Credit One offers Smarter Finance for businesses of all sizes, right across Australia.
You want to grow your business and we want to help you succeed, that is why we are experts in seeking finance options to suit your needs in order to help you grow.
Personal Loans are a great way to consolidate your loans and credit cards into one easy to manage payment. With rates at an all time low we could save you thousands on interest.
Maybe you are dreaming of a holiday? Funding for your dream wedding or some much overdue home renovations? We can assist with so many options and the process is quick and easy. Click any of the links to find out how.
Features of a Personal Loan
You can borrow $5,000 or more
You have the options of choosing a loan term from one to seven years
The loan options include a choice of fixed and variable interest rates, low or no early termination fees
Credit One, the specialists in Caravan, Camper Trailer, RV, Boat, Jet Ski and Yacht Finance.
Want to embark on a trip around Australia or take your children camping and sailing for the weekend? Credit One has low rate finance solutions for all types of recreational vehicles.
The Credit One Group commenced operation in Brisbane during the late 1990's.
Since it's humble beginnings, Credit One Group has over 100 brokers nationally who service both consumer and commercial client's throughout Australia and New Zealand with offices in most major cities.
We'll get you on the road sooner with our Low Doc options up to $500k and 'No financials' options available up to $150k!
Credit One specialises in arranging truck & trailer loans and leases to suit your business's needs ranging from 4WD's to prime movers & even buses.
We treat you as a person and are focused on helping your business suceed. When you deal with us, you deal with the same dedicated finance specialist every time. We become familiar with your business and ensure we are getting you to get the best finance deal for your individual circumstances.
Part of our dedicated service is ensuring you can manage repayments. Many transport businesses work on seasonal income so it is important to align your repayments with cash flow. We can arrange structured fixed repayments on terms up to 7 years. This assists with forward business planning and budgeting.
The information which you calculate from this Calculator is intended for use by you as a guide only. See more in our Disclaimer.
It is not an offer and has no legal effect on any contracts entered into by you ‘ the client’. This simulation and the resulting calculations do not constitute a loan application or offer. The figures and formulae used within this calculator may change at any time without notice.Should you apply for any Credit One product, we will make our own calculations and we will not necessarily take your calculations into account. All Interest rates are displayed ‘are guides ONLY’, repayments as a result of this simulation have no legal offering.Credit One accepts no responsibility for any losses arising from any use of or reliance upon any calculations or conclusions reached using the calculator.Information provided on this calculator does not constitute an offer of finance. Any loan request is subject to assessment against normal lending criteria. Fees and charges may apply. This calculation does not take into account any fees, charges or government taxes which may apply to either the calculation of the loan amount or the monthly repayments, such as GST or Luxury Car Tax (where applicable).
All types of companies, business entities, and organisations can apply for truck finance, provided that they meet the minimum eligibility requirement of having a current ABN. Eligible applicants should also provide products or services that are primarily for business use (at least 50%).
Truck financing offers various loan options such as Chattel Mortgages, Commercial Hire Purchase (CHP), Asset Leasing or Operating Leases, and Rent-to-own/Rent-to-buy.
Depending on the type of truck loan, the loan term can range from 3 – 5 years, with shorter terms resulting in higher monthly repayments but a faster path to ownership or lease completion. Conversely, longer loan terms will require lower monthly repayments spread over more time to repay the loan and own the truck.
The Process for Getting Finance for Trucks
Getting a truck loan with the help of Credit One’s brokers can help you manage your business cash flow more effectively with a repayment plan that is tailored to your needs. Here are the specific steps to take in order to access truck financing:
Set a budget for the loan
Before applying for truck loan, you should determine how much you want to borrow with a truck loan. Be sure to do your research on the type of trucks that you would like to purchase to get clear picture of the amount of funds you need for the purchase. You can also use a truck finance repayment calculator to get an estimate on how much you will need to pay for the loan each month.
Review applicable loans
Once you have an idea of the funds you need for truck financing, our brokers at Credit One will work closely with you to obtain a list of loan terms from our wide network of approved lenders. We will find the best loan rate and terms for your business based on the information you have provided us.
Submit a loan application
After reviewing the loan terms to ensure that they are agreeable with your business’s circumstances, Credit One can lodge the loan application on your behalf with the lender. Depending on the loan, you may be able to receive a pre-approval that allows you to start preparing for the truck purchase in advance before receiving the funds.
Receive the funds and make repayments
Once the funds have been transferred to you, all that is left is for you to make the planned truck purchases. Your business will be required to continue making repayments for the duration of the loan term.
How Much Will I Be Able To Borrow?
How much your business will be able to borrow for truck financing will depend on several factors such as the type of loan, the term of the loan, and the frequency of your loan payments.
At Credit One, we can offer loans up to $500k for low-doc finance, where businesses provide self-declared and no-declared income assessments and assets. 'No financials' loan options are also available up to $150k.
What Kind of Trucks Can I Get a Loan For?
Credit One’s truck finance can enable your business to get on the road faster with all types of commercial vehicles from heavy-duty trucks to smaller vehicle models. Trucks that are suitable with our loan financing options include:
Box Trucks
Buses/Coaches
Compactors
Crate Trucks
Dump Trucks
Vans
Flatbed Trucks
Prime Movers
Refrigerated Trucks
Tipper Truckers
Water Trucks
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