Ute & van finance
Ute and van finance, sorted in 90 seconds.
Finance for utes and work vans across a panel of 49 lenders. New or used, dealer or private sale, with no credit check to enquire.
- No credit check to enquire
- 49 lenders on the panel
- Typical approval 24–48 hours
Times are typical, not guaranteed.
What you need
Commonly financed
- Tray-backs and dual cabs
- Service bodies and work vans
- Canopies, trays and tool storage
- New or used, dealer or private sale
Good to know
- Fit-outs can often go in the loan
- Canopies, trays, racking and tool storage can usually be financed with the vehicle, where the lender allows it.
- Private sales are fine
- Buying from a private seller rather than a dealer works too, subject to a PPSR check and a written sale agreement.
- Low-doc options
- Deals are commonly assessed on BAS statements and business bank statements instead of full tax returns.
FAQs
Ute & van finance questions.
The questions I get asked most. Anything else, call or text me.
Reviewed by Rabi Alam · 14 September 2026
You need an active ABN to apply for business asset finance, but a newly registered ABN doesn't automatically rule you out.
How long your ABN has been registered changes which lenders will look at the deal and what they'll ask for. A newer ABN may mean a deposit, a clean credit file or evidence of experience in your trade. I check it against the ABR when you enquire, so we start from the real registration date.
Source: ABR business registration lookup
Not always. Low-doc asset finance is commonly assessed on BAS statements and business bank statements instead of full tax returns.
Larger loans, some asset types and some lenders will still ask for financials. I'll tell you on the first call exactly which documents your deal needs.
No, enquiring doesn't involve a credit check, so nothing is recorded on your credit file.
A credit enquiry only happens if you decide to apply with a specific lender, and I'll tell you before that happens.
Source: MoneySmart on credit scores
Enquiries start from any amount, but asset finance is usually best value from around $10,000 upwards.
Below that, a dedicated asset loan often isn't the cheapest way to buy, and I'll say so honestly if something else suits you better.
Conditional approval typically comes back in 24–48 hours once I have what the lender needs, and many deals settle within 3–7 days.
The biggest variables are how quickly documents come back, the supplier's paperwork and, for private sales, the PPSR check and inspection.
Yes, vehicles and equipment bought from a private seller can be financed, subject to a PPSR check and a written sale agreement.
Some lenders also want an inspection or proof the seller owns the asset outright. I'll handle the PPSR and walk you and the seller through the rest.
Source: PPSR register