8-ton tipper finance funds a Class 2 tipper truck for civil, landscaping and cartage work. LDM Finance structures repayments around your season and cashflow, then places one application across its lender panel, including UDC Finance, Marac and Avanti Finance. Zero deposit options are available.
Financing a Class 2 tipper
✓Suited to owner-drivers and civil contractors buying their first or next tipper
✓New and used tippers financed, subject to age, hours and condition
✓Zero deposit options across the panel keep working capital in the business
✓Repayments structured around your work season and cashflow
Indicative only, five-year term, zero deposit, at a representative rate of 12.95% p.a. Actual terms depend on the truck, its age and your circumstances. Not an offer of finance.
Tipper finance questions
A Class 2 licence covers rigid vehicles with a gross laden weight over 6,000 kg, which includes a typical 8-ton tipper. Licence rules are set by Waka Kotahi NZ Transport Agency, so confirm the current requirement for your vehicle. Finance is separate from licensing and does not depend on it.
Yes. Used tippers are commonly financed, though the truck age, hours and condition affect the term and which lender suits. Older trucks may need a shorter term. We assess the vehicle and your trading position, then match the application to a lender on our panel that supports it.
Often, yes. Several lenders on the LDM panel offer zero deposit finance on commercial vehicles, including tippers, subject to approval and the asset. A deposit lowers the amount financed and total interest, but keeping cash free is often the better call for a working operation.
As a guide, an $85,000 tipper on a five-year term with zero deposit works out around $445 a week at a representative rate of 12.95% p.a. This is indicative only and not an offer. Use the calculator to model your own price, term and deposit.
LDM Finance works with a panel of lenders and is not a lender. Approvals are subject to responsible lending inquiries. Each lender's eligibility criteria, fees, terms and conditions apply. All figures are indicative only, at a representative rate of 12.95% per annum, and do not constitute an offer of finance. Finance wording follows UDC Finance's standard guidance and remains subject to UDC marketing review.
