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Ute Finance

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Ute Finance: The Best Way To Get A New Vehicle

Need a new ute? Keen to take advantage of Fieldays deals?

Now’s a great time to buy a ute, with many dealers offering specials, but you may not have the cash on hand to take advantage of them.

There are several ways around this.

One is to finance it with the dealer, but their rates could be expensive, and many require a deposit upfront. Plus, you lose a potential negotiating tool when using their finance – you could get a better deal by walking into the dealer with cash.

Another option is to borrow from a bank, but their processes can be slower when compared with online lenders, meaning you could lose your opportunity to secure the best deal.

New vehicle loans done right

Loansmart offers fast, low-cost ute finance options with our fully online process and highly competitive rates.

  • Interest rates from 9.95%*
  • No deposit required
  • Flexible payment terms from 6-84 months
  • Unsecured or secured loan options
  • Approval within 1-2 hours*

*Subject to responsible lending criteria

Our savvy team of loan advisors work fast to give you great lending options, so you can go to the dealer and secure the best deal on your new ute.

Loansmart focuses on your needs and provides easy solutions, without making you jump through hoops.

Unsecured ute finance

Found a great deal on a new ute, and need cash now? An unsecured loan is the simplest and fastest way to secure your cash.

Borrow up to $75,000 unsecured*
Easy online process – no paperwork!
Payment terms from 6 months to 7 years

With vehicle finance from Loansmart, we give you the cash so you can go out and get the best deal on your new car. When you pay with cash, you have more power to negotiate with the seller, whether you’re buying from a dealer or privately.

You also have complete freedom to decide what vehicle you get – there are no conditions attached to our unsecured loans!

*Subject to responsible lending criteria

Secured ute finance

A secured vehicle loan is another option if you don’t quite meet the criteria for an unsecured loan, or you want to borrow more than $75,000. 

By using your new ute as security against the loan, we may also be able to get you a better interest rate*.

The secured loan process takes a bit longer than with an unsecured loan. This is because we need to go through a few more checks to make sure the vehicle is suitable to be used as security.

Not sure whether you need a secured or unsecured vehicle loan? Our friendly loan advisors will assess your application and talk through your options to ensure you’re making the best decision for you.

*Subject to responsible lending criteria.

The Loansmart advantage

As an online loan broker, Loansmart gives you access to multiple low-cost lenders, all from just one application.

Making multiple loan applications in a short period of time can harm your credit score, so applying through Loansmart is a great way to avoid this.

We take your application to our lending partners and come back to you with options, and you pick the best deal for you.

It’s so easy!

There’s no paperwork involved or appointments to attend – it’s all done online, and we do the legwork.

All you have to do is apply and then sit back while we get you a great finance deal. Apply now!