Industry Experts

Our local Finance representative knows the transport industry. We understand your business and that’s why we offer you a customised solution. From a single truck to an entire fleet; new or used.

Long-term Support

Our Finance specialists will find a solution you can rely on. We’re here to help you in good times and tough times.

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Preserve Your Credit Line

A Volvo Finance Solution is a second source for your financing needs. You can preserve your credit line with your bank and use that for other purposes.

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Frequently Asked Questions About Truck Financing

What’s the difference between a Chattel Mortgage and a Hire Purchase?

Both options allow you to own the truck at the end of the agreement. With a Chattel Mortgage, you take ownership from day one, and the loan is secured by the vehicle. A Hire Purchase involves instalments over time, with ownership transferring once the final payment is made.

Both options allow you to own the truck at the end of the agreement. With a Chattel Mortgage, you take ownership from day one, and the loan is secured by the vehicle. A Hire Purchase involves instalments over time, with ownership transferring once the final payment is made.

Can I claim tax deductions with a Finance Lease?

Yes. A Finance Lease lets you claim the lease payments as tax-deductible business expenses, which can improve cash flow and budgeting. Speak to your accountant to understand what’s best for your situation.

Yes. A Finance Lease lets you claim the lease payments as tax-deductible business expenses, which can improve cash flow and budgeting. Speak to your accountant to understand what’s best for your situation.

How does an Operating Lease work?

An Operating Lease allows you to use the truck without owning it. You simply return the vehicle at the end of the lease term, with no concerns about depreciation or resale. It’s a cost-effective way to keep your fleet up to date.

An Operating Lease allows you to use the truck without owning it. You simply return the vehicle at the end of the lease term, with no concerns about depreciation or resale. It’s a cost-effective way to keep your fleet up to date.

Is a deposit required for financing a Volvo truck?

It depends on the type of finance. With a Finance Lease, only a first rental is needed. For Chattel Mortgage and Hire Purchase agreements, a deposit may be required—our team can tailor the terms to suit your budget and business goals.

It depends on the type of finance. With a Finance Lease, only a first rental is needed. For Chattel Mortgage and Hire Purchase agreements, a deposit may be required—our team can tailor the terms to suit your budget and business goals.

Can I customise the repayment schedule to suit my cash flow?

Absolutely. Volvo Financial Services offers flexible repayment options, including seasonal payments or balloon structures, to help align your repayments with your business’s income cycle.

Absolutely. Volvo Financial Services offers flexible repayment options, including seasonal payments or balloon structures, to help align your repayments with your business’s income cycle.

What happens at the end of my lease or finance agreement?
  • Chattel Mortgage / Hire Purchase: You own the vehicle outright after the final payment.

  • Finance Lease: You may have the option to make a residual payment or upgrade to a new vehicle.

  • Operating Lease: Simply return the vehicle—no need to sell or worry about market value.
  • Chattel Mortgage / Hire Purchase: You own the vehicle outright after the final payment.

  • Finance Lease: You may have the option to make a residual payment or upgrade to a new vehicle.

  • Operating Lease: Simply return the vehicle—no need to sell or worry about market value.

Can I finance multiple vehicles at once?

Yes. Whether you’re adding one truck or a fleet, we can structure a finance solution to suit your expansion plans. Volvo Financial Services specialises in scalable options for businesses of all sizes.

Yes. Whether you’re adding one truck or a fleet, we can structure a finance solution to suit your expansion plans. Volvo Financial Services specialises in scalable options for businesses of all sizes.

Who do I contact if I want to apply or have more questions?

Get in touch with the Western Truck Group finance team. We’ll guide you through the available options and help you choose the best solution based on your needs. We also work directly with Volvo Financial Services to ensure everything is streamlined and stress-free.

Get in touch with the Western Truck Group finance team. We’ll guide you through the available options and help you choose the best solution based on your needs. We also work directly with Volvo Financial Services to ensure everything is streamlined and stress-free.