4WD finance for the long way round
Beach runner or touring rig, your broker can finance the vehicle and, with the right lender, the fit-out.
- Free to compare
- A specialist partner broker, start to finish
- No credit score impact
Typical ranges only. Actual limits depend on the lender and your circumstances.
Example rate only: not a comparison rate, quote or offer of credit. Your rate depends on your credit profile, the lender and the asset. Excludes fees and charges.
How 4WD finance works with us
Suspension, canopies, drawers, dual batteries and recovery gear can add tens of thousands to a touring build. Some lenders finance accessories fitted at purchase, keeping it all in one repayment.
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Your broker compares lenders on rate, treatment of modifications, and whether a balloon suits your plans.
- New and used 4WDs
- Dual-cab tourers
- Canopies and drawer systems
- Lift kits and suspension
- Bull bars and recovery gear
- Rooftop tents
Accessories included
Where allowed, include dealer-fitted or approved aftermarket accessories in the loan.
Balloon options
Keep repayments lower if you plan to upgrade after a few seasons.
Personal or business use
A business structure may be available for work use. Ask your accountant about tax.
Private or dealer
Finance a new dealer build or a set-up rig from a private seller.
Financing a 4WD touring build: what lenders will and won't cover
Lenders generally finance accessories fitted before settlement and listed on the invoice, sometimes with a cap. Loose gear bought later usually can't be added, and non-compliant modifications can affect insurance and security.
Read the full explanation
Lenders are generally comfortable financing accessories that are fitted before settlement and listed on the dealer or builder's invoice. Canopies, drawer systems, bull bars, winches and suspension upgrades often fall into this category, because they form part of the vehicle being valued. They're more cautious about anything that adds a lot to the price without adding much to resale value, such as custom fabrication or complex electrical work, so some lenders cap how much of the loan can go towards accessories.
Loose gear bought after settlement, like fridges, portable solar or recovery kits from a camping store, usually can't be added to a secured vehicle loan. If you're planning a staged build, decide what's essential at purchase and what can wait. Your broker can explain how lenders on their panel treat your build sheet. Also check that suspension lifts and GVM upgrades are certified and compliant, as non-compliant modifications can affect insurance and the lender's security.
- Families planning a lap or regular outback trips
- Buyers wanting vehicle and fit-out in one repayment
- Tradies who also tour on weekends
- Buyers of a set-up tourer from a private seller
Pros and watch-outs
Pros
- Vehicle and dealer-fitted accessories in one loan
- Secured rates usually apply to newer 4WDs
- Balloons suit buyers who upgrade every few years
- Private sale tourers financeable with the right lender
Watch-outs
- !Accessories often add less resale value than they cost
- !Gear bought after settlement usually needs separate finance
- !Non-compliant mods can cause insurance and security issues
Costs and fees to compare
The interest rate is only part of the cost. Ask your broker to show these side by side.
Accessory limits
Some lenders cap the accessory share of the loan; anything above may need savings.
Insurance for modifications
Declare every modification. Higher agreed values and specialist cover can lift premiums.
Balloon payment
Keeps repayments lower, but heavily modified 4WDs can be harder to sell or trade in later.
Engineering and compliance
GVM upgrades and lifts may need certification, often costed separately from the loan.
Establishment and monthly fees
Compare these alongside the repayment, as they add to total cost.
Tips to strengthen your application
- 1Get an itemised build sheet before applying
- 2Fit key accessories before settlement if you want them financed
- 3Keep compliance certificates for lifts and GVM upgrades
- 4Allow for higher fuel and insurance costs in your budget
What you’ll need
What you’ll need
- Driver's licence or passport
- Two recent payslips, or tax returns if self-employed
- Last 90 days of bank statements
- Current debts and regular expenses
- A build sheet or quote for included accessories
What lenders look for
- 18+, Australian citizen or permanent resident (some lenders consider visa holders)
- Regular, provable income
- A credit history your broker can explain, blemishes included
- Repayments that comfortably fit your budget
First chat to funds in four steps
How it works in detail →- 1Tell us what you’re after
- 2Meet your broker
- 3Compare and choose
- 4We handle the rest
4WD finance: common questions
Can I finance modifications?
Some lenders include accessories fitted at the time of purchase. Modifications added later are usually financed separately, for example with a personal loan.
Is a 4WD a personal or business loan?
It depends on how it will be used. If it is mainly for business and you have an ABN, a business structure such as a chattel mortgage may suit. Your broker will explain the options.
Do modifications affect approval?
Heavy modifications can affect valuation and insurance. Tell your broker what has been done so the right lender is chosen.
Can I buy a set-up tourer privately?
Yes. Private sales are common for touring rigs. We check the PPSR and pay the seller directly once the loan settles.
Can I finance a GVM upgrade?
If it's done by the dealer or an approved fitter before settlement and included on the invoice, some lenders will include it. Upgrades done later are usually funded separately. Your broker can confirm how individual lenders treat it.
Can I finance a 4WD and a caravan at the same time?
Yes, with the right lender. Some buyers finance both in one application and others take separate loans. Either way, lenders look at the combined repayments against your income, so your broker can help you work out which approach suits your budget.
Can I finance a dual-cab ute used for both work and touring?
Yes. If the ute is mainly for business and you have an ABN, a business structure may be available, otherwise a consumer car loan usually applies. Check any tax implications with your accountant.
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