We fight to get you the lowest interest rate
Flexible truck loans for light & heavy-duty vehicles
Competitive rates, flexible terms, & fast approvals—without affecting your credit score.
We're the new & used truck loan specialists
Low Doc
Ideal for self-employed operators—secure financing with minimal paperwork, even without full financials.
No Deposit
Drive away without paying a cent upfront, so you can invest your capital where it matters most.
New & Used Trucks
Whether you’re buying brand new or upgrading to a quality used vehicle, we’ll help you secure a great deal with competitive rates and fast approvals.
Rent to Own
Enjoy the flexibility of renting now with the option to own later—perfect for growing businesses testing new vehicles.
Truck Refinancing
Reduce repayments or unlock equity by refinancing your current truck loan to a better deal.
Start-up Loans
Just starting out? We specialise in helping new businesses get the trucks they need, even without years of trading history or full financials.
Hi, I'm Matt
I’m the owner and director of X Finance Brokers, we are a trusted, family-run brokerage committed to helping individuals and businesses secure the best loan options for their needs. With industry expertise and a customer-first approach, we make the lending process simple and stress-free.
Why go through a broker for your next truck loan?
Thinking about a truck loan? Let us show you why working with a broker can make all the difference in finding the right loan for you—getting the best rates and terms, tailored to your unique needs.
Quick Turnaround
Easily compare multiple lenders without bias.
Expert Knowledge
In-depth understanding of heavy vehicle finance.
Flexible Terms
Negotiate tailored terms and rates that fit you.
Exclusive Access
Unlock better deals only available to brokers.
Here's what our clients say about us
Highly professional and thorough to deal with, Matt makes the often complicated and daunting task of financing so much simpler and stress free. Matt makes financing so much simpler and stress free.
Nathan Weir
Matt secured our first loan years ago when we were a new company with no history or security, something other brokers wouldn’t take on. He genuinely cares about our business, goes above and beyond to help.
Shaza Jabbour
Matt Cabban at X Finance Brokers is an outstanding broker who truly goes above and beyond for his clients. He’s always approachable, takes the time to listen, and genuinely cares about finding the best possible deal.
Chris Fahy
Seriously, look no further than Matthew Cabban and the team at x finance brokers. Matt was extremely professional to deal with and very knowledgeable on all lending aspects. Great job Matt. Thanks again.
Dennis Kennelly
Matthew provided a well tailored experienced for my loan requirement. He ensured I was kept up to date through the process and any requests from the lender were passed on to me immediately.
Edward Small
Wow what a great service I have received from Matthew he was on the ball with everything, made life so much easier. He was fast with all the process from Beginning to end . Thank you Matthew
Karen Gumm
Quick and easy loans with same-day approvals.
Low rate loans from 5.67% p.a.
Comparison rate of 6.10%* p.a.
The Comparison rate is calculated on a secured loan of $30,000 fixed for a term of 5 years, New Goods, Effective 04/07/2025 and subject to change. Warning: The comparison rate is true only for the examples given and may not include all fees and charges. Different Terms, fees or other loan amounts may result in a different comparison rate.
Frequently Asked Questions
Have questions? We’ve compiled answers to some of the most frequently asked questions to help you find the information you need quickly.
Will applying hurt my credit score?
No — we can provide quotes and pre-approvals without affecting your credit score. A formal credit check only happens once you choose to proceed with an application.
Do I need to provide full financials to get approved?
Not always. We offer low-doc and alt-doc options that require minimal paperwork, ideal for sole traders or start-ups without full financial history.
What if I have bad credit or past defaults?
We work with specialist lenders who assess your full situation — not just your credit score. Many of our clients have been approved despite previous financial setbacks.
Can I get approved as a start-up or newly registered business?
Yes — we help new ABNs and start-ups secure truck finance regularly, even if you haven’t been in business long.
Is a deposit required?
No deposit options are available, depending on your financial profile. If you’d prefer to preserve cash flow, we can tailor a solution that suits.
How quickly can I get the funds?
In many cases, we can get approval and settlement within 24–48 hours — especially if you’ve got your documents ready.
What types of trucks can you finance?
We finance all types — from light rigid trucks and utes to prime movers, tippers, refrigerated trucks, and trailers.
How do you find the best loan for me?
We compare loan options from a wide panel of banks and specialist lenders, then negotiate on your behalf to get the best rate and terms available.
Do I need to speak to the bank myself?
Nope — we handle all the lender communication, paperwork, and negotiation so you don’t have to lift a finger.
What happens if I want to upgrade or sell the truck early?
Many of our loan structures allow for early payout or refinancing. We’ll walk you through your options and any potential fees so there are no surprises.
Quick and easy loans with same-day approvals.
We are a proudly Australian-owned brokerage, built on the foundation of trust, loyalty, and a commitment to putting our clients first.