Key highlights
- Contractors can commonly finance a ute for business use
- Available whether you're a sole trader or company
- New and used utes may both be financed
- Overdrive compares 80+ lenders for your trade
- Soft-check quote for indicative figures, no credit impact
A ute is one of the most common work vehicles for contractors, and financing one is straightforward for many operators. Lenders regularly fund utes for trades, services and site work.
Can contractors get ute finance?
Contractors can commonly finance a ute for genuine business use, whether operating as a sole trader or company. Eligible applicants may apply with full financials or, where these are limited, through low-doc options subject to lender policy.
What affects your ute finance application?
A lender will usually weigh your ABN and GST history, income evidence, credit file, deposit and the ute itself. New and used utes can both be financed, though age and condition can influence terms and available lenders.
Why compare ute finance lenders?
Rates and policies for ute finance vary across the market. Overdrive compares 80+ lenders to find options that may suit your trade. For deductions or GST on a work ute, check with your accountant or registered tax adviser.
How do you get a ute finance quote?
Simon Kendrick can help you compare ute finance options in one place. Request a soft-check quote for indicative figures without affecting your credit score.
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