Key highlights
- Canopy or service body can often be financed with the ute
- Best quoted and financed alongside the vehicle
- A coordinated invoice covers ute and build together
- Spreads a significant cost over the loan term
- Obligation-free quote covering ute and canopy
For many trades a canopy or service body turns a plain ute into a secure, organised mobile workshop. Because these add real cost, buyers often ask whether they can be financed too. In many cases they can. Here is how it works.
Can you finance a canopy or service body?
When the canopy or service body is part of the purchase, it can often be financed with the ute rather than funded separately. This applies to lockable canopies, aluminium service bodies, tray builds and the shelving and storage that go with them. The whole setup is then covered by a single finance arrangement.
When should you finance the canopy?
Lenders generally prefer the body to be quoted and financed alongside the vehicle. A coordinated invoice covering the ute and the build makes the application cleaner. Fitting a service body after settlement can be more difficult to roll into the same loan, so it helps to plan the full spec before you finance.
What to weigh before financing a canopy?
Adding a canopy or service body increases the amount financed and therefore the repayments, but it spreads a significant cost over the term. Lender appetite for the type and value of the build can vary, subject to their criteria. Your accountant can advise on any tax treatment.
Simon and the team can structure finance covering your ute and its canopy or service body, with an obligation-free quote. The initial check is a soft enquiry with no impact on your credit score. Contact Overdrive to price the complete build.
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