A prime mover is the highest-value, highest-utilisation asset most operators buy, so the term and structure matter as much as the rate. Here’s how prime mover finance works.
Rates and terms
Prime mover finance typically runs up to 5–7 years depending on age and kilometres. Because it’s a strong, high-value asset, rates are competitive — and a balloon can lower the weekly repayment if you refresh the vehicle every few years.
Deposits and low-doc
Many established operators finance a prime mover with no deposit, using the vehicle as security. Low-doc options mean you may not need full financials on an eligible, asset-backed deal. A deposit or a forward contract strengthens a newer-ABN application.
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