Overdrive Funding arranges competitive RAM 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.
RAM occupies a specific niche in Australia — businesses that need to tow serious weight and have run out of capacity in a conventional ute. The 2500 and 3500 pull loads a HiLux simply cannot, and for the buyers who need that, there are few alternatives.
RAM vehicles we finance
- RAM 1500 — Express, Laramie, Limited and TRX
- RAM 2500 — Laramie and heavy tow variants
- RAM 3500 — Laramie and dual rear wheel variants
- Cab chassis and tray-back conversions
- Vehicles with trays, canopies and fifth-wheel setups
- New, used, 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 RAM resale means for your rate
RAM resale is solid within its niche. Because the vehicles are remanufactured to right-hand drive in Australia, volume is limited and supply constrained — which supports values. The buyer pool is smaller than a mainstream ute but it is motivated, because the alternatives are few.
The remanufacturing point is worth understanding. RAMs sold here are converted to right-hand drive locally, and lenders occasionally have questions about compliance and conversion quality on private or grey imports. Buying through the official channel avoids that entirely; buying used privately, expect more scrutiny.
Who finances RAM vehicles
RAMs are financed by businesses towing heavy plant and machinery floats, horse and livestock transport, caravan and marine dealers, civil contractors, and businesses that have outgrown a conventional ute's tow rating.
RAM 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 RAM?
Used RAMs hold up reasonably given supply constraints. The thing to verify is the conversion — that it was done through a recognised remanufacturer and complies properly. A lender may ask, and a poor conversion is both a safety and a resale problem.
Get a quote
Looking for the best rate on RAM 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.