Isuzu Prime Mover 2026: Transport Budget & Financing Guide
Complete guide to Isuzu prime mover financing in Malaysia 2026. 0% down payment, fast approval, and budget-friendly rates for haulage contractors.
Why Isuzu Prime Movers? Malaysia's Transport Favorite
Isuzu prime movers dominate Malaysia's haulage industry for good reason. Proven reliability, fuel efficiency, low maintenance costs, and high resale value make Isuzu the smart choice for transport contractors watching their budget.
Isuzu Prime Mover Advantages:
β’ Fuel-efficient engines (lower operating costs)
β’ Low maintenance (fewer breakdowns, less downtime)
β’ High resale value (65-75% after 5 years)
β’ Parts availability (nationwide dealer network)
β’ Driver-friendly (ergonomic cabin, easy handling)
β’ Proven durability (many 10+ year old trucks still running)
2026 Isuzu Prime Mover Price Guide
New Isuzu Prime Mover Models (Malaysia)
| Model | Engine | HP | Price Range (New) | Monthly Installment* |
|---|---|---|---|---|
| Isuzu Giga EXZ 6x2 | 6HK1-TC | 380 HP | RM380,000 - RM420,000 | RM5,100 - RM5,700 |
| Isuzu Giga EXY 6x4 | 6HK1-TC | 380 HP | RM420,000 - RM460,000 | RM5,700 - RM6,200 |
| Isuzu Giga EXZ 28ft Trailer | 6HK1-TC | 380 HP | RM400,000 - RM440,000 | RM5,400 - RM5,900 |
| Isuzu Giga EXY 40ft Trailer | 6HK1-TC | 380 HP | RM450,000 - RM490,000 | RM6,100 - RM6,600 |
*Monthly installment based on 7-year term, 5% interest, 0% down payment.
Used Isuzu Prime Mover Prices (2026)
| Age | Condition | Price Range | Financing Available |
|---|---|---|---|
| 1-3 Years | Excellent | RM280,000 - RM340,000 | Yes (Up to 7 years) |
| 4-6 Years | Good | RM180,000 - RM250,000 | Yes (Up to 6 years) |
| 7-10 Years | Fair | RM100,000 - RM160,000 | Yes (Up to 5 years) |
Transport Budget: Isuzu Operating Costs
Monthly Cost Breakdown (Typical Operation)
| Cost Item | Monthly Cost | Annual Cost |
|---|---|---|
| Installment (7-year, 5%) | RM5,700 | RM68,400 |
| Diesel (6,000 km/month) | RM12,000 | RM144,000 |
| Driver Salary | RM2,500 | RM30,000 |
| Maintenance & Repairs | RM3,000 | RM36,000 |
| Tyre Replacement | RM1,500 | RM18,000 |
| Insurance (Goods + Vehicle) | RM1,200 | RM14,400 |
| Road Tax | RM200 | RM2,400 |
| Toll Charges | RM500 | RM6,000 |
| Total Expenses | RM26,600 | RM319,200 |
Revenue Potential (Haulage Rates 2026)
| Route Type | Rate per km | Distance | Trip Revenue |
|---|---|---|---|
| Peninsular (North-South) | RM4.50 - RM6.00 | 800 km | RM3,600 - RM4,800 |
| Regional (KL-Penang) | RM5.00 - RM6.50 | 350 km | RM1,750 - RM2,275 |
| Regional (KL-Johor) | RM5.00 - RM6.50 | 300 km | RM1,500 - RM1,950 |
| Local (Klang Valley) | RM6.00 - RM8.00 | 100 km | RM600 - RM800 |
0% Down Payment: Preserve RM80,000+ Capital
Traditional vs. 0% Down Payment
Scenario: RM420,000 Isuzu Giga EXY (6x4)
Traditional Financing (20% Down Payment):
β’ Down payment required: RM84,000
β’ Financed amount: RM336,000
β’ Monthly installment (7 years, 5%): RM4,800
β’ Cash tied up immediately: RM84,000
0% Down Payment (Ing Heng Credit):
β’ Down payment required: RM0
β’ Financed amount: RM420,000
β’ Monthly installment (7 years, 5%): RM5,700
β’ Cash preserved: RM84,000
Use Preserved RM84,000 For:
- Diesel fund: RM36,000 (3 months coverage)
- Driver salaries: RM7,500 (3 months)
- Insurance & road tax: RM16,800 (1 year)
- Maintenance reserve: RM12,000
- Working capital: RM11,700
The RM84,000 Launch Fund
Starting haulage business requires substantial working capital:
- Diesel Prepayment: RM36,000 (fuel suppliers often require advance payment)
- Driver Hiring: RM7,500 (3 months' salaries for 1 driver)
- Insurance Coverage: RM16,800 (comprehensive goods + vehicle insurance)
- Licensing & Permits: RM5,000 (JPJ, APAD, business licenses)
- Maintenance Reserve: RM12,000 (first 3 months)
- Marketing & Operations: RM7,500 (acquiring first contracts)
Total: RM84,000 fully deployed to launch operations. Without 0% down payment, you'd drain capital before first shipment.
Isuzu vs. Other Brands: Budget Comparison
| Factor | Isuzu | Fuso | Hino | Volvo |
|---|---|---|---|---|
| Purchase Price | RM380K-490K | RM360K-470K | RM370K-480K | RM480K-620K |
| Fuel Efficiency | Excellent (2.8-3.2 km/L) | Good (2.6-3.0 km/L) | Good (2.6-3.0 km/L) | Excellent (3.0-3.4 km/L) |
| Maintenance Cost | Low (RM3K/month) | Medium (RM3.5K/month) | Medium (RM3.5K/month) | High (RM5K/month) |
| Resale Value | High (65-75%) | Medium (55-65%) | Medium (55-65%) | High (60-70%) |
| Parts Availability | Excellent | Good | Good | Limited (longer wait) |
| Total 5-Year Cost | RM1.5M-1.8M | RM1.6M-1.9M | RM1.6M-1.9M | RM1.7M-2.1M |
Isuzu Budget Winner: Lowest total cost of ownership over 5 years when combining purchase price, fuel efficiency, and maintenance costs.
Approval Requirements: Isuzu Prime Mover Financing
For Transport Companies
Minimum Requirements:
β’ Business registration: 2+ years
β’ APAD permit: Valid and active
β’ Annual revenue: RM500,000+
β’ Contracts or regular clients: Confirmed shipping volumes
Documents Required:
β’ SSM business registration
β’ APAD license (valid)
β’ JPW permit (if applicable)
β’ Financial statements (2 years)
β’ Bank statements (12 months)
β’ Transport contracts or client letters
β’ Director's NRIC (front and back)
For Owner-Operators
Minimum Requirements:
β’ Driving license: Class E (valid)
β’ APAD permit: Goods vehicle license
β’ Experience: 3+ years driving prime movers
β’ Contract or letter from transport company
Documents Required:
β’ NRIC (front and back)
β’ Driving license (Class E)
β’ APAD permit
β’ Bank statements (6 months)
β’ Contract or letter from transport company
ROI: Isuzu Prime Mover Profit Potential
Monthly Revenue Breakdown (Peninsular Route)
| Route | Trips/Month | Revenue/Trip | Monthly Revenue |
|---|---|---|---|
| KL-Penang Return | 6 trips | RM3,800 | RM22,800 |
| KL-Johor Return | 6 trips | RM3,400 | RM20,400 |
| Total | 12 trips | RM43,200 |
Monthly Expenses: RM26,600 (from budget table above)
Net Monthly Profit: RM43,200 - RM26,600 = RM16,600
Payback Period: RM420,000 Γ· RM16,600 = 25 months
After payback, the truck generates RM16,600+ monthly profit for remaining 5+ years of operation.
Real Transport Success: Isuzu Fleet Growth
Owner-Operator to Fleet Owner
"Started 2019 as owner-operator. Bought used 2015 Isuzu Giga (RM140,000). Financed RM120,000 (0% down). Monthly RM2,100. Hauled for transport companies (sub-con). RM2,000-RM2,500 daily. Worked 25 days monthly. RM50,000-RM62,500 monthly revenue. Net profit: RM18,000-RM25,000 monthly after all expenses. Truck paid in 7 months. 2020: saved RM150,000. Added second Isuzu (used 2017). Financed RM160,000 (0% down). Monthly RM2,800. Both trucks profitable. Monthly revenue RM120,000+. 2021: added third Isuzu (new). Financed RM420,000 (0% down). Monthly RM5,700. Fleet: 3 trucks. Monthly revenue RM200,000+. 2022: hired 2 admin staff, focused on direct clients. Margins improved. 2023: added 2 more Isuzu trucks. Fleet: 5 trucks. Monthly revenue RM350,000+. 2024: bought warehouse, started logistics division. 2025: 8-truck fleet. Monthly revenue RM600,000+. All Isuzu. Reliable, fuel-efficient, low maintenance. 0% down payment on every truck preserved capital for expansion. Now profitable business with 12 employees, 8 Isuzu trucks, warehouse, logistics services. Started with RM2,100 monthly installment."
β Zainal Abidin bin Ismail, Logistics Owner (Klang Valley)
Why Finance Isuzu Prime Mover with Ing Heng Credit
1. Transport Equipment Specialists
We understand haulage businesses:
β’ APAD permit holders approved
β’ Owner-operators supported
β’ First-time buyers welcomed
β’ Fleet expansion financing available
2. 0% Down Payment
Preserve RM80,000+ working capital:
β’ No down payment required
β’ Full amount financed
β’ Use preserved cash for diesel, salaries, licensing
3. Competitive Rates
Best rates for Isuzu prime movers:
β’ From 5% interest annually
β’ Terms up to 7 years
β’ Early settlement options
4. Fast Approval
Don't wait weeks:
β’ Approval in 24-48 hours
β’ Documents via WhatsApp
β’ Direct payment to dealer
5. Used Equipment Financing
We finance used Isuzu prime movers up to 10 years old:
β’ Used trucks cost 50-60% less
β’ Isuzu reliability even at high mileage
β’ Faster equity building
Ready to Finance Your Isuzu Prime Mover?
Isuzu prime movers offer the best total cost of ownership for Malaysian transport businesses. Fuel-efficient, reliable, low maintenanceβand with 0% down payment financing, you preserve the RM80,000+ needed to launch and sustain operations.
Whether you're an owner-operator starting your first truck or expanding your fleet, we'll structure financing that fits your route contracts and cash flow.
Join 4,000+ businesses who have trusted Ing Heng Credit since 1985.
Finance Isuzu Prime Mover with 0% Down
Get approved in 48 hours. Preserve RM80,000+ for operations. New & used Isuzu trucks financed.
Contact: +60175700889 (WhatsApp) | 03-3324 8899 (Phone)