Overdrive Funding arranges competitive Ford business vehicle finance for Australian businesses. We compare 80+ banks and specialist lenders, negotiate the deal and manage everything from start to finish — new or used, from dealers, private sellers or auctions anywhere in Australia.
The Ranger trades places with the HiLux at the top of Australia's sales charts, and the Transit is a mainstay of trades and courier work. Ford's volume in light commercial means lenders treat it as a mainstream, well-understood asset.
Ford vehicles we finance
- Ranger — XL, XLS, XLT, Sport, Wildtrak, Raptor, cab chassis and dual cab
- Ranger PHEV and plug-in hybrid variants
- Transit and Transit Custom — van, crew van and cab chassis
- Everest and Ford F-150
- Rangers and Transits with trays, canopies and service bodies fitted
- New, used, ex-fleet, dealer, private-sale and auction purchases
We only finance vehicles located in Australia. See our business vehicle finance page for the full range, rates and how approvals work.
What Ford resale means for your rate
Ranger resale is strong and sits just behind the HiLux. The used market is deep and liquid, so lenders have solid data and price accordingly — a Ranger is about as straightforward an asset as commercial vehicle finance gets.
The Transit is a different story in a useful way. Large vans have a narrower but very committed buyer pool — couriers, trades and last-mile delivery all need them and alternatives are limited. That specificity supports resale even though volume is lower than the Ranger.
Who finances Ford vehicles
Fords are financed by tradies and construction businesses running Rangers, couriers and last-mile delivery operators running Transits, mining and resources contractors, agricultural operations and mobile service businesses.
Ford business vehicle finance rates
Established ABN (2+ years), new vehicle, full doc
Established ABN, used vehicle, low doc (no financials)
Newer ABN (under 12 months)
Prior credit issues or specialist lending
| Borrower profile | Indicative rate | Typical deposit |
|---|---|---|
| Established ABN (2+ years), new vehicle, full doc | From 6.1% | $0 – 10% |
| Established ABN, used vehicle, low doc (no financials) | 7% – 10% | 10% – 20% |
| Newer ABN (under 12 months) | 9% – 12% | 10% – 30% |
| Prior credit issues or specialist lending | 12% – 15% | 20% – 30% |
Low doc (no financials) business vehicle finance is available up to $300k for the right profiles — a lower cap than trucks and machinery, which run to $500k. Rates are indicative only and subject to lender assessment.
New or used Ford?
Ex-fleet Rangers and Transits come to market in volume with documented servicing, because the fleets running them cycle on a schedule rather than to destruction. That is often better value than a private used example of unknown history.
Get a quote
Looking for the best rate on Ford business vehicle finance? You're in the right place. Speak directly with Simon and our team for a free, no-obligation quote, or get a free quote online. Our service is completely free. We're paid by the lender only after a deal settles, so there's no cost to you—even if you choose not to proceed.