Truck finance for operators whose credit file isn't perfect.
A default, a paid-out debt, or a judgment against you doesn't automatically rule out truck finance. AYIO Financial works with specialist non-bank lenders who underwrite the deal on the asset, the cashflow, and the explanation behind the credit event — not just a score.
These deals typically carry higher rates than prime credit and require more deposit (often 20%+), but they let you keep moving when the mainstream banks have said no. Successful applicants usually have: an active ABN, a clean recent trading record, and a credible plan for the truck.
Paid-out defaults aged 12+ months, satisfied judgments, and credit events explained by genuine business circumstances are routinely approvable. We submit the enquiry; the credit specialist tells you what realistic options look like.
5-minute enquiry — we'll refer your details to a licensed credit specialist for review.
We hold Australian Credit Licence 570670 and provide credit assistance. We are not a credit provider ourselves — we arrange finance from a panel of accredited Australian lenders. Any credit contract is between you and the lender.
No fee for the enquiry. Some lenders charge an establishment fee on the loan itself if it proceeds — that's disclosed up-front before you sign anything.
Initial response within 48 hours. Final approval depends on the supporting documents and lender — typically 2-5 business days.