Fast, flexible finance for HiLux, Ranger, D-Max, Amarok, and all work utes. Bundle your tray, canopy, and toolboxes into the same loan. We compare 50+ lenders to get you the right deal.
At EasyAsset, ute finance is one of our most common requests. Whether you are financing a Toyota HiLux, Ford Ranger, Isuzu D-Max, Mitsubishi Triton, Volkswagen Amarok, or any other dual-cab work ute, we work with 50+ lenders to find the right structure for your business. We help tradies, sole traders, and businesses navigate chattel mortgages for utes, novated leases, low-doc tradie loans, accessories and fitout bundles, and the FBT exemption for eligible work vehicles every day. If it carries your tools and your livelihood depends on it, we can finance it fast.
The right structure depends on whether you are a business owner, sole trader, or employee, your GST position, and how much the ute is used privately versus commercially. FBT implications make this decision more nuanced for utes than for most other vehicles.
You own the ute from day one. Claim depreciation and interest as tax deductions. Best for sole traders and GST-registered businesses that use the ute predominantly for business. The most tax-effective structure when business use is over 50%.
Finance through your employer using pre-tax salary. Ideal for employees such as tradies on the tools working for a company. Repayments come from your pre-tax salary, reducing your taxable income. Running costs including fuel and servicing can be included in the package.
Lender owns it, you use it. Fixed lease payments, fully deductible as business expenses. A residual value remains at end of term. Good for businesses that prefer lower monthly payments and want flexibility to upgrade to a new model at end of term.
Hire now, own at the end. Fixed repayments over the term, ownership transfers on final payment. Interest is deductible. A straightforward structure for businesses that want fixed payments and eventual ownership without the balloon of a finance lease.
No full financials required. For sole traders and self-employed tradies without up-to-date tax returns. Typically needs ABN, GST registration, and 6 to 12 months of bank statements. Widely available for utes under $150,000 and very commonly used.
Finance your tray, canopy, and toolboxes together. Work-related accessories and fitouts including trays, canopies, drawer systems, bull bars, and toolboxes can often be bundled into the same finance facility as the ute, under one loan and one monthly repayment.
From a used HiLux for a starting tradie to a fully loaded premium ute for an established business, here is how the numbers typically look.
Indicative repayments only. Actual rates depend on your profile, lender, and product. Speak to our team for a tailored quote.
Adjust the sliders to estimate your repayments. Speak with our team for an exact quote based on your profile.
Answer 4 quick questions and our recommender will suggest the best ute finance structure for your situation, instantly, with no phone call needed.
4 questions · Takes about 30 seconds · Instant recommendation
Question 1 of 4
How would you describe your work situation?
The second-hand ute market in Australia is large and extremely active. Both new and used utes are regularly financed, and the right choice depends on your budget, trade income, and tax position.
Ute finance has more tax complexity than most other vehicle types because of FBT rules, the luxury car threshold, and the eligible vehicle exemption. Here is what you need to know.
Ute finance is accessible to sole traders, tradies, business owners, and employees. The pathway and best structure depend on whether you are self-employed or employed, and how the ute will be used.
Fill in the quick form above. No credit check, no commitment. Tell us what ute you are looking at, whether you want accessories bundled, and whether you are self-employed or employed. Takes about 2 minutes.
A specialist matches you to the best lender from our panel of 50+ based on your employment situation, the vehicle, and whether you need a chattel mortgage, novated lease, or low-doc tradie structure.
Pre-approval in as little as 24 hours, so you can negotiate from a position of strength with the dealer or private seller before someone else picks up the ute.
We handle the paperwork. Funds go directly to the seller. If accessories are bundled, all items settle together. You are on the road and earning with your new ute.
Free · No credit check · Pre-approval in 24 hours · Australian team