Single-cab & extra-cab work utes
Ute Finance Perth
Ute Finance Perth
A ute is a workhorse, and for most Perth tradies and small businesses it's how the job gets done. PTR Finance Group arranges fast, competitive ute finance across Perth and WA for sole traders, tradies and growing businesses — so you can get the right ute on the road without tying up your cash.
New & Used | Work & Dual-Cab | Sole Traders & Business | No-Deposit Options | Same-Day Pre-Approval
Because we compare a panel of banks and specialist lenders rather than a single bank, we can match your ute loan to the way your business actually runs — ABN age, deposit, trade-in and all. That means a competitive rate whether you're financing your first work ute or adding a dual-cab to the fleet.
We finance new and used utes of every kind, including:
Dual-cab utes
4x4 & 4x2 utes
Cab-chassis & tray-back utes
Fit-outs, canopies, trays & accessories
Who can get approved?
We have options across the board, including:
Sole traders and ABN holders
New ABNs and newer businesses (low-doc options)
Established businesses and fleets
Used utes typically up to around 12–15 years old at end of term
Indicative repayment examples
To give you a feel for the numbers, here are three indicative examples. They assume an indicative rate of around 8.95% p.a. over the term with no fees shown, and are a guide only — your actual rate and repayments depend on the ute, your business and a credit assessment.
$30,000 ute5 years · no balloon≈ $620 / month
$45,000 dual-cab5 years · 30% balloon≈ $755 / month
$65,000 fitted-out 4x47 years · no balloon≈ $1,045 / month
Indicative only. Not an offer of finance or a quote. Subject to lender credit assessment, fees and charges. Request a personalised quote for exact figures.
Financing something bigger or a mixed fleet? See our commercial & personal vehicle finance and truck finance, or explore the full range through our asset finance division. Ready to go? Request a quote and one of our brokers will do the rest.
Frequently Asked Questions
Can I get ute finance in Perth as a sole trader or tradie?
Yes. Sole traders, tradies and small businesses make up a large share of our ute finance clients. We work with lenders who understand ABN holders and can structure repayments around your income, even with a newer ABN.
Can I finance a new or used ute?
Both. New utes often attract the sharpest rates and longest terms, while used utes are well suited to finance because they hold value. For a used ute the age and kilometres affect the term and rate, and we match you with the right lender.
Do I need a deposit for a ute loan?
Often not. Many established businesses access no-deposit ute finance secured against the vehicle. A deposit or trade-in can sharpen your rate, and we'll show you both options before you commit.
What's the difference between a chattel mortgage and a lease for a ute?
With a chattel mortgage you own the ute from day one and can claim depreciation and interest; with a lease the financier owns it and you claim the repayments. The best fit depends on your accounting and how long you'll keep it — we explain both and suggest you confirm with your accountant.
Can I use the instant asset write-off on a work ute?
A ute used for business may be eligible for the instant asset write-off, subcap limits apply to passenger vehicles. Thresholds and eligibility change, so confirm the current rules with your accountant or the ATO before you buy.
How fast can ute finance be approved?
For established businesses with a clean profile we can often arrange same-day pre-approval and settle within a couple of business days, so you can negotiate on price with finance ready to go.
