Used Prime Mover 2026: Finance Trucks Up to 10 Years Old with 0% Down
Finance used prime movers up to 10 years old with 0% down payment. Banks reject trucks older than 5 years. Ing Heng finances based on condition.
Used Prime Movers: Smart Investment
Banks reject prime movers older than 5 years. But 7-10 year old trucks cost 50-60% less than new. Same earning capacity. 70-80% engine life remaining. Ing Heng Credit finances based on condition, not age.
Used Prime Mover Prices by Age
| Age | Price Range | Engine Life Remaining | Bank Policy |
|---|---|---|---|
| 5-7 years | RM140,000-RM180,000 | 70-80% | May finance (strict) |
| 7-10 years | RM100,000-RM140,000 | 60-70% | Rejected |
| 10+ years | RM60,000-RM100,000 | 50-60% | Rejected |
Why Used Prime Movers Make Sense
1. Lower Investment
New Prime Mover: RM380,000
Used (8 years): RM120,000
Savings: RM260,000 (68% cheaper)
2. Same Revenue
Used prime mover generates same revenue as new:
β’ Normal month: RM80,000-RM100,000
β’ CNY month: RM120,000-RM150,000
3. Faster ROI
New Truck Payback: 16-20 months
Used Truck Payback: 4-8 months
Bank vs. Ing Heng: Used Prime Mover
| Factor | Bank | Ing Heng |
|---|---|---|
| Age Limit | 5 years max | No limit |
| Down Payment (RM120k) | RM12,000-RM24,000 | RM0 |
| Approval Time | 2-4 weeks | 24-48 hours |
| Inspection | Reject if old | Assess condition |
Financing Examples
8-Year-Old Isuzu Giga (RM120,000)
Bank: Rejected (too old)
Ing Heng:
β’ Down payment: RM0
β’ Loan: RM120,000 (100%)
β’ Monthly: ~RM2,200-RM2,600
β’ Term: 5-7 years
10-Year-Old Hino 500 (RM90,000)
Bank: Rejected
Ing Heng:
β’ Down payment: RM0
β’ Loan: RM90,000 (100%)
β’ Monthly: ~RM1,600-RM2,000
β’ Term: 5-7 years
What We Look For
Inspection Criteria
- Engine Condition: Compression test, oil pressure, smoke levels
- Transmission: Gear shifting smoothness, clutch condition
- Chassis: Rust, structural integrity, accident damage
- Service History: Regular maintenance records
- Tyre Condition: Minimum 50% tread
- Electrical: Lights, dashboard, sensors working
Used Truck ROI: Real Example
8-Year-Old Fuso Great (RM110,000)
Investment: RM110,000 (0% down)
Monthly Net Profit:
β’ Revenue: RM80,000
β’ Operating costs: RM25,000
β’ Financing: RM2,000
Net: RM53,000 per month
Payback: 2 months
First Year Profit: RM636,000 - RM110,000 = RM526,000
Engine Life Reality
Prime Mover Engine Life: 1-1.2 million km
8-Year-Old Truck with 600,000 km:
β’ 50-60% engine life remaining
β’ 5-7 more years of service
β’ Generates RM3-5 million revenue in remaining life
Risks and Mitigation
Higher Maintenance
Risk: Used trucks need RM2,500-RM3,500/month maintenance (vs RM2,000-RM2,500 new)
Mitigation: Build RM10,000 reserve before purchase
Unexpected Repairs
Risk: Major repairs (engine, transmission) RM20,000-RM40,000
Mitigation: Keep RM20,000 emergency fund
When Used Makes Sense
- Limited startup capital
- Want to test transport business
- Need quick ROI
- Plan to upgrade later
- Experienced with truck maintenance
Ing Heng Credit: Used Prime Mover Financing
- 0% down payment
- 100% financing
- No age limit
- 24-48 hour approval
- Assess condition, not age
Success Story
"Bought 8-year-old Isuzu Giga for RM130,000 in 2024. 0% down payment. Bank rejected (too old). Ing Heng approved in 24 hours. Running Klang-Penang route. Monthly profit RM45,000-RM55,000. Truck paid off in 3 months. 18 months later, bought second used truck with profits. Both trucks generating RM100,000+ monthly profit. Used trucks let me start with RM0 down."
β Muthu Kumaran, Transport Operator
Finance Used Prime Mover with 0% Down
Any age, any condition. Approved in 24-48 hours.
Contact: +60175700889 (WhatsApp) | 03-3324 8899 (Phone)