At Stratton Finance, we are your trusted partner when it comes to sourcing finance solutions for tradies, contractors, business owners, and everyday drivers across Australia. Whether you’re upgrading your work vehicle, purchasing a dual cab for personal use, or adding to your business fleet, our brokers are dedicated to finding the solution that best suits your needs.
We understand that utes are versatile vehicles that serve both personal and business purposes, and lenders assess them differently depending on their intended use. That’s why we connect you with a single, dedicated broker who understands the different structures and requirements.
With access to our panel of 40+ lenders, your broker is committed to securing flexible repayment terms and competitive rates that are suited to your needs.
Key Benefits
If you’re unsure about tax implications relating to Ute financing, it’s best to speak to a licensed tax adviser for guidance.
Why Choose Stratton for Ute Finance
Securing finance for your Ute shouldn’t mean settling for the first option you’re offered. At Stratton Finance, we compare the options from our panel of lenders – including those who specialise in commercial vehicle finance – to find the rates and terms that will suit your situation. We understand the different lending structures available for personal and business use, and our expert brokers know which lenders offer the most flexibility.
Whether your Ute is for business or personal use, your dedicated broker will explain how lenders assess the vehicle, what documentation is required, and how different finance structures may impact your repayments and tax position.
From application through to settlement (if approved), you’ll have a single point of contact guiding you every step of the way, no runaround no confusion, just straightforward guidance and competitive finance for you.
Am I Eligible?
Eligibility will vary based on your circumstances and lender requirements. The key advantage of working with Stratton for your Ute finance is that you’ll gain access to a diverse range of lenders with different criteria for personal and business use. Your broker will take the time to understand your situation and work to help secure competitive rates and repayment options suited to your individual needs.
Some examples of criteria that will be assessed are:
Best Car Loans 2021–2025 & Best Loans 2026 (ProductReview) and Best Large-Size Brokerage 2023–2024 & Best Car Loans 2025 (WeMoney).
With over ${stratton-yrs-in-business} years of experience helping more than ${total-customers-serviced} people access ${total-finance-serviced} in finance, we have the knowledge you need.
With a ${product-review-rating} out of 5 customer rating, we are focused on providing outstanding service to keep you informed at every step, ensuring the best outcome for you.
We can assist with finance for a variety of vehicles
Our reputation precedes us. See why our customers rate us so highly!
Our success is driven by a strong commitment to exceptional service and customer satisfaction
We have done the hard work building relationships with lenders so you get the best rates! Some of the lenders on our curated panel include:
From start to finish, we’re with you every step of the way, helping you get the keys in your hands!
We don’t treat you like just another number. Our brokers take the time to understand your specific needs to find the best car finance options from our panel of over ${total-lenders} lenders.
Once you are happy with an option that fits for you, your broker will take you through the application. Approvals can occur within 24 to 48 hours.
If approved, we guide you through the settlement process to finalise the paperwork and payment. Once everything is settled, you’re ready to pick up your new car and hit the road with confidence.
Stratton Finance supports you throughout the life of your loan, ensuring you always have the assistance you need.
Yes, finance is available for both new and used vehicles. When financing a used Ute, lenders consider factors like the vehicle’s age, condition, kilometres, and market value.
It’s important to remember that older vehicles may have shorter repayment terms. Your dedicated broker can help you navigate which lenders are the best fit for the specific Ute you are looking to purchase.
Yes, we work with lenders who support private-sale purchases of utes. The process may require verification of the vehicle’s condition, ownership history, and market value.
Loan repayment terms typically range from 1 to 7 years, subject to lender criteria. Newer vehicles generally qualify for longer terms, while older utes may have shorter maximum terms available.
Yes, accessories such as trays, toolboxes, canopies, tow bars, or other work-related upgrades can often be included in your total finance amount. This depends on lender criteria and your borrowing capacity, but bundling costs can help preserve available cash for your business or personal use.
Yes, Ute finance is available for ABN holders including sole traders, partnerships, and companies.
Business finance may offer structures such as chattel mortgage or lease options, which can provide tax benefits. Your dedicated broker will assess your business circumstances and match you with lenders experienced in commercial vehicle finance.
Rates can vary depending on whether the Ute is for personal or business use and on the finance structure chosen. Business structures like chattel mortgages may have different rates than consumer car finance.
