real quick. There was no stuffing around… recommend anyone looking for finance to reach out to Rivercity finance. Couldn’t be more happier!
Every business is different — and so are your finance needs. That’s why we offer a wide range of truck loan options, designed to give you flexibility, control, and the best outcome for your situation.
A chattel mortgage is one of the most common ways to finance a truck in Australia. With this option, the lender provides funds for the purchase while you take ownership of the truck from day one. The lender then uses the truck as security until the loan is repaid.
This structure is especially popular with businesses registered for GST, as you may be able to claim back the GST paid on the purchase price in your next BAS, plus interest and depreciation over time. A chattel mortgage is a good fit if you want ownership of the vehicle upfront and plan to keep the truck long-term.
With a hire purchase agreement, the lender technically owns the truck while you make regular fixed repayments. Once the final repayment (and any balloon payment, if applicable) is made, ownership transfers to you.
This option is useful if you want predictable repayments and prefer not to tie up working capital upfront. Many small transport operators choose hire purchase because it provides the flexibility of use while spreading costs over the loan term.
A finance lease allows your business to use the truck while the lender retains ownership. You make regular lease payments for an agreed term, and at the end you usually have the option to buy the truck by paying a residual amount, refinance the residual, or upgrade to a new vehicle.
Leasing is often chosen by businesses that want to preserve cash flow while still keeping fleet vehicles up to date. It’s also attractive for operators who prefer not to commit to long-term ownership.
An operating lease is a fully maintained rental arrangement where you use the truck for a fixed period and return it at the end of the term. Because you don’t take on ownership, you also avoid the risks of depreciation and resale.
This type of loan suits businesses that upgrade vehicles regularly, want fixed costs for budgeting, or prefer not to have trucks on the balance sheet. It’s particularly popular for larger fleets and companies looking to simplify their asset management.
A novated lease is a salary packaging arrangement between an employee, their employer, and the lender. The employer makes the lease payments on behalf of the employee using pre-tax income, which can deliver significant tax benefits.
While more common for cars and light commercial vehicles, some employees may be eligible to package a truck (depending on their role and employer policies). It’s a useful option for individuals looking to structure repayments in a tax-effective way.
If you’re self-employed or running a small business without up-to-date financials, low-doc truck loans can help. Instead of providing full financial statements, you can qualify using minimal documentation such as an ABN, GST registration, and proof of income through bank statements.
These loans are faster to approve and give you access to essential equipment without unnecessary paperwork delays. They’re a strong option for contractors, start-ups, and sole traders.
Already paying off a truck loan? Refinancing can save you money by securing a lower interest rate, extending the loan term, or consolidating multiple debts into a single repayment.
Many of our clients refinance when their business grows or their credit profile improves. We compare lenders and renegotiate terms to help you cut costs and improve cash flow, while keeping your business moving forward.
Truck finance in Australia gives business owners, ABN holders, and transport operators the ability to purchase trucks and heavy vehicles without needing to pay upfront in full. It works by allowing you to borrow funds to acquire a vehicle and repay the loan over time in manageable instalments.
Whether you’re buying from a dealer or privately, new or used, truck finance ensures you get the vehicle you need now — without tying up your business capital. At Rivercity Finance, we guide you through the right structure to ensure the loan is tailored to your operations, whether you’re a sole trader or a national fleet manager.
With so many finance products available, knowing which truck loan structure is best for your situation can be tricky. From chattel mortgages and hire purchase agreements to operating leases and novated leases, each comes with pros and cons depending on cash flow, tax treatment, and your long-term goals.
At Rivercity Finance, we take the time to understand your business and explain your options in plain English. Whether you’re looking to reduce tax, upgrade regularly, or keep repayments low, we’ll recommend a structure that works for you.
One of the biggest frustrations borrowers face is delay. At Rivercity Finance, we speed up the process by placing your application with the right lender the first time — no multiple submissions, no unnecessary credit checks.
Our team knows what documentation lenders want to see, and we help you present it right the first time. That’s how we maintain a 96% first-time approval rate and get most clients approved in 24 hours or less.
We know that small business owners and sole traders often get overlooked by the big banks. That’s why we specialise in supporting operators with limited paperwork, fluctuating income, or unique finance needs.
Whether you need a low-doc truck loan, flexible repayment options, or someone who actually understands your business, we’re here to help. Our brokers work with ABN holders across every state to deliver real outcomes, not cookie-cutter solutions.
Here are some of the questions we commonly get asked. Whatever your scenario, if you complete our quick quote form we will find the best finance solution and walk you through it
Yes. We work with start-ups, sole traders, and ABN holders every day. Even if your business is new, we have low-doc and flexible lending options that make approval possible.
We finance all types of trucks and heavy vehicles, including: prime movers, light and medium trucks, refrigerated trucks, tippers, trailers, concrete agitators, and construction vehicles.
Yes. Although we’re based in Queensland, we provide truck finance in Brisbane, Sydney, Melbourne, Perth, Adelaide, Darwin, Hobart, and everywhere in between. No matter where you’re located, we can assist.
Many clients receive same-day approval once documentation is supplied. On average, approvals are finalised within 24 hours, which means you can buy and get back on the road quickly.
No. We only submit your application to the most suitable lender once we’ve assessed your situation. This avoids multiple enquiries on your credit file, which can hurt your score.
Absolutely. We provide truck loans for both dealer and private sales, as well as new and used vehicles.
Truck finance terms typically range from 1–7 years. We’ll recommend the structure that best suits your budget and cash flow.
Yes. For self-employed operators or small businesses without full financials, we offer low-doc and alt-doc options designed to get you approved without mountains of paperwork.
For full-doc truck finance, you’ll usually need proof of identity, ABN details, recent bank statements, and financials (if available). For low-doc applications, requirements are minimal — often just an ABN and GST registration.
Whether it’s a prime mover, light commercial truck, or fleet upgrade, Rivercity Finance is here to make it happen.