Key highlights
- A canopy may be included in your ute finance
- Package secure storage into one amount financed
- Inclusion depends on how it's supplied and invoiced
- Tax and GST treatment varies; check with your accountant
- 80+ lenders compared to structure finance with a canopy
A canopy turns a ute tray into secure, weatherproof storage, and many business owners want to add one at the time of purchase. In many cases the canopy can be included in your vehicle finance rather than paid for separately.
Can I finance a canopy with my ute?
When you buy a ute, some lenders may allow work-related accessories such as a canopy to be included in the total amount financed. This lets you package the vehicle and its fit-out into a single arrangement, subject to lender criteria.
What do lenders consider?
Whether a canopy can be included often depends on how it is supplied and invoiced, the total amount financed and the lender's policies. Accessories fitted at the point of sale are generally easier to include than those added later.
How is a canopy treated for tax?
How a canopy and other fit-out costs are treated for tax and GST depends on your circumstances. For guidance, check with your accountant or registered tax adviser.
How do you package it in one quote?
Overdrive compares 80+ lenders and can help structure finance that includes your canopy where possible. Request a soft-check quote and Simon Kendrick can outline indicative options without affecting your credit score.
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