A quick & transparent process

Prime Mover Finance

Compare Lenders and Loans – Obligation Free

We do the legwork for you by comparing a wide range of lenders and loan options tailored to your needs. There’s no cost and no obligation—just the opportunity to find a finance solution that fits. Best of all, our loan comparison process will not affect your credit rating.

Choose the Loan That Suits You and Get Approved

After you select the ideal loan for your needs, our knowledgeable team will guide you through every step of the approval process. We focus on making it simple, transparent, and stress-free, so you can proceed with full confidence, knowing you’ve made the best financial choice for your Prime Mover purchase.

Receive Funds Quickly and Take Fast Delivery

Once your loan is approved, the funds are promptly released, allowing you to confidently take delivery of your Prime Mover without any hassle. The process is designed to be smooth and efficient—no unnecessary delays or stress—just a straightforward path to getting behind the wheel of your new vehicle.

ABOUT

Financing Options & Features

At iCREDIT, we offer tailored finance solutions for both new and used prime movers, with flexible terms:

Loan Amount

$5,000 – $500,000+

Balloon / Residual Payments

Optional residual or balloon payment

Loan Duration

1–7 years

Asset Age

Finance available even for vehicles over 25 years old at term-end

OUR SERVICES

What Finance Structures Are Available?

Extensive Lender Access

Over 40 Australian banks and equipment financiers—giving you top market rates

Credit Profile Friendly

Even if you have less-than-perfect credit, we offer second‑chance options.

Same‑Day Decisions, Fast Funding

Get pre‑approval quickly, and once approved, funding can be cleared within 24 hours

Buy With Confidence

Pre‑purchase approvals let you shop with certainty—whether buying from a dealer, private seller, or auction.

ABOUT

FAQ: Prime Mover Financing

Can I finance both new and used prime movers through iCREDIT?

Yes, iCREDIT offers finance solutions for both new and used prime movers, including older models purchased from dealers, auctions, or private sellers.

What is the maximum age of a prime mover I can finance?

Although most lenders have a truck age limit of  25 years old at the end of the loan term, iCREDIT has a range of lenders available that can accommodate older model trucks.

What types of loans are available for prime movers?

We offer chattel mortgages, finance leases, unsecured loans, and lines of credit. The best option depends on your business needs and ownership goals.

Can I get approved with a low deposit or no deposit?

Yes, in many cases we can arrange low or no deposit finance, subject to your credit profile and the age/value of the vehicle.

How long does it take to get approved and funded?

iCREDIT offers fast approvals, in some cases funding can be available within 24–48 hours once all documentation is completed and the loan is approved.

Do you offer finance for private sales or auction purchases?

Absolutely. We can help finance prime movers bought from private sellers, online marketplaces, or auction houses—Australia-wide.

Can I still apply if I’ve had credit issues in the past?

Yes, iCREDIT works with specialist lenders who offer second-chance finance options for applicants with past credit defaults or low credit scores.

Tax & GST Benefits of Financing a Prime Mover

When financing a prime mover through a business structure, there may be potential tax and GST advantages. Here are a few commonly claimed benefits:

GST Refund on Purchase Price

If you’re registered for GST, you may be eligible to claim the GST portion of the truck’s purchase price when lodging your BAS.

Depreciation Deductions

The value of your truck may be depreciated over time, reducing your taxable income.

Claimable Interest Costs

Interest paid on business-related finance may be tax-deductible.

Tip: Always consult with your accountant or tax adviser to confirm eligibility based on your business’s financial situation.

REPAYMENTS

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REVIEWS

What our clients say about us.

EXCELLENT
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Jenbert Pythons
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Michelle was awesome once again, went above and beyond to help us reach our goal. Highly recommend the team at iCredit & in particular, Michelle.
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katrina mcfarland
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Emily was a dream to work with and extremely conscientious, always going above and beyond and very personable, highly recommend to everyone, thank you.
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Nickayla Lyons
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I purchased a new horse float with Julie’s help. She was very friendly yet professional, she explained everything for me to easily understand. I highly recommend anyone looking to purchase something new through Icredit to ask for Julie, you will not be disappointed with your service!!
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Melissa Fitzgerald
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It was the most relaxed process, with little to no hassle. Very straight forward. All questions answered in full, no hidden fees or costs. I will be using this company from now on. I can not fault them.
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Alice Webb
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Matt and Emily from iCredit were helpful and easy to deal with. The loan application process was quick and easy. Thank you
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Karren Atherton
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Very quick super easy and friendly.. will definitely be using Emily and Erin again .. Thank you ladies
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Nicholas Boylett
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Emily Collins from icredit was amazing to deal with. The approval was super quick, stress free and very easy. Approval was done and payment made with in 3 days and that was over a weekend. Thanks for all your help.
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Zoe Eagger
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I recently had the pleasure of working with Michelle Connell at iCredit, and I cannot recommend her enough! From the moment I reached out to her about securing a loan for a horse float, she was absolutely amazing. She was not only incredibly quick to respond to all my inquiries, but she made the entire process feel effortless and stress-free. Normally, dealing with finance companies can feel like a hassle, but Michelle completely turned that experience around. She was so professional, attentive, and personable, and she truly went above and beyond to ensure everything was handled smoothly. She explained all the details clearly, guided me through each step, and kept me updated throughout the entire process. Thanks to Michelle’s expertise and dedication, what could have been a stressful experience turned into something truly pleasant. If you’re ever in need of financial assistance, I highly recommend reaching out to Michelle at iCredit—she’s a true gem!
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Casey Nahi
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Julie helped me secure my dream float, the most lovely, thoughtful and helpful lady I have dealt with.
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Lauren Conway
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Matt & Emily were great to deal with, very smooth process from start to finish

Resources

Choosing the Right Prime Mover for Your Business

 

White prime mover driving on highway with green trees and blue sky

Prime Mover Finance

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