Ute Finance up to $50,000

  • All Vehicle Types OK
  • Fast Pre-Approvals
  • Centrelink Considered1
  • Bad Credit Considered1
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What People Are Saying About Money3 Loans

Ute Loans with Money3

If you are considering getting a new or even a used ute, then Money3 could help. We like to give everyone a fair go - regardless of your credit history1. If you have a bad mark on your credit file or even no credit history, we may be able to help. Customers receiving Centrelink benefits are also welcome to apply for a ute loan with us. See below our basic criteria for our secured ute loans.

  • Be Over 18 Years Old
  • Have Take Home Income or Benefits over $425 a Week1
  • Be an Australian Resident
  • Get Your Income Paid into Your Account
  • Be Employed or Receiving Centrelink payments1
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Ute Loans up to $50,000

Getting Your Ute - How it Works

You are welcome to apply with us before or after you have found your next ute. The advantage of applying with us before you start researching vehicles is that when you apply online, we can then give you your loan quote1. With your loan quote, you'll be able to research vehicles you are interested inwith the confidence of knowing how much you'll be able to afford.

Money3 can finance vehicles from dealerships, showrooms, private sellers or wherever - new or used vehicles are also considered. So, as soon as you have a vehicle that you're interested in buying, let us know and we'll be able to review your application. If your financial situation hasn't changed1, we should be able to proceed very quickly. Get started with your pre-approval quote now and you could be driving away in your new ute sooner than you think!

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Ute Loans up to $50,000

Example Ute Loans Costs Chart

19.95% APR
25.00% APR
28.00% APR
Borrow Costs Repay
$5,000 $2,211 $7,211
24 Months at 19.95% APR & 35.97% Comparison Rate
$7,500 $3,316 $10,816
24 Months at 19.95% APR & 39.00% Comparison Rate
$10,000 $6,803 $16,803
36 Months at 19.95% APR & 38.18% Comparison Rate
$12,500 $8,252 $20,752
36 Months at 19.95% APR & 37.19% Comparison Rate
$15,000 $9,701 $24,701
36 Months at 19.95% APR & 36.53% Comparison Rate
Borrow Costs Repay
$5,000 $2,557 $7,557
24 Months at 25.00% APR & 44.43% Comparison Rate
$7,500 $3,835 $11,335
24 Months at 25.00% APR & 44.43% Comparison Rate
$10,000 $7,903 $17,903
36 Months at 25.00% APR & 43.47% Comparison Rate
$12,500 $9,627 $22,127
36 Months at 25.00% APR && 42.51% Comparison Rate
$15,000 $11,351 $26,351
36 Months at 25.00% APR & 41.87% Comparison Rate
Borrow Costs Repay
$5,000 $2,767 $7,767
24 Months at 28.00% APR & 47.66% Comparison Rate
$7,500 $4,150 $11,650
24 Months at 28.00% APR & 47.66% Comparison Rate
$10,000 $8,577 $18,577
36 Months at 28.00% APR & 46.62% Comparison Rate
$12,500 $10,469 $22,969
36 Months at 28.00% APR & 45.68% Comparison Rate
$15,000 $12,361 $27,361
36 Months at 28.00% APR & 45.05% Comparison Rate

Common Customer Questions

How do you finance a ute?

If you meet our eligibility criteria and pass our assessment process, we may provide you with a pre-approval loan quote up to $50,000 that you can take to a dealership, showroom, private seller etc.

Once approved, we pay for the vehicle on your behalf. You can then make weekly, fortnightly, or monthly repayments, the total of which will depend on the amount you borrow, the interest rate, and associated fees.

Do you offer Isuzu ute finance?

Yes, you could access Isuzu ute finance deals via Money3 to get behind the wheel of a high-performing and reliable Isuzu ute. We have no limit on the make or model of ute that you purchase with one of our loans, so you can have total freedom to select the vehicle you want without compromise.

Is ute finance the same as getting a chattel mortgage?

They are functionally the same. A chattel mortgage is an older term for a secured loan where the vehicle or equipment you are purchasing acts as security for the loan and is designed for work purposes.

If you need help financing equipment for work then see our Equipment Loans page, which features an equipment finance calculator that you can use to calculate the total interest + principal you could expect to pay over the life of the loan.

What information do I need to provide to get ute finance in Australia?

Before we can process your finance enquiry, we will need some basic information from you including your employment and contact details (valid email, phone number, full name), your home address, your income and a list of your regular expenses (such as monthly utility bills and rent). You can also supply your driver’s license to speed up your application. Due to our obligations as a responsible lender, we will also need you to send us 90 days of bank statements, which can easily be provided online in a couple of minutes via our partner illion.

Can I pay back my loan early?

Yes, you can! At Money3 we don’t charge any early repayment fees, so if you would like to pay off the rest of your loan in full there’s no penalty for doing so.

What if I encounter difficulty making my repayments?

At Money3, our belief in giving everyone a fair go extends even after your loan is approved. We know that unexpected events may arise at an inconvenient time and may make it difficult for you to make your repayments.

If you know that you will have difficulty with your repayments, get in touch with our team on 1300 014 870, email us at, or fill out the Member Support contact form.

Also see:

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