4×4 ute comparison guide

What’s the best 4x4 ute in Australia? Compare all makes and models here.

Tough, rugged and reliable, 4x4 utes are some of the most versatile vehicles around. Equally at home on a worksite, a campsite or in city traffic, these big haulers are hugely popular with Aussie drivers. In fact, the most popular new vehicle in Australia throughout 2016 was a ute, with the Toyota HiLux outselling even the top passenger cars.

However, there’s a huge range of 4x4 ute models on the market, so choosing the best one can be a difficult proposition. To make your decision easier, we’ve gathered reviews of the leading 4x4 utes here in the one spot.

Compare these 4x4 Ute reviews

Updated May 22nd, 2019
Name Product Payload ANCAP rating Price (from) Finder Score Read review
1,020 kg
5 stars
1,085 kg
5 stars
1,029 kg
5 stars
1,039 kg
5 stars
980 kg
5 stars
930 kg
5 stars
924 kg
5 stars
924 kg
5 stars
1,188 kg
5 stars

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Definition: What is a 4x4 ute?

A ute, which is Australian slang for utility, is a vehicle with the passenger cab area at the front and a cargo tray at the back. The “4x4” part of the equation refers to the fact that the vehicle features four-wheel drive. While there are also two-wheel drive (or 4x2) models available, 4x4 utes have more off-road capability.

What features come with a 4x4 ute?

The features of a 4x4 ute vary widely depending on the make, model and variant you select, but there are a few inclusions standard across the range. The first is four-wheel drive, which allows you to tackle tougher terrain than you could in an ordinary two-wheel drive vehicle. The next standard feature is the cargo tray, which you can use to lug around tools, toys or anything else you need to get from A to B.

Up front in the cabin is where some differences start to appear. 4x4 utes are available in three cab types:

  • Single cab. With two doors and seating for passengers, this is probably what springs to mind when you think of a tradie’s ute.
  • Dual cab. Dual cabs boast four doors and an extra row of seating, meaning there’s enough room inside for four or five people. This configuration is also known as a crew cab.
  • Extra cab. Sometimes called a king cab, space cab or super cab, this body style is basically halfway between a single-cab and dual-cab ute. It provides extra room behind the front seats which can be used for additional seating or storage space.

Pros and cons of 4x4 utes


  • Tough. Whether being used to haul heavy loads or tackle tough terrain, 4x4 utes have a reputation as rough and reliable workhorses.
  • Versatile. Though they were traditionally used only as work trucks, many modern 4x4 utes double as commuter vehicles and people movers for busy families.
  • Can take you where other vehicles can’t. Four-wheel drive means you can head off the beaten track.
  • Practical. With seating for up to five people and plenty of load-carrying capacity, 4x4 utes are some of the most practical vehicles on the road.


  • Not the most comfortable. Though the level of refinement and comfort in the cabins of 4x4 utes has come a long way in recent years, some models still feel much more like rugged work trucks and lack a few creature comforts.
  • Don’t have great performance. If you’re looking for exhilarating engine performance and dynamic on-road handling, look elsewhere.
  • Harder to manoeuvre. Hate navigating through busy city streets or tight carparks? Many models are quite large and much more difficult to manoeuvre than smaller cars.

How do you compare 4x4 utes?

When you’re weighing up the pros and cons of different 4x4 utes, make sure to consider the following factors:

  • Price. This is the first factor many of us look at, but remember that the engine, transmission, number of seats, included features and a wide range of other factors can vary from one model to the next. When looking at prices, make sure you’re comparing apples with apples.
  • Tray. How large is the tray area and how easy is it to access? What’s the maximum load that each 4x4 ute can safely carry?
  • Cab. Stepping inside, it’s time to look at the quality of the fit and finish and the design of the interior. Is the driving position comfortable? Is the dash intelligently designed and easy to use? Is it roomy enough and is there adequate storage? Does it have all the bells and whistles you’d expect from a modern car, such as sat nav and Bluetooth connectivity?
  • Ride and handling. How does the ute perform on the road? Is it a reliable handler and easy to manoeuvre, and can the driver and all passengers travel in comfort?
  • Durability. Next, take some time to consider how rugged and reliable each model is. What’s the build quality like? Will it stand up to whatever punishment you’ll throw at it? Is there sufficient ground clearance to go off-road?
  • Towing capacity. If you’re planning on lugging a boat, trailer or caravan with your 4x4 ute, check its maximum towing capacity. It’s also a good idea to look for vehicle reviews that test a vehicle’s real-world towing performance.
  • Safety. Check the ANCAP safety rating to see how each ute will perform in a crash. Also remember to check the features list to find out what active safety technologies are included, such as lane departure warning and blind spot monitoring.

On-road costs to expect

Due to the variety of different configurations and models available, 4x4 ute prices cover a pretty broad range. To give you a better idea of how much you can expect to pay, entry-level single-cab models typically start around the $25,000 mark. Meanwhile, for a top-of-the-range dual cab with all the trimmings, you’ll need to spend anywhere from $50,000 to $60,000.

Are 4x4 utes worth it?

It depends on the type of vehicle you want. If you’re looking for the ultimate in driving performance or luxury on-road touring with all the creature comforts, an offroad-capable ute probably won’t be the best fit. But if you want a tough, practical workhorse with the capability to handle a bit of punishment, a 4x4 ute is well worth the investment. Regardless of whether you’re looking for a reliable work vehicle or something to help you escape the city on the weekends – or maybe both – a 4x4 ute will fill the brief admirably.

Compare the best 4x4 utes on the market to find the make and model that ticks all the right boxes for you.

Compare 4x4 ute finance

Rates last updated May 22nd, 2019
Name Product Interest Rate (p.a.) Comparison Rate (p.a.) Min Loan Amount Loan Term Application Fee Monthly Service Fee Product Description Monthly Repayment
Latitude New and Used Car Loan
From 6.99% (fixed)
1 to 7 years
You'll receive a fixed rate between 6.99% p.a. and 14.99% p.a. based on your risk profile
Apply for a loan from $5,000 to finance a new or used car. Flexible repayments and options to finance a classic car.
IMB New Car Loan
5.89% (fixed)
1 to 7 years
You'll receive a fixed rate of 5.89% p.a.
A low minimum borrowing amount of $2,000 that you can use to purchase a new car or one up to two years old.
Loans.com.au - New Car Loan
5.44% (fixed)
3 to 5 years
You'll receive a fixed rate of 5.44% p.a.
Finance a new car and benefit from features such as fast approval, no ongoing fees and an optional balloon payment.
Stratton Finance New Car Loan
From 5.34% (fixed)
1 to 7 years
$459.20 (for private seller vehicles this fee is $608)
You'll receive a fixed or variable rate depending on the lender you are approved with
Apply for up to $150,000 and use cash or trade in a vehicle to use as a deposit. Optional balloon payment available.
RACV New Car Loans
From 5.99% (fixed)
1 to 7 years
You'll receive a fixed rate of 5.99% p.a.
A larger loan of $15,000 or more to help you buy a new or used car. 5-hour pre approval available and no ongoing fees. Note: Product only available to residents of Victoria.
Hunter United Cracking Car Loan
From 5.49% (variable)
1 to 7 years
You'll receive a variable rate of 5.49% p.a. with a comparison rate of 6.41% p.a.
Borrow from $10000 to $100000 for a new or used car with flexible payment options.
Westpac Car Loan
From 8.49% (fixed)
1 to 7 years
You'll receive a fixed rate of 8.49% p.a.
Finance a new or used car and benefit from convenient features for car buyers including a car search tool and the option to borrow extra for on-road costs.
Beyond Bank Low Rate Car Loan
From 5.69% (fixed)
1 to 7 years
You'll receive a fixed rate of 5.69% p.a.
Take advantage of a competitive rate, pre-approval and no early repayment fees when you finance a car under two years old.
St.George Secured Personal Loan - Fixed Rate
From 8.49% (fixed)
1 to 5 years
You'll receive a fixed rate from 8.49% p.a. based on the value of your car
Get a competitive rate and apply for a larger loan up to $80,000 when you attach a new or used car as security to the loan.
Australian Military Bank Car Loan
From 5.71% (fixed)
1 to 7 years
from $100 to $500
You'll receive a fixed rate between 5.71% p.a. and 8.66% p.a. based on your personal credit history
A flexible loan to help you finance a car, motorbike or boat up to five years old.
IMB Secured Personal Loan
6.89% (fixed)
1 to 5 years
You'll receive a fixed rate of 6.89% p.a.
Benefit from this competitive rate by securing the loan with a vehicle up to 6 years old. Use this flexible loan for any purpose.
MyState Bank Secured Personal Loan
From 7.99% (variable)
1 to 10 years
You'll receive a variable rate of 7.99% p.a.
Apply for up to $75,000 and benefit from features such as fast approval, free online redraws and no penalties for early repayment.
CUA Secured Fixed Car Loan
6.79% (fixed)
1 to 7 years
$265 ($175 Establishment Fee + $90 Security Administration Fee)
You'll receive a fixed rate of 6.79% p.a.
A secured loan with a high maximum borrowing amount up to $100,000. Redraw facility and no monthly fees.

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