Quick answer
Ute finance is one of the most common NZ asset finance categories — funded across new and used Toyota Hilux, Ford Ranger, Mazda BT-50, Mitsubishi Triton, VW Amarok, Isuzu D-Max, Nissan Navara and others. Most business ute finance is structured as hire purchase or chattel mortgage so the business owns the ute at the end and claims depreciation. New utes from a recognised dealer often qualify for up to 100% finance with conditional approval in 1–2 business days. Indicative rates from ~7.6% p.a.
What we finance
- Toyota Hilux (single, extra, double cab)
- Ford Ranger (single, super, double cab)
- Mazda BT-50
- Mitsubishi Triton
- Volkswagen Amarok
- Isuzu D-Max, Nissan Navara, Ssangyong Musso
At a glance
| Typical structure | Hire purchase or chattel mortgage (most common); operating lease for fleets |
| Indicative rate | From ~7.6% p.a. (new, prime borrower) — subject to credit |
| Typical term | 36–60 months |
| Typical max finance | Up to 100% on new from a recognised dealer; 80–90% on used |
| Asset age | Used utes: typically up to 10 years at end of term |
Indicative only. Actual offers depend on lender credit assessment, the asset, deposit and your business profile. All applications subject to lender credit approval.
Lenders we typically match
Subject to each lender's credit assessment. Not all lenders quote on every enquiry.
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