Easy Truck Loan Calculator
Want loan figures & info before applying? Use Our Truck Finance Calculator – Easy Use, Quick Estimates, Smart Planning. Estimate with Our Truck Finance Calculator Now!
This calculator comparison chart is provided for general reference purposes only. It is not in any way intended as a loan application, it is not a quote for finance or any indication that an application has been received or approved. The repayments quoted may not include all the fees and charges that may be applicable. The interest rates and the repayments displayed do not account for any conditions pertaining to your individual loan application. Therefore the interest rate and repayment you may be offered may vary from the amount shown.
Make Quick Credit Product & Interest Rate Comparisons with Easy’s Truck Finance Calculator
Interest rates are integral to the cost of heavy vehicle loans. Rates vary with the range of commercial financing products, with lenders, with new and used vehicles, and for individual businesses. Making comparisons based purely on the rate percentage can have minimal relevance to vehicle buyers. Our loan tool enables operators to simply obtain more relevant information – rate comparisons based on repayments for their choice of credit product and their vehicle price.
Simply enter different rates to see the monthly repayment that rate delivers. Enter another rate to get another repayment to compare. Enter the different rates for Rent-to-Own, Chattel Mortgage, Leasing and Commercial Hire purchase to make credit product comparisons. Comparisons that are all based on the price of the vehicles you are considering. For a rate to use as the benchmark for comparisons, use Easy’s highly competitive current rates. Or contact us for your specific rate quote.
To find the most competitive heavy vehicle loan interest rates to compare and secure, simply contact Easy. Our access to over 80 lenders gives us the resources, and our extensive experience in financing heavy vehicles, gives us the expertise to continually secure the best rates in the market. Rates will vary for individual applications. Our brokers negotiate hard on behalf of customers to ensure the best offer is secured. Request a quick quote for your best rate from Easy!
- Calculate repayments to quickly compare interest rates.
- Make quick comparisons for Leasing, Chattel Mortgage, Rent-to-Own and CHP.
- Compare Easy’s competitive rates from 80+ lenders.
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Take the smarter approach to major heavy vehicle acquisition decisions with the help of Easy’s loan calculation tool. Eliminate the unknowns of proceeding to commit to a vehicle purchase without having some idea of possible monthly repayments first. Save time, achieve greater efficiency in carrying out your business activities by considering loan options before applying.
Get loan figures, compare interest rates, calculate repayment estimates, structure loan preferences to suit cash flow, match vehicle prices to loan repayments, and more, simply and quickly with our smart financing estimator. Generate the information you need to confidently acquire vehicles with financing that will deliver on your objectives.
To start getting the figures you want, estimate a heavy vehicle loan now!
What our brokers can do for you
Save time and streamline your purchasing process by quickly changing an advertised price to loan commitment estimates. Earmark vehicles to consider with monthly commitments that are workable with your cash flow. Use vehicle prices as the loan total to enter when using the estimating tool and quickly see the repayment that price equates to. Change the price to see how much a different vehicle may cost you each month. Make decisions on top of the range models, larger or smaller capacity vehicles, new or second-hand units, purchasing ready to work or acquiring body and cab separately. The online convenience of the loan tool allows you to carry out all these comparisons while waiting at a truck stop, for your next load, while filling in your log book – whenever suits you. Start making plans to expedite the purchase of your next vehicle.
While comparing rates and estimating repayments are the main objectives of using a loan tool, users can generate much more information with this handy device. The user controls all the values that are entered. Allowing total flexibility to work up multiple combinations of loan totals, rates, terms and balloons for comparison purposes. Enter amounts that suit your business objectives – terms to work with your preferred vehicle ownership timeframe, balloon that delivers a repayment that works with your cash flow, the specific price for your selected vehicle. Control the combinations to set your budget and assist with your vehicle acquisition and financing decisions.
Talking to a broker or lender without knowing what you want in your loan, can waste valuable time in obtaining the funding to purchase your vehicle. If the purchase is an urgent replacement for an unserviceable unit, this may mean more time off the road, more lost income. Being able to provide as specific a brief as possible in the initial discussion enables our brokers to immediately source the most suitable lender and negotiate the most suitable solution. Take the time, in your time, to prepare your preferences with term, credit facility and balloon, to expedite loan offers, approval and delivery of your vehicle.
Operators of all types and sizes of businesses can use our financing tool for quick loan estimates. Owner-operators, SMEs, partnerships, family enterprises, through to large fleet operators and corporations. Individuals planning a new business can also use the tool for figures to use as a guide. Individual rates will vary, but the tool is an ideal and extremely valuable starting point for all operators to source the information they need, themselves.
Calculate estimates to make comparisons of different vehicles based on the loan commitments. Obtain information which can assist and guide the selection of a vehicle, which not only suits requirements but also attracts financing that suits the business. Compare repayments on single unit truck-trailers with buying and financing the units separately. Compare differently configured vehicles to decide on whether to upgrade to a larger capacity. Compare similar models from different brands at different prices. Make comparisons with leading badges – Mack, Isuzu, Kenworth, Volvo, Hino. Compare new fuel systems vehicles to see what savings you may make on the road and in the bank balance.
Plan Purchases by Quickly Converting Vehicle Prices to Loan Payments
Save time and streamline your purchasing process by quickly changing an advertised price to loan commitment estimates. Earmark vehicles to consider with monthly commitments that are workable with your cash flow. Use vehicle prices as the loan total to enter when using the estimating tool and quickly see the repayment that price equates to. Change the price to see how much a different vehicle may cost you each month. Make decisions on top of the range models, larger or smaller capacity vehicles, new or second-hand units, purchasing ready to work or acquiring body and cab separately. The online convenience of the loan tool allows you to carry out all these comparisons while waiting at a truck stop, for your next load, while filling in your log book – whenever suits you. Start making plans to expedite the purchase of your next vehicle.
Carry Out Multiple Functions, Comparisons to Suit Your Business & Vehicle Selection
While comparing rates and estimating repayments are the main objectives of using a loan tool, users can generate much more information with this handy device. The user controls all the values that are entered. Allowing total flexibility to work up multiple combinations of loan totals, rates, terms and balloons for comparison purposes. Enter amounts that suit your business objectives – terms to work with your preferred vehicle ownership timeframe, balloon that delivers a repayment that works with your cash flow, the specific price for your selected vehicle. Control the combinations to set your budget and assist with your vehicle acquisition and financing decisions.
Save Time Obtaining Finance – Prepare Your Loan Preferences
Talking to a broker or lender without knowing what you want in your loan, can waste valuable time in obtaining the funding to purchase your vehicle. If the purchase is an urgent replacement for an unserviceable unit, this may mean more time off the road, more lost income. Being able to provide as specific a brief as possible in the initial discussion enables our brokers to immediately source the most suitable lender and negotiate the most suitable solution. Take the time, in your time, to prepare your preferences with term, credit facility and balloon, to expedite loan offers, approval and delivery of your vehicle.
Quick Loan Estimates for All Businesses – Owner-Drivers, SMEs, Large Fleet Operators
Operators of all types and sizes of businesses can use our financing tool for quick loan estimates. Owner-operators, SMEs, partnerships, family enterprises, through to large fleet operators and corporations. Individuals planning a new business can also use the tool for figures to use as a guide. Individual rates will vary, but the tool is an ideal and extremely valuable starting point for all operators to source the information they need, themselves.
Easily Compare Heavy Vehicle Makes, Models, Configurations
Calculate estimates to make comparisons of different vehicles based on the loan commitments. Obtain information which can assist and guide the selection of a vehicle, which not only suits requirements but also attracts financing that suits the business. Compare repayments on single unit truck-trailers with buying and financing the units separately. Compare differently configured vehicles to decide on whether to upgrade to a larger capacity. Compare similar models from different brands at different prices. Make comparisons with leading badges – Mack, Isuzu, Kenworth, Volvo, Hino. Compare new fuel systems vehicles to see what savings you may make on the road and in the bank balance.
Plan, Prepare, Compare with Our Truck Finance Calculator - Save Time, Support Decision-making
- Compare vehicles based on financing estimates.
- Prepare loan preferences to expedite finance sourcing, approvals.
- Calculate multiple finance combinations, multiple vehicle configurations.
- Access truck finance tools online – use when you choose.
- Plan vehicle loans to suit cash flow, ROI, business objectives.
4 Easy Steps to Useable, Practical Truck Finance Calculator Results
It takes just 4 quick entries in our calculating tool to get useable, practical financing information to assist operators with vehicle acquisition decisions. Our device is simple to operate, making it accessible and useful for most business owners. There is no special level of mathematical skill required or any deep understanding of financing. Simply enter the amounts relating to your purchase and preferences, and the device carries out the complex computations.
The 4 steps are:
- Enter the amount you need for your loan which is typically the price of the vehicle.
- Enter the interest rate for the type of loan product required.
- Enter the preferred or any term to repay the loan.
- Enter the preferred amount of a balloon is required.
The tool calculates a monthly payment figure based purely on those values. Repeat the steps entirely or change any of the values for a figure for another vehicle or another financing structure combination. Simple steps which provide practical figures that operators can use to make better-informed acquisition and financing plans.
- Easy 4 step process.
- Delivers practical, useful figures.
- Fast, convenient use, accessible online.
What is the next step to affordable truck financing? Request a Quote for the Best Rate Loans from Easy Truck Finance
Equipped with the figures and information obtained with the loan calculator tool, operators can move more confidently to obtaining financing figures based on their specific credit profile and business credentials. Requesting a quote and applying for a heavy vehicle loans with Easy is as streamlined as using our calculator. Both can be achieved online or by phone.
Our brokers provide personal service to source the most suitable lender and best rates from our vast lender selection. We work with lenders to secure the most beneficial financing solution that best meets individual preferences and will work to support the business operation. Applications can be approved in 24 hours.
Take the next step and request a no obligation quote now!
Most Frequently Asked Questions About Truck Finance
Is GST included on estimates obtained with a truck finance calculator?
No. The calculating tool does not allow for GST when generating estimates. GST does apply to payments for Rent-to-Own and for Leasing. This would be applied by the lender when the finance contract is prepared. GST does not apply to Chattel Mortgage and CHP as the GST on the purchase is claimed at the time of purchase.
Can used truck loans be calculated using an online estimating tool?
Yes. Operators can estimate loan repayments for used trucks on an online tool, being mindful that rates and other aspects of loans can vary for new and used vehicle finance.
What is the process for allowing for a trade-in when calculating estimates?
Where the value of a trade-in is being used to reduce the purchase price, the value of the trade can be deducted from the price when used as the loan amount required. If a trade-in value is being taken in cash, the full vehicle price would be used as the loan amount.
How do I calculate truck lease payments using an online loan tool?
Leasing payments are calculated on an online loan tool by entering the interest rate for leasing from the device provider or other lender, the amount required for the lease, and the preferred term.
What types of businesses are eligible to use a heavy vehicle loan tool?
All entities with an ABN are eligible for commercial credit and can use estimates from an online loan tool as a guide for finance planning purposes.
What do I do if the repayment on the calculator is more than suits my cash flow?
Where the repayment estimate is higher than expected, users can change some of the values to reduce the monthly repayment. A longer term can be entered to allow a longer time to repay the loan and obtain a lower monthly figure. A smaller loan may be requested and that amount entered. A smaller loan requirement may be achieved by making a downpayment or selecting a lower priced vehicle.
How are truck and trailer loans calculated with an online financing tool?
Where a truck and trailer are being acquired from the same seller at the same time as a single unit, generally lenders will approve a single financing arrangement for the combined unit. For this type of loan, calculate repayments for one loan based on the full price. If the units are being sold or acquired separately, individual loans may be required for each unit. This would involve two separate sets of calculations.
What is the obligation to proceed if I use an online loan calculator?
There is no obligation to proceed further than calculating estimates when using online financing tools provided by most lenders. Users can simply use the tool.
Can loan estimates on all heavy vehicles be calculated with an online financing tool?
Yes. Loans for all types of heavy vehicles, trailers, bodies and carriers can be estimated using a finance calculator.
How do I know what interest rate to enter on a truck finance calculator?
Interest rates are individually offered based on lender assessments of credit profiles and financials. For the purpose of generating estimates using an online device, rates sourced from any lender may be used. Typically, the rates shown by the calculator provider are used.
Let Easy Truck Finance simplify the process by taking care of the complicated steps for you
