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Lorry Financing Guide

Isuzu vs FUSO vs Hino: Malaysia's Best Lorry Financing Comparison

Compare Isuzu, FUSO, and Hino lorries for Malaysian logistics. Learn fuel efficiency, resale value, maintenance costs, and financing options for each brand.

10 min read

Malaysia's Big Three Japanese Lorry Brands

Understanding the market leaders in commercial logistics vehicles

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Isuzu

Japan Heritage

Market Share
35%
Fuel efficiency leader
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FUSO (Mitsubishi)

Japan Heritage

Market Share
28%
Durability specialist
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Hino

Japan Heritage

Market Share
22%
Reliability focused

Quick Summary: Isuzu leads in fuel efficiency and resale value (ideal for long-haul), FUSO offers power and durability at lower initial cost (great for heavy loads), Hino balances reliability with reasonable pricing (suited for urban delivery). All three have strong financing approval rates at Ing Heng Credit.

Detailed Comparison Table

Malaysian logistics operators have three dominant Japanese brands to choose from. Here's how they compare across key factors:

Factor Isuzu FUSO Hino Winner
Fuel Efficiency (km/l) 4.5-5.5 4.0-5.0 4.2-5.2 Isuzu
Initial Price (5-ton) RM140k-160k RM135k-155k RM145k-165k FUSO
Resale Value (5-year) 55-65% 50-60% 52-62% Isuzu
Maintenance Cost/Year RM8k-12k RM10k-14k RM9k-13k Isuzu
Parts Availability Excellent Excellent Very Good Isuzu/FUSO
Engine Power (PS) 150-210 150-240 150-220 FUSO
Service Centers 65+ nationwide 60+ nationwide 50+ nationwide Isuzu
Warranty 3 years/unlimited km 3 years/100k km 3 years/unlimited km Isuzu/Hino
Loading Capacity 5-10 tons 5-10 tons 5-10 tons Tie
Driver Comfort Modern ergonomics Spacious cabin Functional design FUSO

Isuzu: The Fuel Efficiency Champion

Market Leader (35% Share) - Isuzu dominates Malaysian logistics for good reason. The brand's reputation for fuel efficiency makes it the top choice for long-haul operators.

Key Strengths

  • Fuel Efficiency: 4.5-5.5 km/l (best in class) saves thousands annually
  • Resale Value: 55-65% retention after 5 years (highest among brands)
  • Service Network: 65+ service centers nationwide
  • Warranty: 3 years with unlimited kilometers

Best For

  • Long-haul routes (KL-Penang, KL-Johor, KL-Kuantan)
  • High-mileage operations (>8,000 km/month)
  • Operators prioritizing total cost of ownership over initial price
  • Port Klang logistics (fuel efficiency matters most)

Diesel Price Reality Check

At RM3.35/litre (up 55% since June 2024), Isuzu's fuel advantage translates to:

  • 10,000 km/month: Save ~RM400-600/month vs. competitors
  • Annual savings: RM4,800-7,200 in fuel costs alone
  • 5-year savings: RM24,000-36,000 (often exceeds initial price difference)

FUSO (Mitsubishi): The Power & Value Choice

Strong Challenger (28% Share) - FUSO balances power, durability, and competitive pricing. It's the go-to choice for heavy-load operations and budget-conscious SMEs.

Key Strengths

  • Lower Initial Price: RM135k-155k for 5-ton models (most affordable)
  • High Torque: 150-240 PS engine options for challenging terrain
  • Durability: Built tough for heavy-load applications
  • Spacious Cabin: Best-in-class driver comfort for long trips

Best For

  • 10-ton lorries for heavy cargo (construction materials, machinery)
  • Cross-border operations (Singapore-Thailand routes)
  • Hilly terrain (Penang hills, Cameron Highlands routes)
  • Budget-conscious startups needing reliable workhorses

Hino: The Reliability Specialist

Third Pillar (22% Share) - Hino earns its reputation through reliability and reasonable pricing. It's particularly strong in urban delivery applications.

Key Strengths

  • Proven Reliability: Lower breakdown rates in stop-start urban operations
  • Functional Design: No-frills approach focused on cargo capacity
  • Reasonable Pricing: Mid-range pricing between Isuzu and premium options
  • Warranty: 3 years unlimited kilometers (matches Isuzu)

Best For

  • Urban delivery (Klang Valley, Penang Island, Johor Bahru)
  • Frequent stop-start operations (last-mile delivery)
  • Operators valuing reliability over brand prestige
  • Multi-drop routes requiring consistent performance

Financing Comparison by Brand

All three brands enjoy high approval rates at Ing Heng Credit, but monthly payments vary based on vehicle price:

Brand Loan Amount (5-ton) Interest Rate Monthly Payment (7-yr) Approval Rate
Isuzu RM140k-160k 2.88-3.5% ~RM2,100-2,400 95%
FUSO RM135k-155k 2.88-3.5% ~RM2,000-2,300 94%
Hino RM145k-165k 2.88-3.5% ~RM2,150-2,450 93%

Note: All rates based on 0% down payment, 7-year tenure. Actual rates vary based on credit profile, business financials, and specific model.

Which Brand Suits Your Operations?

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Long-Haul (>500km/trip)

Recommended: Isuzu

Best fuel efficiency reduces operating costs over distance

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Heavy Loads (10-ton)

Recommended: FUSO

Higher torque and power for challenging terrain

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Urban Delivery (Klang Valley)

Recommended: Hino

Reliability for frequent stop-start operations

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Port Klang Operations

Recommended: Isuzu

Fuel economy + resale value in high-demand area

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Cross-Border (Singapore-Thailand)

Recommended: FUSO

Power and durability for international routes

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Budget-Conscious SME

Recommended: FUSO

Lower initial price with proven reliability

Total Cost of Ownership: 5-Year Projection

For logistics operators, total cost of ownership matters more than initial price. Here's a realistic 5-year projection for a 5-ton lorry doing 10,000 km/month:

5-Year Cost Comparison (10,000 km/month)

Cost Category Isuzu FUSO Hino
Initial Price RM150,000 RM145,000 RM155,000
Fuel (5 years @ RM3.35/L) RM457,000 RM504,000 RM487,000
Maintenance (5 years) RM50,000 RM60,000 RM55,000
Interest (7-year loan) RM22,000 RM21,000 RM23,000
Total Cost RM679,000 RM730,000 RM720,000
Resale Value (after 5 years) RM90,000 RM75,000 RM82,000

Winner: Isuzu saves RM51,000 over 5 years compared to FUSO

Key Insight: Despite higher initial price, Isuzu's fuel efficiency and resale value make it the most economical choice for high-mileage operations.

Port Klang Logistics: Which Brand Wins?

With Port Klang handling 14.64 million TEUs in 2024, container trucking is a major business segment. Our recommendation:

Best for Port Klang: Isuzu

Container movements involve frequent short trips and waiting time. Isuzu's fuel efficiency during idle and stop-go traffic provides maximum savings.

  • Average Port Trip: 30-50 km (warehouse to port to warehouse)
  • Daily Trips: 3-5 trips/day typical
  • Annual Distance: 40,000-60,000 km/year
  • Fuel Savings: RM3,000-5,000/year vs. competitors

Why Choose Ing Heng Credit for Lorry Financing?

All Brands Supported

We finance Isuzu, FUSO, Hino, and all major Japanese brands with competitive rates.

93-95% Approval Rate

High approval across all three brands based on business profile, not vehicle choice.

0% Down Payment

Preserve cash for operations, fuel, and driver costs regardless of brand.

Fast 72-Hour Approval

Meet urgent contract deadlines without brand-specific delays.

Get Started: Choose Your Lorry Brand

Ready to finance your next logistics lorry? Contact us with:

  1. Your preferred brand (Isuzu, FUSO, Hino, or other)
  2. Intended use (long-haul, urban delivery, port operations, etc.)
  3. Expected monthly mileage
  4. Required load capacity (5-ton, 10-ton, etc.)
  5. Business financial documents (bank statements, tax returns)

Not sure which brand? Our logistics specialists can provide a personalized recommendation based on your routes, cargo, and budget.

Finance Your Isuzu, FUSO, or Hino Lorry Today

All three brands available with 0% down payment, fast 72-hour approval, and competitive rates from 2.88% p.a.

Or call us: 017-570 0889

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