Compare Ute & Truck Finance from 50+ Australian Lenders
From dual-cab 4x4s to full-size American trucks, line up sharp rates and repayments that fit your budget.
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Ute and Truck Finance Made Simple
Whether you’re eyeing a Toyota HiLux, Ford Ranger, Isuzu D-MAX or a full-size RAM 1500, Ford F-150/F-250 or Chevy Silverado, we’ll help you finance it on terms that work for you.
Borrow What You Need
Typical amounts from $10,000 to $150,000+
Flexible Terms
1 to 7-year terms — set repayments to suit your cash flow
Fast Decisions
Eligible applications can be assessed the same day
New or Used
Dealer, auction or private sale supported
Predictable Repayments
Lock in fixed repayments so you always know what’s due
Towing & Fit-outs
Bull bars, tow kits, canopies and trays can often be bundled
How it works
Compare lenders without the run-around — clear offers, quick steps, and help at every stage.
Apply online in 3 minutes
Tell us about you, the ute or truck you want, and your budget.
See matched options
Compare secured vs unsecured, fixed vs variable — side by side.
Upload your documents
ID, income and recent bank statements usually do the trick.
Settle & drive
We coordinate with the lender and seller so you can pick up sooner.
Backed by over 50+ lenders
Giving you the best chance of being approved.
A quick guide to ute and truck finance
Need a dual-cab for the family and the job site, or stepping up to a full-size truck for towing? A ute or truck loan lets you buy now and spread the cost into manageable repayments over 1–7 years. You keep your savings intact while getting the capability you want — payload, towing, 4x4, accessories — right away.
Lenders look at your income, credit history and the vehicle’s age/value to size the loan and set the rate. Newer vehicles (including RAM 1500/2500, Ford F-150/F-250 and Silverado) can unlock sharper pricing and longer terms; older models are still financeable with slightly different limits. The right structure makes the difference between a stretch and a comfortable fit.
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Types of ute and truck loans
Pick the structure that fits your budget and ownership plans:
Secured Car Loan
A car loan secured against the vehicle you're purchasing, offering competitive rates and terms for both new and used cars.
Pros
- Lower interest rates due to vehicle security
- Higher loan amounts available
- Longer repayment terms possible
Cons
- Vehicle serves as collateral - risk of repossession
- Restrictions on selling the vehicle during loan term
- Comprehensive insurance typically required
Best For
Car buyers seeking the lowest possible rates who are comfortable securing the loan against their vehicle. Perfect for new and used car purchases with competitive terms.
Unsecured Personal Loan
A personal loan that doesn't require collateral, based on your creditworthiness and ability to repay, offering flexibility for various purposes.
Pros
- No collateral required - no risk to personal assets
- Quick approval and funding process
- Flexible use of funds for any purpose
Cons
- Higher interest rates than secured loans
- Stricter credit requirements
- Lower maximum loan amounts available
Best For
People who need flexible funding for any purpose without risking their assets. Ideal for debt consolidation, home improvements, holidays, and old or exotic vehicles.
Fixed Rate Car Loan
A secured car loan with a fixed interest rate that remains constant throughout the loan term, providing predictable monthly payments.
Pros
- Predictable monthly payments with fixed interest rates
- Protection against interest rate increases
- Easier budgeting and financial planning
Cons
- Cannot benefit from interest rate decreases
- Typically higher initial rates than variable loans
- Less flexibility in payment structure
Best For
Budget-conscious borrowers who want predictable monthly payments and protection against interest rate increases. Ideal for first-time car buyers or those on fixed incomes.
Variable Rate Car Loan
A secured car loan with an interest rate that can fluctuate with market conditions, potentially offering savings when rates decrease.
Pros
- Can benefit from interest rate decreases
- Often lower initial rates than fixed loans
- More flexible loan features available
Cons
- Monthly payments can increase with rising rates
- Uncertainty in budgeting due to rate fluctuations
- Risk of significant payment increases
Best For
Financially savvy borrowers who can handle payment fluctuations and want to capitalise on falling interest rates. Great for those with stable income who expect rates to drop.
What can you use ute and truck finance for?
Tailor your finance to how you actually use your vehicle — weekday workhorse, weekend adventure or both.
Work & Trades
Finance a HiLux, Ranger, BT-50, D-MAX or Triton fitted with trays, canopies, ladder racks and drawers so you can carry tools safely and stay organised.
Family Dual-Cab
Get a safe, roomy dual-cab with ISOFIX and modern safety tech — perfect for school runs and weekend trips.
Off-Road & Touring
Step up to a 4x4 build with suspension, bull bar, tow kit and snorkel — or go full touring spec for the Big Lap.
Towing Power
Need serious tow capacity for a boat, caravan or car trailer? Consider full-size trucks like RAM 1500/2500, F-150/F-250 or Silverado.
Lifestyle & Recreation
Mountain bikes, surfboards, camping gear — set up your rig for the hobbies that make weekends worth it.
Replacement Vehicle
Upgrade from an unreliable ute into something safer, stronger and more efficient without a big upfront hit.
Case Study
Alex & Priya
Alex & Priya step up to a RAM 1500—power for the 3.5t van, payments that fit
Challenge: Towing a 3.5-tonne caravan safely meant stepping beyond their old ute, but Alex and Priya didn’t want repayments derailing the household budget.
Solution: A secured, fixed-rate 5-year loan funded 90% of a low-km RAM 1500, with tow package, brake controller and canopy bundled at settlement.
Emu Money compared multiple lenders and they chose a sharp fixed rate with one consolidated repayment. The result was a calmer, more capable tow rig and a calendar full of longer trips—no giant deposit, no surprises, and monthly costs that stay comfortably on track.
How much can you borrow?
Loan sizes typically range from $10,000 to $150,000+. New utes and full-size trucks can often be financed up to 100% of the purchase price (subject to profile and lender policy). Used vehicles are usually capped at 80–90% of value.
Terms run 1–7 years. Shorter terms mean higher monthly repayments but less interest overall; longer terms keep repayments lower but increase the total interest paid. We’ll help you find the balance that fits your budget.
Ute and Truck Finance Repayment Calculator
Model your repayments before you apply. Adjust amount, rate, term and balloon to see what fits.
Balance over time
Are you eligible for ute and truck finance?
Lenders want to see that the repayments fit comfortably alongside your other bills. They’ll consider your income, employment stability, credit history and bank-statement health. The vehicle matters too — newer utes and trucks (including RAM, F-Series and Silverado) often attract sharper rates and longer terms, while older models may come with lower maximum LVRs and shorter terms.
If your credit isn’t perfect or you’re self-employed, there are still options. Specialist lenders may offer flexible policies so you can get into the right vehicle without unnecessary hurdles.
You may be eligible if you are:
An Australian resident aged 18+
Earning a regular income (PAYG or self-employed)
Able to provide recent bank statements or payslips
Buying an eligible new or used ute/truck from a dealer, auction or private seller
How to apply for ute and truck finance
Apply online in a few minutes, upload your documents, and we’ll do the legwork. We’ll compare lender offers, explain the differences, and manage settlement with the seller so pickup is smooth.
Documents you may need:
Driver’s licence or passport
Recent payslips or bank statements
Employment/ABN details
Vehicle details (VIN, rego, invoice/quote) — plus accessory quotes if you’re bundling fit-outs
How to save money on ute and truck finance
Look beyond the headline rate. Secured loans usually price sharper than unsecured. A balloon can cut monthly repayments but leaves a lump sum at the end — set the balloon to align with expected resale value. Newer vehicles often qualify for better pricing and longer terms. Bundle accessories (tow kits, canopy, tray, bull bar) at settlement so they’re financed at the same competitive rate. And always check fees and early-repayment policies to avoid bill-shock later.
Example: Balloon impact — $55,000 over 60 months at 8.19% p.a.:
| Balloon | Approx. Monthly Repayment | Notes |
|---|---|---|
$0 | $1,121 | Highest monthly cost |
10% ($5,500) | $1,009 | Lower monthly cost |
20% ($11,000) | $898 | Balance of cost vs cash flow |
30% ($16,500) | $787 | Lowest monthly cost; plan for resale/refinance |
Ute and truck loan options explained
These features change cost, flexibility and risk — pick what suits how you use your vehicle:
Secured vs Unsecured
Secured loans use the vehicle as collateral for sharper pricing. Unsecured loans can be faster and more flexible but usually cost more.
Fixed vs Variable
Fixed keeps repayments steady. Variable can move with the market — potential savings if rates fall, higher costs if they rise.
Balloon Payments
Lower your monthly cost by deferring a lump sum to the end. Make sure resale value or savings can cover it.
Early Repayment Flexibility
Some lenders allow extra repayments or early payout with little/no penalty — a simple way to save interest.
Fees & Charges
Check establishment, monthly and exit fees. The total cost is rate + fees + how long you hold the loan.
Testimonials
Verified Review
Brad provided excellent guidance throughout the entire loan process, making it much easier for me to achieve my financial goals. His expertise and support were invaluable, and I'd highly recommend him to anyone looking for a reliable finance broker.
Marlon
Verified Review
I applied for a car loan with the help of Emu Money a week ago, and the process was very fast and easy. There was no stress at all, as everything was taken care of by Krish, who managed my application from start to finish. He was very easy to communicate with and clearly explained the entire process and what was required from me. He was also quick to provide updates throughout. I would definitely recommend Emu Money to anyone looking for a smooth and hassle-free loan experience.. Thank you Krish.
Saritha A.
Verified Review
Excellent service, they always answered all my questions very quickly, thanks for everything Eujin and Andy 10/10
Matias S.
Verified Review
Brad has been absolutely amazing to work with to help with financing for our business! The process was very simple, well explained and Brad went out of his way to provide updates - highly recommended!
Karn P.
Verified Review
⭐⭐⭐⭐⭐ The process with Emu Money has been fantastic — completely stress-free and very professional. Their document requirements were clear and straightforward, with everything explained step by step. Once we submitted our paperwork, the response was quick, and the whole process was easy to follow. We’re very happy with the experience and highly recommend Emu Money for any commercial loan needs
Pratik P.
Verified Review
I found Erin through facebook and I would recommend her to everyone she's professional, Erin was very knowledgeable about different lander's and helped me secure a great rate for my car loan, Erin was always available to answer my questions and kept me updated throughout the entire process and she's honest and reliable I would give her more than 5 stars if I could I highly recommend Erin
Nasratullah
Frequently Asked Questions
Ute and Truck Finance FAQs
These helpful FAQs will help you find the answers you need. If you can't find what you're looking for, you can request a callback below.
