Ute, Van & Light Truck Finance — Approved Fast for Employed and ABN Holders
Whether you’re buying a HiLux, Ranger, Transit or Sprinter — Journey Finance compares 80+ lenders to get you the right rate, structured correctly for your situation. Loans from $30,000. Fast approvals for employed buyers and ABN holders across Australia.
✓ 80+ lenders compared ✓ Employed & ABN holders welcome ✓ Loans from $30,000 ✓ Same-day conditional approval available
Ute and commercial vehicle finance built for how Australians actually work
Australia runs on utes and commercial vehicles. Whether you’re a tradie buying your first work vehicle, a sole trader upgrading to something newer, or a small business adding to the fleet — the finance structure matters as much as the rate.
At Journey Finance, we work with both employed buyers and ABN holders across every state. We know which lenders offer the best structures for chattel mortgage and standard secured loans on commercial vehicles. One enquiry and we handle the comparison for you.
We finance:
- Toyota HiLux, Ford Ranger, Mitsubishi Triton, Isuzu D-Max and all dual-cab utes
- Ford Transit, Mercedes-Benz Sprinter, Volkswagen Transporter and all commercial vans
- Light trucks up to 4.5 tonne GVM
- Work-ready 4x4s, cab-chassis and tray configurations
- New vehicles, used vehicles and private sales
Minimum loan: $30,000. Suitable for employed buyers and ABN holders with established trading history.
Buying personally or through your business? We structure it right either way.
Employed buyer — personal name
If you’re PAYG employed and buying a ute primarily for personal or commuting use, we finance this as a standard secured vehicle loan. You get a competitive rate, fixed repayments, and flexible terms from 2 to 7 years. Most approvals within 24 hours.
ABN holder or sole trader
If you’re buying through your business or using the vehicle primarily for work, a chattel mortgage is typically the right structure. You may be able to claim the GST upfront, depreciate the asset, and deduct the interest as a business expense. Our brokers will confirm the right structure — we don’t guess.
Company or trust purchase
Purchasing through a company or trust? We work with commercial lenders who understand business structures. Low doc options are available for established businesses with 1+ year ABN history.
Why Journey Finance instead of your bank or dealer finance?
When you walk into a dealership or call your bank, you get one option. We compare 80+ lenders simultaneously — including specialist commercial lenders your bank will never tell you about. We know which lenders prefer ABN holders, which have the lowest rates for vehicles over $60,000, and which can move fast when you need approval today.
How it works
- Tell us what you’re buying — vehicle details, purchase price, personal or business use
- We compare 80+ lenders and come back with your best options
- You choose — we submit and manage the approval
- Funds released to you or the seller — often same or next day
Ute and Commercial Vehicle Finance — Common Questions
What’s the minimum loan amount?
Our sweet spot is $30,000 and above. If you’re looking at a vehicle in that range or higher, we can typically find you a competitive option quickly.
Can I get approved if I’m self-employed or have an ABN?
Yes. We work with lenders who specialise in ABN holders and self-employed buyers. Depending on how long you’ve been trading, you may qualify for a standard loan, low doc loan, or chattel mortgage structure.
What documents do I need?
For employed buyers: two recent payslips and your licence. For ABN holders: ABN, last 2 years tax returns or BAS statements (low doc options available for established businesses). Your broker will confirm exactly what’s needed.
Can I finance a privately listed ute or commercial vehicle?
Yes. Private sale finance is something we handle regularly. We verify ownership, manage the fund transfer directly, and make the process as smooth as buying from a dealer.
How fast can you get approval?
Same-day conditional approval is available in many cases. Most applications turn around within 24 hours once we have your documents and vehicle details.
Do I need a deposit?
Not always. Some lenders offer no-deposit options depending on your credit profile and the vehicle. Your broker will advise.