Hino Business Vehicle Loan

Cost-effective truck ownership, with finance solutions tailored to suit your needs and to help grow your business.

  • Your business owns the truck from the start of the loan
  • You can include insurance products, warranty and on-road costs to your loan
  • Income tax deductions may be available depending on your usage of the vehicle
  • Choose your loan term (up to 7 years)
  • The ability to make extra repayments to reduce the total interest payable.
  • Option of a balloon payment at the end of the loan
  • Input Tax Credit (if applicable) may be claimed up-front via business activity statement depending on use of the vehicle.
  • No GST on payments
  • Hino Tailored Rate* based on your individual business circumstances 
  • Fixed interest rate for the loan term 

Need a new or used truck for your business? A smarter way to buy your truck is with a Business Vehicle Loan, or chattel mortgage, from Hino Financial Services. Because you own the truck from day one, you can have the security of knowing that it’s a business asset right from the outset.

There is also the option to trade in an old vehicle which can reduce the repayments. With our range of tailored finance options, you could get into your Hino sooner.


How to get a Hino Business Vehicle Loan

You can apply for a Hino Business Vehicle Loan at your nearest Hino dealership through the steps below.* 

  1. Choose your vehicle, new or used
  2. Choose your loan term (1 to 7 years)
  3. Pay a deposit and choose a balloon amount# (if applicable)
  4. Add insurance and warranty products to the loan (optional)
  5. Choose your repayment type (weekly, fortnightly or monthly)

Once your application has been approved, setting up the loan is easy.

Once you have made your final payment at the end of the term, we will remove our security interest on your vehicle.


Calculate your repayments

Get an idea of your payment amounts for the term of your choice. In some cases, quarterly, half-yearly and annual payments are options to suit a seasonal income stream.

Go to calculator

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Frequently Asked Questions


Hino Finance Business Vehicle Loan fees

The tables below summarise the main types of fees across all Hino Finance Business Vehicle Loans.

We’ve also included some tips on how you can avoid paying certain types of fees over the term of your loan, so you don’t pay more than is necessary.


Fees that will apply

Fee type Amount Description
Establishment Fee $395.00 The cost to set-up your approved loan with Hino Financial Services. It is payable upon loan settlement, and can be included within the amount financed. This is referred to in your contract as your Loan Account Establishment Fee.
Vehicle Security Registration Fee $6.00 The cost of registering Hino Financial Service’s security interest in your vehicle on the Australian Government’s Personal Property Securities Register. This is a national online register to help protect consumers when buying personal property like cars, boats or artwork. It allows potential buyers to check if any other parties already have a security interest on the property.
Account Administration Fee $8.00 per month A monthly fee for the management of your loan account.


Dealership Fees

Fee type Amount Description
Dealer Agency Fee $890.00 + GST This fee covers the dealership’s cost of preparing your finance application on Hino Financial Service’s behalf. The Hino Finance & Insurance Manager within the dealership is responsible for explaining the different types of finance products to you, ensuring that you understand the requirements of the loan, and arranging all the necessary paperwork to submit, manage and finalise your finance application.


Fees that may apply

Fee type Amount When it applies How to avoid
Payment Method Fee – BPay $1.50 Processing each payment made by BPay. Set up a Direct Debit at the start of your loan, so you don’t pay fees on your regular repayments. To switch to Direct Debit payments log into your Toyota Finance Online account or call our National Customer Solution Centre on 1300 888 850 (Monday to Friday, 8:30am – 6:00pm AEST)
Payment Method Fee – Other (includes BillPay, Cheque or Direct Deposit) $3.00 Processing each payment made by BillPay, Cheque, or Direct Deposit.
Account Payment Card Fee $5.00 For replacement; supplementary; or new payment cards when you switch from Direct Debit to another payment method after the loan start date. Switch to Direct Debit payments and all your future repayments will be fee-free. You can change your payment method by logging onto Toyota Finance Online or calling our National Customer Solution Centre on 1300 888 850 (Monday to Friday, 8:30am – 6:00pm AEST)
Payment Dishonour Fee $3.25 If your Direct Debit or Cheque payment is dishonoured. Check that your account has sufficient funds when payments are due to be debited. You can also change the date of your payments by calling the National Customer Solution Centre on 1300 888 850 (Monday to Friday, 8:30am – 6:00pm AEST)
Late Payment Fee $25.00 If you’re late or miss a repayment, and your account goes into arrears. Hino Financial Services will contact you about the overdue amount, and this is mentioned in your loan contract as an Arrears Follow-up Fee. Ensure that your account does not go into arrears. You can also change the date of your payments by calling the National Customer Solution Centre on 1300 888 850 (Monday to Friday, 8:30am – 6:00pm AEST)
Information Request Fee $25.00 If you request contract documentation by calling the Hino Financial Services National Customer Solutions Centre. You can view, download, and print your loan documentation online without incurring this fee. Simply log onto Toyota Finance Online to check your account details.
Early Termination Fee  

This fee applies if your loan is repaid before its scheduled end date. Customers can find information about this fee on their Loan Schedule. Customers can also request an Early Termination Quote to help them decide whether to terminate early.

This fee can be avoided by continuing with scheduled loan repayments until the agreed completion date of the loan.


Information current as at 1/9/2020.


Contact us

If you need more information about this loan, you can send us an enquiry here.


* Approved applicants only. Terms and conditions apply. Hino Financial Services is a division of Toyota Finance Australia Limited ABN 48 002 435 181, AFSL and Australian Credit Licence 392536.

# Balloons are subject to approval and lending guidelines. Trucks cannot be older than 10 years at the end of the loan.

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