Tradie ute with an aluminium tray on a job site
Ute finance

Utes for people who actually use the tray.

Work ute or weekend one, we compare personal and business finance and show you which suits how you'll use it.

Australian Credit Licence 509582. Fees and lender criteria apply.

Finance for Australia's Most Popular Utes

Whether you're after a workhorse for the job site or a family adventure vehicle, we can help you finance the ute you need.

Toyota Hilux

Australia's best-selling vehicle

Ford Ranger

Powerful and capable workhorse

Isuzu D-Max

Reliable and fuel-efficient

Mazda BT-50

Comfort meets capability

Mitsubishi Triton

Value-packed performer

Nissan Navara

Smooth ride, tough build

Plus Volkswagen Amarok, GWM Ute, LDV T60, and many more

Why Choose Simple Loans for Ute Finance?

We make ute finance simple, fast, and affordable for all Australians.

Decisions Can Be Same Day

Timing depends on the lender and your documents.

Flexible Terms

Choose from 1-7 year loan terms to suit your budget

Competitive Rates

Access rates from 50+ banks and lenders to compare eligible options

Business Use

Tax-effective finance options for ABN holders

Ute Finance for Everyone

Whether you're a tradie needing a work vehicle, a business owner looking for tax benefits, or a family wanting a capable tow vehicle, we have finance options for you.

Tradies

Builders, plumbers, electricians - we understand your business needs a reliable ute

Business Owners

ABN holders can access chattel mortgage and commercial hire purchase options

Families

Dual-cab utes are perfect for towing the caravan or boat on weekends

First-Time Buyers

Low deposit options and support for those new to vehicle finance

Tradesman beside his dual cab ute at an Australian job site

Decisions

Can be same day

Depends on the lender and your documents

Ute Finance FAQs

Common questions about financing your ute in Australia.

What deposit do I need for ute finance?

Most lenders require a 10-20% deposit, but we have options for low or no deposit ute finance depending on your circumstances.

Can I finance a ute for business use?

Yes! ABN holders can access tax-effective options like chattel mortgage, where you can claim GST upfront and deduct interest payments.

How quickly can I get a decision on ute finance?

Decisions can be available the same day. Timing depends on the lender, how complete your application is, and when your documents arrive.

Can I get ute finance with bad credit?

Yes, we work with specialist lenders who consider applicants with past credit issues. Your current income and stability matter most.

Access 50+ Ute Finance Lenders

We compare rates from Australia's leading vehicle finance providers including Pepper Money, Plenti, Wisr, Firstmac, and many more.

Pepper MoneyPlentiWisrFirstmacMoney3Finance OneNow FinanceLibertyLatitudeMacquarieANZWestpacNABCBA+ 36 more lenders