Ute and Work Vehicle Finance for Tradies

A ute is the first thing most tradies buy and the last thing they stop paying for. It's the office, the storeroom and the billboard, which is why the finance deserves as much thought as the ute itself. Vehicle finance is a specialist job, and it's handled by Loan Finder Store rather than through our own form.

These pages explain what to know before you apply: how lenders treat an ABN buyer, what changes with a work ute versus a private one, how a dual cab differs from a van or light truck as security, what novated and lease structures actually mean for a sole trader and what to do if your credit file isn't clean. There's also a plain guide to the running costs that catch people out after they've signed.

When you're ready, use the Get vehicle finance via Loan Finder Store button on any page in this hub. For everything that isn't a vehicle, such as tools, equipment, cash flow and tax debt, the Tradie Cash enquiry form is the right door.