Truck and trailer loans

Need a quick and simple loan for a truck or trailer?

We fund all types of trucks and trailers, whether you need a box body, curtain sider, freezer or chiller truck we could help. Whether buying new or used, through TradeMe or a dealership, our truck & trailer loans could help you get on the road quicker.

Apply in minutes, get a decision in seconds

You can apply for a business loan up to $100,000 without using your home or other asset as security. Or you can apply for a partially secured business loan up to $250,000.

I would like to borrow:

Minimum loan amount is $10,000

To help me:

Please select loan purpose

Apply now
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Here's how it works

1

Complete the easy online application anytime, anywhere.

2

In just a few seconds we'll get back to you with a decision.

3

If approved, the money could be in your account in a matter of days.

Get started

What we offer

We’ll work with your cash flow and budget.

We know how business works and can help you with seasonal payment structures that suit the ups and downs of your cash flow. We’ll work with your budget too – take your pick of our 1 to 5 years payment terms.

A decision in seconds.

Applying online is easy and we’ll get back to you quickly to let you know if your loan’s approved. We can then have the money in your account in a matter of days, so you can get on with your plans quick smart.

No need to change your bank.

And no need to mortgage your home. Our fast and flexible finance works alongside your everyday banking to give you the freedom to manage your finances to suit your truck & trailer business.

What our customers say

"The online application was easy ... It's great finding a bank that walks the talk and is there to help entrepreneurs like us."

Richard Liew

Founder of NZ Entrepreneur,
Open for Business customer

Why choose Heartland?

1,000

businesses funded, and counting

$ 25 million

made available to small businesses

25 years

experience managing Kiwis' money

As featured in

Apply in minutes, get a decision in seconds

You can apply for a business loan up to $100,000 without using your home or other asset as security. Or you can apply for a partially secured business loan up to $250,000.

I would like to borrow:

Minimum loan amount is $10,000

To help me:

Please select loan purpose

Apply now
Secured with 256-bit SSL

Questions? We have answers

Our secured rates start from 8% (p.a.), however this rate can vary depending on a range of factors. Once you have completed our 2 minute online application our lending specialists will discuss interest rates and repayments with you.
We don’t take residential property as security; we will look to use business assets instead such as vehicles or machinery as security.
Every start-up will have unique requirements which means we need to take into account the different circumstances of every application. Please give us a call to discuss your loan as you won’t be able to get an automated decision.
We usually require a copy of the business financial statements to assess a loan application. If the application is successful we will require some additional supporting information such as identification.
Unsecured loans have a max term of 60 months. However this is dependent on meeting our lending criteria. Secured loans have a max term of 5 years but can go up to 7 years in certain circumstances.
The minimum business loan application is $10,000. There is no maximum; however we will require additional information for any loan above $100,000.
Once your application is approved, we need to verify the information you provided and conduct any additional credit checks that may be required. We’ll talk to you about the loan terms and rate, the loan funds will then be paid to your nominated bank account.
The online application takes around 3 minutes to complete.
Send an email with your account name and the period you would like the loan statement for to [email protected]

Discover the right business finance for you.

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Working Capital Loans

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Small Business Loans

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Heavy Machinery Loans

A flexible way to finance your heavy machinery.

Plant & Equipment Loans

Fund the equipment your business needs now.

Prefer to talk directly to one of our business specialists?

Email Heartland

Email us

[email protected]

Call Heartland

Call us

0800 80 91 91

Chat with Heartland

Chat online

with one of our team

Lending criteria, terms, conditions and fees apply.