Key highlights
- One loan can cover the ute and service body
- Available to eligible ABN holders, subject to lender criteria
- Cleanest path is a single supplier invoice
- Talk to Overdrive before signing to structure it
- 80+ lenders compared — soft check to quote
For plumbers, electricians, mechanics and mobile service businesses, a service body is what makes the ute useful. The good news is you usually don't need separate finance for the vehicle and the body. Eligible ABN holders can often fund both together.
Can one loan cover the whole build?
When the service body is fitted and invoiced with the ute, lenders typically treat it as a single financed asset. That means one contract, one repayment, and no juggling a personal loan for the body on top of the vehicle finance. It also keeps the full work-ready value under the one facility.
What affects approval?
Lenders weigh the combined amount financed, the vehicle's age at end of term, your trading history and ABN, and whether the service body adds durable value to the asset. With a panel of 80+ lenders, Simon Kendrick can find one comfortable with your specific build and business profile, subject to lender criteria.
How should you structure it before buying?
The cleanest approach is a single supplier invoice covering the ute and the completed service body. Talk to Overdrive before signing so the deal is set up to suit the lender we approach. For any tax or depreciation questions on the fit-out, check with your accountant or registered tax adviser.
Want your ute and service body under one repayment? Request an obligation-free Overdrive quote and Simon will compare the panel for you. It's a soft check that won't affect your credit score.
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