Trailers lenders routinely finance
- Flat tops, drop decks and extendables
- Curtainsiders and pantechs
- Tipper and side-tipper trailers
- Refrigerated trailers (fridge vans)
- Skel trailers, dollies and B-double sets
- Low loaders and plant trailers
Because trailers have long service lives and a deep resale market, age rules are more relaxed than for prime movers — quality gear 15+ years old is still financeable with the right lender, usually on a shorter term.
Standalone or bundled with the truck?
Both work. Bundling a prime mover and trailer into a single settlement is administratively simpler and can strengthen the deal (more security for the lender). Financing the trailer separately keeps flexibility — you can sell or upgrade one asset without touching the other facility. A broker will price both ways; the answer usually comes down to which lender is sharpest on each asset. Read the truck finance guide for how the underlying structures work.
Typical structure
Chattel mortgage over 3–5 years, balloon 0–30%. New trailer packages from major manufacturers often attract near-prime rates; used private-sale trailers need a PPSR check and inspection. Deposits are commonly zero for established ABNs.
Frequently asked questions
Can I finance a used trailer from a private seller?
Yes. Expect the lender to require proof of ownership, a clear PPSR search and often an independent inspection or valuation.
What term can I get on an older trailer?
Trailers age well, so a 10–15 year old trailer can often still be financed over 3–5 years — longer than an equivalently aged truck.
Can new businesses finance trailers?
Trailers are among the friendlier assets for new ABNs because resale values are strong. A deposit or director's guarantee usually gets it done — see new ABN finance.
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