Keep your deposit working in the business. Drive the ute you need — dual cab, tray back, or single cab — with fast pre-approval and minimal paperwork.
Your work ute is one of the most important assets in your business. It's how you get to jobs, carry your tools and materials, and present your brand. But tying up $45,000–$65,000 in cash to buy one outright means that money isn't available when you need it for wages, materials, or unexpected expenses.
Equipment finance lets you drive the ute you actually need — not the one you can afford in cash right now — while keeping your working capital free. For most established trade businesses, approval is straightforward and fast.
✅ Dual cab utes
Hilux, Ranger, Navara, BT-50, D-Max
✅ Tray back / cab chassis
With toolboxes, service bodies, crane setups
✅ Single cab utes
Work-only configurations
✅ New & used
Dealer or private sale (conditions apply)
Based on a 7.9% p.a. comparison rate. Your actual rate depends on lender assessment.
| Ute Value | 3 Years | 5 Years | 7 Years |
|---|---|---|---|
| $35,000 | ~$1,090/mo | ~$710/mo | ~$540/mo |
| $45,000 | ~$1,400/mo | ~$910/mo | ~$695/mo |
| $55,000 | ~$1,710/mo | ~$1,115/mo | ~$849/mo |
| $65,000 | ~$2,020/mo | ~$1,315/mo | ~$1,003/mo |
Indicative only. Not a credit offer. All finance subject to lender approval. Rates and fees vary.
Most approvals within 4–24 business hours. No impact on credit score until you accept.
Our finance service is completely free to you. We're paid a commission by the lender — you pay nothing extra for our help arranging your finance.
💡 Tip: Financing your ute instead of buying outright keeps $40K–$65K in your business. That's wages for 3 months, a full materials float, or a deposit on your next piece of equipment.
Most lenders will finance between $10,000 and $150,000 for work vehicles. For a typical $45,000–$65,000 dual-cab ute, approval is straightforward for most established trade businesses with an active ABN and reasonable credit history.
Most approvals come back within 4–24 business hours. Once approved and paperwork is signed, you can typically pick up the vehicle within 1–2 business days.
No deposit is required in most cases. Many tradies choose to finance the full purchase price and keep their cash working in the business. A deposit can reduce your repayments if you prefer.
Yes. Most lenders will finance both new and used utes. Used vehicles typically need to be under 10–12 years old at the end of the loan term, though this varies by lender. Private sales can also be financed in many cases.
In many cases, interest payments and depreciation may be claimable as business expenses. The ATO's instant asset write-off provisions may also apply depending on the vehicle value and your situation. Speak with your accountant — this is general information only, not tax advice.
With a chattel mortgage, you own the vehicle from day one and the lender holds the mortgage as security. With a finance lease, the lender technically owns the vehicle during the term and you make lease payments. Both have different tax and accounting implications. We can walk you through the options suited to your situation.
Transit, Sprinter, Hiace and more.
All trailer types — flat, enclosed, plant.
Mini-ex to 20t. Fast approvals.
Take the Equipment Finance Readiness Check. Most approvals within 4–24 business hours.