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Financing trucks and trailers since 1952

If you have good credit and have been in business over two years we could help fund your new or used truck or trailer, With unsecured lending up to $100,000 we can help fund your light or heavy vehicle, box body, curtain sider, freezer or chiller truck.

Are you eligible?

If you meet the criteria below, you could be eligible for a loan.

  • I'm a registered business, partnership, sole trader or a simple trust.
  • I'm a NZ citizen or permanent resident.
  • I have valid ID and proof of my address.
  • My business is located in New Zealand.
  • My credit looks good – I have never been bankrupt and I haven't had any unpaid defaults in the past five years.

How does it work?


Apply online Complete your application in just three minutes from your mobile phone, tablet or laptop.


Provide your documents Provide supporting documents and information to finalise your application.


We’ll verify your information We’ll verify the information you’ve given us and conduct any further checks required.


Verify your identityWe’ll verify your identity with our facial recognition technology.


We’ll deposit your fundsOnce approved and documented, we’ll deposit your funds into your nominated account.

Take care of your business loan anytime, anywhere.

Manage your loan repayments, generate statements and keep up with transactions on the go with ease.

Questions? We have answers

Heartland offers loan terms of up to five years with regular principal and interest repayments.
Interest rates start from 12.00% p.a.
Yes, the minimum loan amount is $10,000 and the maximum loan amount $100,000.
Yes, you do not need to be an existing customer with Heartland to apply for a business loan.
Once all documentation is finalised, our team will work with you to organise payment for your truck and trailer loan on an agreed date.
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