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Ute & van finance

Ute and Van Finance for Tradies

New ute, work van, tray or fit-out? Tell us what you're after and we'll compare lenders for you. It takes about a minute to start.

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  • Specialist in Business Lending
  • Australia-wide
  • No obligation quote
Step 1 of 5
How Much Do You Want to Borrow?

A rough figure is fine.

Enter a whole dollar figure.

What's the Finance For?

Pick the closest match.

Tell Us About the Property

A rough figure is fine. This helps us assess the enquiry.

Estimated market value of the property.

What is still owed against it? Use 0 if nothing.

How Long Have You Been Trading?

This helps us match you with the right lenders.

Do You Have an ABN?

What Industry Are You In?

Pick the closest match.

What's Your Monthly Turnover?

Where Should We Send Your Options?

We'll be in touch to talk through your options.

Helps us check lender fit faster.

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Thanks, We've Got It.

We'll be in touch shortly to talk through your options.

What it is

How Ute & Van Finance Works

Most tradies finance their work vehicle through the business with a chattel mortgage. The business owns the ute or van from day one, the vehicle secures the loan, and repayments come out of the business account.

You can usually roll the tray, canopy, racks, toolboxes and fit-out into the same loan, as long as they're part of the purchase.

What You Can Use It For

  • Dual cab and single cab utes
  • Vans and cab chassis
  • Trays, canopies, racks and toolboxes
  • A second vehicle for an apprentice or new hire
  • Trading in or refinancing your current ute

Who it suits

Is It Right for Your Business?

  • Sole traders, partnerships, companies and trusts with an ABN
  • Tradies who use the vehicle mainly for work
  • Newer ABNs and less than perfect credit are considered case by case. The lender makes the final decision.

Key Features

Loan size
From $10,000
Term
Commonly 1 to 5 years
Fit-out
Can usually be included
Balloon
Optional, lender dependent
Vehicles
New and used, dealer or private sale

A general guide only. Your lender sets the actual terms, rates and fees.

Benefits and trade-offs

The Good, and What to Watch

Benefits

  • Fit-out can usually go in the same loan
  • Repayments come from the business, not your personal account
  • An optional balloon can bring the weekly cost down

Trade-offs

  • A balloon means a lump sum at the end
  • Older vehicles and private sales can narrow lender choice
  • Rates depend on your ABN age, credit and deposit

How it works

Three Steps to Funding

  1. Tell Us What You Need

    A few quick questions about the finance and your business. It takes about a minute.

  2. We Compare Your Options

    We talk it through with you, then match your scenario to suitable lenders from our panel.

  3. Get Funded

    We handle the paperwork with the lender and keep you updated through to settlement.

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FAQs

Common Questions

I've only had my ABN a short time. Can I still get finance?

Possibly. Some lenders work with newer ABNs, especially if you've been in the same trade for a while. We'll be upfront about what's realistic.

Can I include the fit-out?

Usually, yes, when the tray, canopy or fit-out is part of the purchase. Tell us what you're adding and we'll check it with the lender.

Do I need a deposit?

Not always. A deposit or trade-in can help if your ABN is newer or your credit file has a few marks on it.

Can I buy from a private seller?

Yes, many lenders allow private sales. They'll usually want to confirm the vehicle and that there's no money owing on it.

Ready to Talk Finance?

Tell us what you need. We'll compare lenders and come back with options.

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