Trailer finance for whatever you haul
Box, plant and car-carrier trailers, horse floats and semi-trailers, for business or personal use.
- Free to compare
- A specialist partner broker, start to finish
- No credit score impact
Typical ranges only. Actual limits depend on the lender and your circumstances.
Example rate only: not a comparison rate, quote or offer of credit. Your rate depends on your credit profile, the lender and the asset. Excludes fees and charges.
How trailer finance works with us
Lenders treat trailers differently by type and use: a tradie’s tag trailer, horse float and B-double each need a different approach.
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Your broker matches you with the right lender and structure, business or personal.
- Box and tradie trailers
- Plant and tag trailers
- Car carriers
- Horse floats
- Semi-trailers
- Enclosed trailers
Business or personal
Finance through your ABN or personally.
All trailer types
Small box trailers to heavy transport trailers.
Bundle with vehicle
Buy the truck or ute and trailer together.
Private sales
We check for money owing and pay the seller.
How trailer type and use affect finance options
Lenders treat trailers differently by size, type and use: small trailers may suit a personal or modest loan, while plant and semi-trailers often use asset or transport finance. Minimum loan amounts and bundling with a vehicle also matter.
Read the full explanation
Trailers range from small box trailers to heavy plant trailers and semi-trailers, and lenders treat them very differently. Small trailers are often low-value, so a personal loan or a modest business loan may be simpler than asset finance. Plant trailers, car carriers and tippers used in a business may suit a chattel mortgage. Semi-trailers and B-double sets are usually financed by transport lenders who also look at the prime mover and the work.
Use matters too. A horse float used for recreation is usually a personal purchase, while one used by a professional trainer may be a business asset. Some lenders have minimum loan amounts, which can rule out finance on cheaper trailers. Others are happy to bundle a trailer with a ute or truck purchase. Your broker can tell you whether it is simpler to finance the trailer on its own or as part of a bigger deal.
- Tradies needing tag or plant trailers
- Transport operators adding semi-trailers
- Horse owners buying floats
- Businesses bundling trailer and vehicle
Pros and watch-outs
Pros
- Personal and business options
- Can bundle with a vehicle purchase
- Private sales may be considered
- Wide range of trailer types
Watch-outs
- !Fees can outweigh the benefit on small trailers
- !Custom builds may be harder to value
- !Semi-trailers usually need transport-specialist lenders
Costs and fees to compare
The interest rate is only part of the cost. Ask your broker to show these side by side.
Interest
Varies with trailer type, loan size and personal or business use.
Minimum loan amounts
Some lenders have a minimum, so small trailers may need another product.
Fees
Establishment fees can be large on a small loan; check total cost.
Registration
Rego and any compliance or inspection costs add to the outlay.
Insurance
Some lenders require insurance on higher-value trailers before settlement.
Tips to strengthen your application
- 1On small trailers, compare total cost; fees can outweigh interest
- 2Ask whether bundling with your ute or truck is simpler
- 3For custom builds, get a detailed invoice and compliance plate details
- 4Run a PPSR check before buying a used trailer privately
What you’ll need
What you’ll need
- ABN and business registration
- Driver’s licence for each director or owner
- Recent business bank statements
- BAS or financials (full-doc loans)
- An invoice or quote for the asset
- Buying personally? Personal ID, payslips and bank statements
What lenders look for
- An active ABN (some lenders want 12 months+, others accept newer)
- GST registration for larger or low-doc deals
- Business use of the asset (usually more than 50%)
- Directors or owners with clear credit, or a good explanation
First chat to funds in four steps
How it works in detail →- 1Tell us what you’re after
- 2Meet your broker
- 3Compare and choose
- 4We handle the rest
Trailer finance: common questions
Can I finance a small trailer?
Yes. Smaller trailers are often financed with a personal loan or small business loan.
Can I finance a horse float personally?
Yes. Personal loan options suit floats bought for private use.
Are semi-trailers financed differently?
Heavy transport trailers are usually financed through transport specialists, often with the prime mover.
Used trailers?
Yes, subject to condition.
Can I add a trailer to my existing car loan?
Usually not directly, as most loans are fixed once settled. You may be able to take a separate loan or refinance both together. Your broker can check what makes sense.
What do I need to finance a custom-built trailer?
Typically a detailed builder's invoice, compliance details and sometimes a VIN or plate once built. Some lenders only settle once the build is complete. Requirements vary by lender.
Is a caravan the same as a trailer for finance?
Not quite. Caravans are usually financed with specific caravan or recreational loans, while work trailers are often business assets. The lender and structure may differ.
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