Earth Moving Finance

Finance your earthmoving equipment with Auto Car Finance

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Financing Earthmoving Equipment

As any civil contractor will tell you, when it comes to earthmoving equipment, it’s essential to have the right tools for the job.

It’s the same when it comes to earthmoving equipment finance. These days, banks and other financiers offer a range of complex lending models to fund the purchase of earthmoving equipment. Which of them is right for you depends on the needs of your business.

That’s where Auto Car Finance can help. Whether you’re looking for a backhoe, dozer, grader, scraper, or any other class of earthmover, our equipment finance specialists will help you find a competitively priced loan that’s perfectly tailored to your business objectives.


Low-Interest Financing

You’ll enjoy flexible, tailored financial solutions to help grow your business.


The Right Fit

Our team of equipment specialists can help you choose the right lending model for your business.


Obligation Free Consultation

We offer easy-to-follow advice outlining exactly what you’ll need to do to have your loan approved.


Your repayments will be made using a combination of your pre and post-tax salary, reducig your taxable income and saving you a thousands at tax time.


A novated lease includes your vehicle’s running costs such as fuel, servicing and tyres. You’ll have to pay for these expenses regardless – so it make sense to use your free tax salary to pay for them, further reducing your taxable income.


You’ll enjoy GST excluded from both the purchase price and running costs of your car.

Why finance the purchase of
earth moving equipment?

Financing a major capital investment that will offer a good return, such as earthmoving equipment, is one of the most effective ways to grow your business. As long as you can put forward a good business case, which is something we can help you with, lenders are generally willing to back you.

The different models available for financing earthmoving equipment?

There are a range of different lending models available for financing earthmoving equipment. Which one is right for you depends on the type of earthmoving equipment you’re looking to purchase and the individual needs of your business.

Each of these lending options allocates risks differently and has various costs and benefits associated with it. Our team of experts can help you find the best model for your business. 

Some of the more common finance models include:

Finance Lease
Under this model, the lender owns the earthmoving equipment for the life of the loan, leasing it to the borrower. At the end of the lease period, ownership does not automatically transfer, but the borrower can generally elect to purchase the equipment. Alternatively, a borrower can elect to re-finance and upgrade to a newer model. This works well for businesses with longterm requirements for top of the range earthmoving equipment. 
Chattel Mortgage
In this instance, the purchaser/borrower owns the earthmoving equipment from the start, putting it up as primary security for the loan used to pay the purchase price, much like a real estate mortgage. Payment terms can be flexible. For example, if a borrower wants to reduce the amount of monthly repayments, this can be done by allocating a larger residual amount to be paid at the end of the loan period (sometimes called a balloon payment). Once the full amount of the loan has been repaid, the security over the earthmoving equipment is discharged. 

What types of earthmoving equipment are lenders willing to finance?

Our team of equipment finance specialists have industry contacts that offer finance for a wide range of earthmoving equipment. In some cases, where  equipment typically comes with different attachment options, such as with graders, we can arrange finance for the primary equipment, along with any attachments you require, by way of a single loan. 

Some of the earthmovers we commonly arrange finance for include:

  • Backhoes
  • Dozers
  • Graders
  • Scrapers
  • Tracked Excavators
  • Tracked Skid Steers
  • Wheeled Excavators
  • Wheeled Loaders
  • Wheeled Skid Steers

How do I get started?

If you’re looking to grow your business by financing the purchase of one or more pieces of earthmoving equipment, start by calling Auto Car Finance on 1300 547 226. After an initial obligation-free consultation, we’ll advise you on the appropriate loan for your purchase and provide a detailed quotation outlining all associated costs. We’ll also offer easy-to-follow advice detailing what you’ll need to do to have your loan approved. 

If you proceed with an application, we’ll be there to help every step of the way.

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    Please contact us on 1300 547 226 for a No Obligation, FREE Quote, and Approval! Or, simply contact us today for a 5-minute callback.