Finance at Pacific Hino

Hino Financial Services

At Pacific Hino we can provide you with a range of finance and insurance options to complete the purchase of your Hino truck or bus. We can structure a competitive package for all your Finance and Insurance requirements. We have a strong commitment to our clients ensuring that they get the best possible service and products to meet their individual needs.

Consumer Loan

We realise that everyone's lifestyle and financial situation is different. That's why we offer a range of personal financial solutions to suit all types of individuals, all types of cash flows and all types of lifestyle requirements.

With our highly popular Personal Customer Plan, you can:

  • Include all on-road, registration and insurance costs into your finance package (first year only)
  • Reduce your monthly payments by structuring the last payment as a much larger balloon payment.
  • Then, at the end of the term you own the vehicle outright.
  • We can also organise convenient and easy repayments by way of monthly, fortnightly or weekly direct debit. Just nominate whichever suits best!

Hino Term Purchase

This finance option represents the ideal choice if you seek the security of vehicle ownership. In essence, ownership of the vehicle passes to you upon receipt of your final installment.

If you wish, all on-road, registrations and insurance costs (first year only), and Lexus Extra Care services, can be included in your monthly installments.

We also offer:

  • Interest rates are fixed for the term
  • Terms are negotiable with a range of 12–60 months*
  • For tax and accounting purposes the operator is treated as the owner (i.e. on-balance sheet financing)
  • Depreciation allowances may be claimed
  • Ownership of trucks and buses is passed to customer upon payment of final instalment

For further information please contact Pacific Hino.

* Subject to age of vehicle. For used trucks and buses up to five years old 12-60 month terms are available.

Hino Fleet Financing

An operating lease enables customers with 20 or more trucks and buses to outsource vehicle acquisition and disposal, passing the risks of ownership onto Hino Financial Services. The customer may choose any or all of the Fleet Management Services as part of their monthly payment.

Features and benefits:

  • 100% funding at a known monthly cost
  • Simplified administration as lease rentals, normally fully tax deductible (except luxury vehicles), are expensed at the same rate in profit and loss account and cash flows
  • No liability or asset is shown on the balance sheet
  • Maintenance risk is eliminated as tyres, registration and other running costs can be built into the rental to provide the customer with a known fixed expense for varied terms and kilometres
  • Fleet servicing and OH&S compliance is managed by qualified mechanics using Hino Financial Services’ purchasing power on trucks and buses, labour and parts
  • Resale risk is eliminated, as vehicle is returned to Hino Financial Services at the end of lease term with no residual value liability

For further information please contact Pacific Hino.

* Subject to age of vehicle. For used trucks and buses up to five years old 12-60 month terms are available.

^Approved applicants only. Terms and conditions apply. Toyota Finance is a division of Toyota Finance Australia Limited ABN 48 002 435 181, AFSL and Australian Credit Licence 392536.