Fortradieswhoneedtherigtoday,notnextweek.
Specialist ute finance — full-doc, low-doc, or fresh-ABN. We work the lenders who actually write tradie deals every day.
Three reasons tradies use a broker for the next rig.
We know which lenders write tradies
Most banks treat a ute loan like a car loan, then trip over the ABN, the cash deposit, or the fact you bought it through your business. Our specialist panel writes tradie deals every day.
Low-doc and full-doc, both work
Whether you've got 2 years of clean BAS or you're 6 months into a new ABN, we know which lenders write what. PAYG ute upgrades work the same as car loans.
Settlement that fits a tradie's week
We submit deals on Monday and most settle by Friday — quick enough to swap rigs without losing a job in between.
Loan basics.
Indicative shape of a ute loan for a typical tradie file. Full-doc PAYG and stronger ABN files sit at the lower end of the rate range.
- Loan term
- Up to 7 yrs
- Indicative rate
- From 6.29%
- Max amount
- $200k+
- Decision time
- Same day
Who we finance.
- Tradies upgrading the work rig — dual-cab, single-cab, 4WD or 2WD.
- Sole traders buying their first business ute through the ABN.
- Fleet operators adding a second or third vehicle to the rotation.
- Tradies refinancing an existing ute loan for a sharper rate.
We run files across the majors and the specialists.
Different lenders price different combinations of asset, term and credit profile — that's the whole point of running a panel.
- Westpac
- CommBank
- ANZ
- NAB
- BOQ
- Pepper Money
- Capital Finance
- GoGetta
- Money3
- Liberty
- Plenti
- Firstmac
Three steps from quote to keys.
- 01
Tell us the rig
Year, make, model, kms — and whether it's full-doc PAYG or low-doc ABN.
- 02
We pick the lender
Tradie files go to specialist lenders who actually write them. Different lenders handle different ABN ages and asset types.
- 03
Approval and settlement
Most files approved in 24–48 hours; settlement same week. Funds straight to the dealer or private seller.
6-month-old ABN, dealer wouldn't get the deal across. Londy had me approved on a low-doc Pepper deal in 48 hours. Drove the new rig off the lot the next Monday.
Sample testimonial — replace with a real Google review before launch.
Common questions before you sign.
Can I get a ute loan with an ABN less than 2 years old?
Yes. A 6-month-old ABN is workable on the right lender — Pepper Money, Liberty, FinanceOne and several other non-banks write low-doc ABN ute deals from 6 months.
Do I need to put a deposit down on a ute loan?
Often no. Most lenders write 100% finance on a ute (the ute is the security). A deposit or trade-in can sharpen the rate slightly but is not a hard requirement.
Can I claim the GST on a ute bought through my ABN?
If your business is GST-registered and the ute is used predominantly for business, generally yes — but talk to your accountant. We can structure the loan as a chattel mortgage if it suits the GST claim better.
Will the loan be in my name or my business name?
Either — depends on the lender and the structure. ABN sole traders typically borrow in the trading name. Companies and trusts can borrow in the entity name. We'll talk you through the trade-offs.
Can you finance a used ute?
Yes, the same as a new ute. Most lenders cap age at end-of-term around 12–15 years. Older or higher-km utes go to specialist lenders at slightly higher rates.
Get a real rate from a real broker — usually back the same day.
Drop your details and we'll be back to you, usually the same day. Or call and skip the form.