Overdrive Funding arranges competitive Toyota 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.
Toyota is the most financed vehicle brand in Australia, and the HiLux has topped the national sales charts for years. That dominance has a direct effect on your finance — lenders see Toyotas constantly, know precisely what they are worth, and have deeper resale data on them than any other brand.
Toyota vehicles we finance
- HiLux — Workmate, SR, SR5, Rogue and GR Sport, cab chassis and dual cab
- LandCruiser 70 Series — 79 Series cab chassis and Troop Carrier
- LandCruiser 300 Series and Prado
- HiAce — van, crew van and commuter
- Hilux and LandCruiser 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 Toyota resale means for your rate
Toyota resale is the strongest in Australia, full stop. A HiLux or 79 Series holds value in a way that genuinely changes the finance equation — the lender's security is exceptional, so you tend to get more lender options and sharper pricing than an equivalent vehicle from a lesser brand.
The 70 Series LandCruiser is the extreme case. Demand consistently outstrips supply, and used examples have at times sold near or above new pricing. For finance purposes that is close to ideal security, and it is why 79 Series applications rarely struggle on the asset side.
Who finances Toyota vehicles
Toyotas are financed by tradies, mining and resources contractors, agricultural operations, councils, couriers running HiAce vans, construction and civil businesses, and essentially any business needing a work ute that holds value.
Toyota 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 Toyota?
Because Toyota holds value so well, the used discount is smaller than other brands — a three-year-old HiLux is not cheap. That cuts both ways: you pay more used, but you lose less when you sell. Ex-fleet and ex-mining HiLux stock is common and usually well maintained.
Get a quote
Looking for the best rate on Toyota 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.