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Truck and Transport Finance Solutions

Need to buy a truck, upgrade your fleet, or refinance what you’ve already got? We’ve been financing trucks for NZ transport operators for over 40 years. We work fast, we know the lenders, and we come to you.
09 575 1682
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Fast Truck Finance for New & Used Vehicles

Get truck finance solutions structured around your business, whether you’re purchasing a new truck, upgrading your fleet, or financing a quality used vehicle.

Quick Approvals to Keep You on the Road

We work with a wide network of NZ lenders to secure fast approvals where possible, helping minimise downtime and keep your operations moving.

*Approval timeframes subject to lender criteria.

Trusted by Transport Operators Across NZ

Our truck finance solutions are relied on by owner-drivers, fleet operators, and transport businesses throughout New Zealand.

What Is Truck Finance?

Truck finance lets you buy or refinance a truck and pay for it over time. Repayments are spread across the life of the vehicle — keeping your cash free for wages, fuel, and running costs. You own the truck while you pay it off.
  • Purchase new or used trucks
  • Replace aging vehicles
  • Expand fleet capacity
  • Refinance existing trucks to improve cash flow
Both new and used trucks can be financed, subject to lender criteria around asset age, condition, and usage.

Truck Finance Options Available

GVK Finance arranges flexible truck finance solutions based on the type of truck, how it is used, and your business cash flow.

We can assist with:

New truck finance

Used truck finance

Fleet finance and upgrades

Refinance of existing truck finance

Trailer and specialist body finance

Each solution is structured to suit operational requirements, repayment capacity, and long-term business objectives.

Who We Arrange Truck Finance For

From single owner-drivers to multi-truck fleets, we structure finance around how your business actually runs. Placed here so visitors can see themselves early.

Owner-drivers

Freight and logistics businesses

Construction transport operators

Civil contractors

Refrigerated transport operators

Fleet managers

Regional carriers

Start-up transport businesses

Types of Trucks & Assets We Finance

  • Utes
  • Truck & trailer units
  • Curtain siders
  • Tippers
  • Tankers
  • Refrigerated trucks
  • Crane trucks

Hino Truck Finance

We provide truck finance solutions for Hino trucks used across freight, construction, and logistics operations. Our finance structures are tailored to vehicle usage and business cash flow.

View Hino Truck Finance

Mack Truck Finance

Mack truck finance solutions for heavy-duty transport, fleet operators, and specialised haulage applications.

 

View Mack Truck Finance

Volvo Truck Finance

Structured finance options for Volvo trucks used in long-haul transport, fleet operations, and specialised transport applications.

 

View Hino Truck Finance

UD Truck Finance

Flexible truck finance solutions for UD trucks operating in both regional and urban transport environments.    
View UD Truck Finance

Used Truck Finance

Finance solutions for quality used trucks, subject to lender criteria around age, condition, and asset value.

 

View Used Truck Finance

How Truck Finance Is Structured

Truck finance can be structured using a range of repayment options depending on the asset and business requirements.

Common structures include:

A straightforward finance option where the truck is purchased and repaid over an agreed term. Term loans are commonly used for both new and used trucks and can be structured to match the expected working life of the vehicle.
Leasing allows businesses to use a truck without owning it outright. Operating leases and fully maintained leases may include servicing and maintenance, helping manage costs and reduce administrative burden.
For businesses with fluctuating income or seasonal workloads, repayments can be structured to align with cash flow. This approach is commonly used in transport, agriculture, and construction-related operations.
Existing truck finance can be refinanced to improve cash flow, consolidate repayments, or align finance terms with current business needs. This may involve adjusting repayment amounts, loan terms, or finance structures.

Why Choose GVK Finance for Truck Finance?

Truck Finance Specialists

GVK Finance has extensive experience arranging truck finance for owner-drivers, fleet operators, and transport businesses across New Zealand. Our understanding of truck assets, fleet operations, and industry requirements allows us to structure finance solutions that support uptime, compliance, and long-term business growth.

Access to a Wide Network of NZ Lenders

As an independent finance broker, we work with a broad panel of New Zealand banks and specialist transport lenders. This gives our clients access to competitive truck finance options, flexible terms, and repayment structures tailored to how their vehicles are used — without being limited to a single lender.

Practical, Business-Focused Support

We take a hands-on approach to truck finance, working closely with you to understand your operation, cash flow, and asset requirements. From the initial conversation through to settlement and beyond, you’ll deal with a team that understands the realities of running a transport business.

Flexible Truck Finance Solutions

Whether you’re financing a new truck, purchasing a quality used vehicle, upgrading your fleet, or refinancing existing trucks, we structure solutions across a wide range of truck types and values. We can also assist with smaller truck purchases through flexible funding options where appropriate.

Frequently Asked Questions (FAQs)

How long will it take for my asset finance application to be approved?
Approval timeframes vary depending on the asset type, finance structure, and information provided. In many cases, asset finance approvals can be obtained quickly once the asset details and required documentation are confirmed.
Asset finance is typically secured against the asset being purchased, such as equipment or vehicles. Additional security requirements depend on the lender, asset value, and overall business profile.
Interest rates vary based on factors such as the asset type, loan structure, term length, and business financial position. We compare options across multiple lenders to secure competitive rates suited to your situation.
Asset finance and business loans serve different purposes. Asset finance is secured against the asset being purchased and is often more suitable for equipment and vehicles, while business loans may be used for broader funding needs. The right option depends on your asset, cash flow, and business goals.
You may not need to have any previous credit history to get a loan with us; however, we may ask you to provide a suitable guarantor for your loan.

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What Customers Say About GVK Finance

Looking for Asset and Truck Finance in New Zealand?

Trusted by New Zealand businesses since 2001

We have a genuine interest in our clients' business and how it is run, along with an interest in equipment and what each client requires for their business to operate efficiently and cost effectively.

More Personal

We have a genuine interest in our clients’ business and how it is run. We finance assets of almost any size and value.

Knowledge to Help You

We have been in the business for over 40 years and have a vast knowledge of transportation and equipment.

Secure and Trusted

We are trusted and have relationships with many banks and finance companies, giving you a broad choice of finance options.

Talk to a Truck Finance Specialist

Whether you’re purchasing a new truck, financing a used vehicle, or upgrading your fleet, our team can help structure the right truck finance solution for your business.
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