Skid Steer & Loader Finance

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From landscaping and site clean-up to construction, earthmoving and property maintenance, skid steers are built for businesses that need versatile machinery in compact spaces. Skid steer financing can help you secure the right machine while keeping cash available for the everyday costs that keep jobs moving. 

At Ausloans, we help Australian operators compare skid steer finance options built around the asset, the job and their cash flow. Whether you’re buying a new loader or a used skid steer, we’ll help you find a funding path that matches your needs.

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Flexible skid steer financing solutions

Skid steers are used across a wide range of worksites, so the right finance setup should reflect how the machine will be used. You might need a compact loader for tight-access jobs or a larger unit to support landscaping, construction, earthmoving or maintenance work.

We can help arrange finance for:

  • New skid steers
  • Used skid steers
  • Compact skid steers
  • Larger skid steer loaders
  • Skid steers for construction and site preparation
  • Skid steers for landscaping and property maintenance
  • Skid steers for earthmoving and material handling
  • Attachments and related equipment, subject to lender approval

You might be buying through a dealer, sourcing from a supplier or arranging a private sale. Either way, Ausloans can help you compare skid steer financing options that suit the purchase and how you’ll use the equipment. 

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Skid steer finance in Australia for site-ready machinery

A skid steer can make a real difference on-site, especially when you’re moving materials, working in tighter areas or replacing gear that’s slowing the job down. Skid steer finance in Australia gives eligible operators a way to fund the asset over time instead of tying up a large amount of cash upfront.

Depending on your situation, lenders may offer:

  • Repayment terms matched to your cash flow
  • Rate options based on your profile and lender criteria
  • Fixed or variable finance structures
  • Low-doc pathways for eligible applicants
  • Balloon payments where available
  • Funding for new, used or replacement machinery

Skid steer finance may suit:

  • Landscapers and outdoor maintenance crews
  • Builders and site preparation teams
  • Earthmoving operators
  • Civil contractors
  • Rural property operators
  • Plant hire businesses
  • Sole traders and ABN holders
For other machinery or asset funding, Ausloans can also help you compare equipment finance options beyond skid steers.
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Skid steer loans for new and used purchases

A skid steer loan can help you buy the machine you need without draining funds set aside for labour, fuel, servicing or other operating costs. It can also support upgrades when older equipment is no longer keeping pace with the work.

We can assist with:

New skid steer
purchases

New skid steer purchases

Used skid steer
purchases

Used skid steer purchases
Machinery
upgrades
Machinery upgrades

Additional units for
growing fleets

Additional units for growing fleets

Replacement
skid steers

Replacement skid steers
Attachment and accessory funding,
subject to lender approval
Attachment and accessory funding, subject to lender approval

Refinancing existing
equipment finance

Refinancing existing equipment finance

For many operators, skid steer financing provides a way to upgrade or add equipment while keeping day-to-day cash flow available for labour, servicing, transport and site costs.

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Why choose Ausloans for skid steer finance?

Ausloans gives you one place to compare skid steer finance across 70+ Australian lenders, helping you find options matched to your asset, budget and purchase plans.

 

Benefits include:

 

  • Online pre-approval options
  • Access to 70+ Australian lenders
  • Finance structures for different purchase types
  • Support for sole traders, ABN holders and companies
  • Help with dealer, supplier or private sale requirements
  • Options for new, used and replacement skid steers


For one skid steer, a fleet upgrade or extra attachments, our team can help keep the finance process on track. You can also use our online skid steer loan calculator to estimate repayments before you apply.

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Skid steer finance structures to consider

How you finance a skid steer can affect ownership, repayments and cash flow. Some operators want to own the asset from the start. Others may prefer a lease-style arrangement or a structured path to ownership. Below are some of the most common structures:

Chattel mortgage

With a chattel mortgage, your operation generally owns the skid steer from settlement. The lender then records a security interest over the asset until the finance is paid out.

Finance lease

A finance lease can give you use of the skid steer for the lease term, with end-of-term options set out in the agreement. This may suit operators who want structured access to machinery without the same ownership setup from day one.

Commercial hire purchase

Commercial hire purchase lets you make scheduled payments across the agreed term. Once the required payments and conditions are met, ownership of the skid steer will usually transfer to you. 

Before you choose a structure, speak with your accountant or financial adviser about how each option may affect tax treatment, ownership and budget. 

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How skid steer finance works with Ausloans

Skid steer finance can get messy when you’re dealing with sellers, paperwork and lender requirements at the same time. Ausloans helps bring the moving parts together so the process is easier to manage.

Step 1

Step 1:
Share the asset details

Tell us about the skid steer you want to finance, your operation and any quote, invoice or seller information you already have.

Step 1
Step 2

Step 2:
Match with lender options

We review your details and compare finance options that may suit the asset, loan amount, documentation and repayment needs.

Step 2
Step 3

Step 3:
Settlement

After approval, we’ll work with the lender and seller to keep settlement moving and get the purchase completed.

Step 3
Submit one application and we’ll handle the rest
— matching you to lenders who want your business.
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Find skid steer financing deals with Ausloans

Buying your first skid steer? Replacing an older unit? Adding another compact loader to the fleet? Ausloans compares skid steer finance and broader construction equipment funding options from 70+ Australian lenders. 

Apply online to review skid steer financing options shaped around your asset, the work you do and your budget. 

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FAQs

How does skid steer finance work for Australian businesses?

Skid steer finance helps you purchase a skid steer and repay it through scheduled instalments over an agreed term. The setup can vary by lender, asset and finance structure, with options such as a chattel mortgage, finance lease or commercial hire purchase. In many cases, the skid steer is used as security. 

Can I finance both new and used skid steers, and does it affect loan terms?

Yes. Lenders may consider both new and used skid steers, although the age, condition, value and seller details can affect the finance terms available. A newer machine may be assessed differently from older used equipment.

What ongoing costs, like insurance or maintenance, should I budget for alongside loan repayments?

Alongside repayments, it is worth budgeting for insurance, servicing, maintenance, attachments, transport, fuel, registration where applicable and unexpected repairs. These costs can affect cash flow, so they should be considered before applying.

What are the eligibility requirements for getting the best skid steer financing deals?

Eligibility for skid steer financing deals depends on the lender’s assessment. Your ABN, trading history, revenue, credit profile, asset details and repayment capacity may all be reviewed. Stronger documentation and a suitable asset may improve the range of options available.

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