Finance a Used Truck the Easy Way

Used Trucks NZ has formed a partnership with Spartan Finance to offer smart finance options for quality used trucks, tailored for small and medium sized transport businesses.

Apply Now with Spartan Finance

Why Finance Through Spartan?

Flexible Finance, Built for the Transport Industry

At UsedTrucks.nz, we know your business runs on more than just horsepower — it runs on cash flow, timing, and trusted partnerships. That’s why we’ve teamed up with Spartan Finance to deliver a fast, seamless finance experience backed by real expertise. Whether you’re an owner-operator, fleet manager, or a tradie expanding your toolkit, we’ve got finance solutions that fit your business — and your budget.

  • ✔️ Competitive rates
  • 🚚 Finance across all truck models
  • 🕒 Fast & Easy approval process
  • 🔒 Trusted by Kiwi owner-operators for 20+ years

What You Can Expect

A Straightforward Process

  1. Choose Your Truck
    Pick from our nationwide stock.
  2. Apply Through Spartan
    Complete a quick and easy application — it takes just 2 minutes. Spartan’s finance experts are right there to guide you, whether you prefer a quick call, email, or face-to-face chat.
  3. Assessment & Recommendations
    Spartan Finance will come back to you promptly with your lending options and assist you in making the best decision for you and your business.
  4. Hit the Road
    Get approved and into your next truck, fast.

Ready to Apply?

Let Spartan Finance Do the Heavy Lifting

You’ve found the right truck — now make financing just as easy. Spartan Finance knows trucks, knows transport, and knows how to make the process seamless.

Frequently Asked Questions

Can I finance any truck listed on UsedTrucks.nz?

Yes. All trucks listed on our site are eligible for finance through our partnership with Spartan Finance. Fast turnaround, expert support, and competitive rates.

How much deposit do I need?

In many cases, none. Spartan offers 100% finance on approved terms. Each deal is structured around what works for your business.

What’s the interest rate?

Interest rates vary depending on your current financial situation, and these would be discussed and agreed with you before you finalise your finance agreement — no surprises.

Do you finance self-employed or small businesses?

Absolutely. Whether you’re a sole trader, contractor, or growing fleet, we offer tailored options including low-doc finance.

What info do I need to apply?

Spartan Finance may ask for a summary of your business’s financial situation, for example your latest financial accounts, management accounts to date and/or a budget/forecast and may also request your bank statements to show that on a monthly basis, you can afford the repayments when they are due.

Is the finance tax-deductible?

Yes — depending on the structure, truck finance may offer GST, interest, and depreciation benefits. Talk to your accountant to maximise your setup.