Replacement Truck Finance

Made easy with our specialist truck lending panel.

Express Application

Type Of Loan
Loan Amount

Better Rate Replacement Truck Financing

No matter how unique, each asset owned by a business has a lifespan for how long it is kept. This may be determined by the amount of kilometers the vehicle has travelled, increased repair and maintenance costs on the vehicle or variation in work program or contracted work requirements about the age of the vehicle.

Replacing or upgrading an existing truck can be a simple process when applying for finance, particularly if your current truck is already under finance.

At Black Granite Finance we have fast and effective solutions across our panel of lenders to facilitate this replacement. Some of the basic considerations for an application will be ensuring your monthly repayments don’t exceed 125% of the current finance contract repayments and that your repayment history on the replacing finance contract is in good conduct.

There are also several replacement options where the asset does not need to be ‘like for like,’ meaning you can replace a truck with a trailer.

We can provide financing for the following replacement vehicles:

Semi truck with car carrier trailer

Let us take the stress out of upgrading your truck and give us a call on 0431 177 605 to find out about our quick and easy replacement truck loans.

Why Black Granite Finance

Five star service

Our clients enjoy dealing with us and we see us as an extension of their business. Working with us means you’ll always deal with an experienced broker and not a call centre.

Competitive pricing

We have strong relationships with a number of lenders and therefore have access to some of the best rates in the market.

Flexible options

We have access to a number of different loan types including chattel mortgages, finance leases as well as low doc and no deposit loans.

Fast approvals

We do all the hard work to organise the loan so you don’t have to lift a finger.

Our Fast & Easy Process

In 5 simple steps to make obtaining a vehicle loan, equipment loan or other loan simple for you!

Step 1

We get to know you, your business & your requirements.

Step 2

We request financial information if required and begin your application.

Step 3

We work hard to find you the best finance loan for your situation.​

Step 4

We finalise the paperwork with the dealer or private seller.

Step 5

We settle the transaction & hand over ownership of the goods to you.

What Are My Repayments?

Use our calculator to estimate the monthly repayments you would make each month on the gear you wish to purchase. 

Only enter a residual/balloon (%) if you wish to pay a lump sum at the end of your loan. Otherwise simply leave this field blank.


The information which you calculate from this Calculator is intended for use by you as a guide only.

Some of Our Lenders

With access to 30+ bank and non-bank lenders we’ll be sure to get your equipment loan approved and at a competitive rate.