CONSTRUCTION EQUIPMENT FINANCE COMPARE 70+ LENDERS

APPLY ONLINE IN MINUTES | INSTANT PRE-APPROVAL | NO CREDIT SCORE IMPACT 

Get the Equipment You Need, Without the Financial Stress

CONSTRUCTION EQUIPMENT FINANCING MADE SIMPLE

Whether you’re building homes, managing infrastructure projects, operating a civil works business or a tradie with an ABN, Ausloans makes financing construction equipment easy. With access to 70+ lenders and flexible options for ABN holders and companies, we help businesses across Australia secure competitive finance for new and used construction machinery.

Compare Commercial Finance Lenders in Minutes
— one simple application.
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WHY FINANCE CONSTRUCTION MACHINERY WITH AUSLOANS?

When your business depends on the right tools, access to finance shouldn't slow you down. At Ausloans, we specialise in construction equipment finance for Australian builders, contractors, and civil works operators. Whether you're upgrading machinery or replacing ageing assets, our platform makes it easy to compare financing options from over 70 lenders. With solutions for ABN holders, startups, and established companies alike — including low doc and bad credit options — we help you secure the funds you need to keep your projects on track and your business growing.

Access to 70+ Lenders

Compare commercial equipment finance offers from banks, asset finance specialists, and commercial lenders instantly to find the best deal for your business.
Access to 70+ Lenders

Low Doc & Full Doc Options

Suitable for sole traders, contractors, and large firms alike. — we offer low doc and full doc options to suit your needs. 
Low Doc & Full Doc Options

4.8 Stars from 5,000+ Reviews

Join thousands of satisfied Australians who’ve rated us for great service, clear communication, and fast funding.
4.8 Stars from 5,000+ Reviews

Finance for All Credit Profiles

We work with a wide panel of lenders that offer construction equipment finance to startups, sole traders, and businesses with a mixed or poor credit history. Whether you're just getting started or rebuilding your financial standing, we can help you access funding options that match your situation.
Finance for All Credit Profiles

Balloon Repayments Available

Choose from flexible repayment structures, including balloon payments that help reduce your regular instalments by deferring a lump sum to the end of the loan term. This structure can ease short-term cash flow pressures and free up working capital for other business needs. 
Balloon Repayments Available
Ready to find your best construction equipment finance rate?
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WHAT CONSTRUCTION EQUIPMENT CAN I FINANCE?

We help fund a wide range of construction equipment, including financing for used construction equipment.  Whether you need excavators, cranes, loaders, or site trailers, Ausloans offers flexible construction equipment financing solutions tailored to builders, contractors, and civil operators across Australia.

excavator (1)

Excavators (mini, medium, and large)

Finance excavators for construction, demolition, or civil projects. Choose from mini diggers to large-scale models with flexible loan options.

Excavators (mini, medium, and large)
construction equipment site trailer (1)

Site Trailers & Portable Buildings

Finance mobile site offices, ablution blocks, and storage trailers to keep your crew operational on-site. Construction site trailer financing helps maintain flexibility and compliance on busy job sites.

Site Trailers & Portable Buildings
worker using concrete trowel machine

Construction Machinery

Secure finance for concrete mixers, trowel machines, kerb extruders, and asphalt pavers used in civil construction and roadworks. Our construction machinery finance options are designed for tradies and contractors needing reliable tools on flexible terms.

Construction Machinery
scaffolding for new ho0me build

Scaffolding Equipment

Fund scaffold towers, modular systems, and mobile scaffolding for both residential and commercial builds. We make it easy to finance scaffolding gear that supports safety and compliance on every site.

Scaffolding Equipment
Manual Workers standing at the construction site next to the scissor lift

Access Equipment

Finance cherry pickers, scissor lifts, and boom lifts to improve height access and on-site productivity. With Ausloans, you can compare access equipment financing options from 70+ lenders in minutes.

Access Equipment
Pneumatic supercharger, portable concrete pump.

Construction Tools & Site Equipment

Finance essential tools like jackhammers, generators, laser levels, compressors, and site lighting systems. Our construction tool financing helps you equip your team without draining your cash flow

Construction Tools & Site Equipment

HOW AUSLOANS MAKES FINANCE SIMPLE

Step 1

Step 1:
Apply Online in Minutes

Tell us what you need and upload your documents. No long forms.

Step 1
Step 2

Step 2:
We Compare 70+ Lenders

Our smart tech – Zink – finds your best match using AI and real-time lending data.

Step 2
Step 3

Step 3:
Get Approved and Funded Fast

We’ll guide you through approval, right through to settlement.

Step 3
Submit one application and we’ll handle the rest
— matching you to lenders who want your business.
Get Approved
Powered by Smart Technology

MEET ZINK - OUR AI POWERED LOAN MATCHING ENGINE

Zink uses your credit profile, lender criteria, and historical data to find your best loan options — fast. That means less guesswork, fewer rejections, and a better chance of approval.

Fast Loan Rate Comparison

COMPARE CONSTRUCTION EQUIPMENT LOAN RATES

Don’t be misled by teaser rates for construction equipment  that only apply to ideal borrowers. The rates shown below represent the lowest advertised options across our lender panel, but your actual interest rate will depend on factors like your credit profile, business age, equipment type, and loan structure. To get personalised lender matches and accurate rate estimates, complete our 3-minute application—it’s quick, obligation-free, and won’t affect your credit score.

Lender
Loan Amount
Loan Term
Interest Rate (FROM)
Comparison Rate
Get My Rate
Pepper Money
$5,000 - $150,000
1-7 years
9.44%
10.92%
Apply Now
Liberty
$5,000 - $100,000
2-7 years
8.29%
9.95%
Apply Now
Latitude
$3,000 - $100,000
2-7 years
9.24%
10.68%
Apply Now
Now Finance
$15,000 - $100,000
18m-7 years
5.95%
5.95%
Apply Now
BOQ
$5,000 - $80,000
1-7 years
7.39%
8.19%
Apply Now
ANZ
$5,000 - $75,000
1-7 years
7.49%
8.18%
Apply Now
Commonwealth
$4,000 - $120,000
1-7 years
6.29%
7.71%
Apply Now
Compare 70 Lenders
— one simple application.
Get Approved
Explore our full panel
— of 70+ lenders
Get Approved
Estimate Your Repayments

EQUIPMENT LOAN CALCULATOR

See what you can comfortably borrow and ensure your repayments fit your budget with our easy-to-use car finance calculator.

FAST EASY FINANCE TRUSTED BY 1000'S OF AUSSIES

5 star service and finance success for customers of all credit profiles

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Understand how commercial asset finance works
—chattel mortgage guide
Read The Guide

CONSTRUCTION EQUIPMENT FINANCE FAQS?

Got questions about financing construction equipment in Australia? You’re in the right place. Whether you're a builder, contractor, or running a growing construction business, this FAQ section covers everything you need to know about construction equipment finance. From loan eligibility and low doc options to balloon repayments and advertised rates, we’ve answered the most common questions to help you make smart, confident decisions for your business.

 

What documents do I need to apply?
Typically, an ABN, ID, bank statements, and asset invoice.

Most lenders require proof of business activity such as an ABN, photo ID, recent bank statements, and a supplier invoice or quote. Low doc loans may allow you to skip some documentation, depending on your profile.

Do I need full financials to apply?
Not always. Low doc loans are available for ABN holders.

Many lenders offer low doc finance options for farmers, especially those with a strong ABN trading history. In most cases, you’ll need an ABN, proof of income, and ID. We’ll guide you through what’s needed.

 
Do I need a deposit to get approved?
Not always — some loans can be 100% financed.

While some lenders prefer a deposit, it’s not always required. If your business has strong cash flow or trading history, you may be eligible for full finance with no upfront payment.

Can I get a balloon repayment on construction equipment finance?
Yes, balloon options are available to lower monthly repayments.

Many lenders offer balloon payments for construction equipment loans. A balloon repayment allows you to reduce monthly outgoings and pay a lump sum at the end of the term. This structure can help with cash flow, especially for seasonal or project-based businesses.

Can I finance used or second-hand construction equipment?
Yes, you can finance new or used construction machinery and equipment

Absolutely. At Ausloans, we work with lenders who are happy to finance used construction machinery, provided it meets age and condition guidelines. This is a great way to save on upfront costs without sacrificing functionality.

How quickly can I get approved?
Approvals often happen within 24–48 hours.

Our platform allows you to apply online in minutes. Most clients receive conditional pre-approval in minutes and full approval and settlement within 24b to 48 hours  after documentation is submitted.

Can I get a loan if I have bad credit?
Yes — we work with specialist lenders who cater to a range of credit profiles, including applicants with defaults or low scores.

While a lower credit score may affect your interest rate, it doesn’t disqualify you. We compare lenders willing to work with your situation, helping you get funded even when banks say no.


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