Key highlights
- A bull bar may be included in your ute finance
- Best when fitted at or around the time of purchase
- Lenders want a permanent, work-related fixture
- Dealer-fitted on a new ute is simplest to finance
- Simon Kendrick can run a soft-check quote, no credit impact
A bull bar is a common addition for work utes heading off the beaten track or clocking up rural kilometres. If you are buying a ute for your business, you may be wondering whether the bull bar can be bundled into the same finance rather than paid for separately. In many cases it can, subject to lender criteria.
Can I finance a bull bar with my ute?
Many lenders allow work-related accessories such as a bull bar to be included in the financed amount, provided they are fitted at or around the time of purchase and form part of the total invoice. Bundling the cost into your ute finance means one repayment rather than a separate out-of-pocket expense, which can help with cash flow for eligible applicants.
What do lenders look at?
Lenders generally want the accessory to be a permanent, work-related fixture rather than a personal add-on. The bull bar is usually itemised on the dealer or supplier invoice so it can be verified. Whether it can be included, and how it affects your indicative repayments, depends on the lender, the vehicle, and your business profile.
New or aftermarket bull bar?
A bull bar fitted by the dealer as part of a new ute purchase is often the simplest to finance. An aftermarket bull bar added to a used ute may also be considered by some lenders when supported by a clear invoice. As a broker comparing more than 80 lenders, Simon Kendrick can help match your fit-out to a lender likely to accept it.
How do you check your options?
Want to know if your bull bar can be rolled into your ute finance? Simon Kendrick, Managing Director of Overdrive, can run a soft-check quote across 80+ lenders to give you an indicative idea without affecting your plans. Get in touch for a no-obligation conversation about your business ute.
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