Best utes to buy with your $150k business tax write-off - Finder

Best utes to buy with your $150k business tax write-off

How to best spend your $150k tax write-off on a ute

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With the announcement of the $150,000 tax write-off, you might be wondering which ute (or utes) would best suit your business. Here are some of the best utes according to motoring journalists, current owners and our team.

Which utes qualify?

According to the Australian Tax Office, there are some conditions attached to the $150k asset write-off, when it comes to commercial vehicles.

The $150k asset write-off small print

In addition, if you purchase a car (a passenger vehicle, except a motor cycle or similar vehicle, designed to carry a load less than one tonne and fewer than nine passengers) for your business, the instant asset write-off is limited to the business portion of the car limit of $57,581 for the 2019–20 income tax year. For example, if you use your vehicle for 75% business use, the total you can claim under the instant asset write-off is 75% of $57,581, which equals $43,186.

To qualify for the full amount to be written off, the vehicle must:

  • Be able to carry over one tonne
  • Or, have a higher than nine-passengers capacity

You should absolutely talk with your accountant before making a purchase.

Best value ute

If you want to spend as a little as possible, then brands like Great Wall, Mitsubishi, Isuzu, LDV and Ssangyong will appeal.

Great Wall Steed

Picture not described

Great Wall Motors is a Chinese automotive manufacturer, who professes to be one of the country's most successful carmakers. The company was formed in 1984 and built its first independent vehicle in 1995. The Great Wall Steed, known as the Wingle in some global markets, is the lowest priced ute on the Australian car market today. Great Wall states the Steed is powered by a 2.0-litre turbo diesel, mated to a 6-speed manual and has four-wheel drive that runs through a BorgWarner transfer box.

Reviews for the low-cost, high-value ute aren't overwhelmingly positive. But nonetheless, car experts were more than surprised by its ride comfort, decent payload capacity, five-year warranty and the insanely low price.

Find a Deal

on Georgie's website

Mitsubishi Triton

Mitsubishi Triton

If you prefer a more widely known brand, Mitsubishi is currently offering their 4x2 Triton ute from $24,990. The Triton is held as an example of a great ute around town, a good value vehicle, a stylish pick-up and as a model with excellent safety assists. Also, you get a 7-year/150,000km warranty with a Triton, in addition to 3 years of capped service pricing.

Check out our Mitsubishi Triton finance guide as well as our Triton comparison review.

Find a Deal

on Georgie's website

Isuzu D-Max

Isuzu D-Max with tray

Isuzu's D-Max comes in from as little as $26,990. Car reviewers reckon it presents a good deal, with a grunty diesel engine, big payload and a long, six-year/150,000km warranty. Isuzu says that it's the lowest-priced diesel-powered ute on the market, with the largest capacity in its class.

Plus, included in the price, on top of the six-year warranty, you also get six-years of capped price servicing and seven years roadside assistance.

Find a Deal

on Georgie's website

Ssangyong Musso/Musso XLV

Ssangyong Musso ute

One of the cheapest 4x4 utes on the Aussie market is the Ssangyong Musso and the extended load bed XLV model. The Musso's drive-away cost starts from $30,490. Its name is the Korean word for rhinoceros. The Musso was received fairly positively by car testers. One tester described the interior as comfortable and luxurious, with a heap of active safety gadgets, a smooth and grunty donk and a long (seven-year) warranty. Overall, it seems to present reasonable value.

If that weren't enough, it has the longest in-class tray:

The new Musso XLV takes it up a notch, laying claim to the title of 'Capacity King' with a class-leading 19% longer tray delivering a massive 26% more load capacity.

On one site where verified owners are able to post reviews, a number of motorists said they felt it was a very luxurious ute, calling it the Rolls Royce of the ute world and a severely underrated vehicle.

Find a Deal

on Georgie's website

Ute entry prices by model compared

Base modelEligible for the full $150k asset write-off?Click entry drive-away price for repayments or find a deal
Ford Ranger 4x2Up to $57,581, unless it can carry over a 1,000kg payload$28,990*

Find a Deal
on Georgie's website
Ford Ranger 4x4Wildtrak X, Wildtrak X 3.2, FX4 2.0, FX4 3.2, XLT 2.0 and 3.2 appear to qualify$46,706

Find a Deal
on Georgie's website
Great Wall Steed 4x2All Great Walls appear to be able to at least carry 1,000kg$19,990**

Find a Deal
on Georgie's website
Great Wall Steed 4x4All Great Walls appear to be able to at least carry 1,000kg$21,990**

Find a Deal
on Georgie's website
Holden Colorado 4x2Holden states "All models except LTZ+ and Z71" have a one tonne payload$31,690***

Find a Deal
on Georgie's website
Holden Colorado 4x4Holden states "All models except LTZ+ and Z71" have a one tonne payload$39,690***

Find a Deal
on Georgie's website
Isuzu D-Max 4x2Yes, all D-Max models appear to have at least a 1,000kg payload$21,990*

Find a Deal
on Georgie's website
Isuzu D-Max 4x4Yes, all D-Max models appear to have at least a 1,000kg payload$21,990*

Find a Deal
on Georgie's website
Mazda BT-50 4x2All of the Mazda range appears to have a 1,000kg+ payload$30,840

Find a Deal
on Georgie's website
Mazda BT-50 4x4All of the Mazda range appears to have a 1,000kg+ payload$37,290

Find a Deal
on Georgie's website
Mercedes-Benz X-Class 4x2Up to $57,581, unless it can carry over a 1,000kg payload$51,555.85

Find a Deal
on Georgie's website
Mercedes-Benz X-Class 4x4The 250d Power, 250d Progressive, 350d Edition 1, 350d Power and 350d Progressive (as 4MATICS) should qualify$56,652.85

Find a Deal
on Georgie's website
Mitsubishi Triton 4x2Up to $57,581, unless it can carry over a 1,000kg payload$24,990

Find a Deal
on Georgie's website
Mitsubishi Triton 4x4Up to $57,581, unless it can carry over a 1,000kg payload$23,240

Find a Deal
on Georgie's website
Nissan Navara 4x2Up to $57,581, unless it can carry over a 1,000kg payload$28,690**

Find a Deal
on Georgie's website
Nissan Navara 4x4Up to $57,581, unless it can carry over a 1,000kg payload$40,457

Find a Deal
on Georgie's website
Toyota HiLux 4x2Up to $57,581, unless it can carry over a 1,000kg payload$28,319

Find a Deal
on Georgie's website
Toyota HiLux 4x4Up to $57,581, unless it can carry over a 1,000kg payload$44,657

Find a Deal
on Georgie's website
Volkswagen Amarok 4x2Up to $57,581, unless it can carry over a 1,000kg payload$38,490

Find a Deal
on Georgie's website
Volkswagen Amarok 4x4Up to $57,581, unless it can carry over a 1,000kg payload$42,990

Find a Deal
on Georgie's website
LDV T60 4x4Yes$27,490

Find a Deal
on Georgie's website
Mercedes G-Wagen CC 4x4Professional models$277,766

Find a Deal
on Georgie's website
RAM 1500 Express 4x4Up to $57,581, unless it can carry over a 1,000kg payload$89,950

Find a Deal
on Georgie's website
RAM 1500 Laramie 4x4Up to $57,581, unless it can carry over a 1,000kg payload$109,950

Find a Deal
on Georgie's website
RAM 2500Up to $57,581, unless it can carry over a 1,000kg payload$139,950

Find a Deal
on Georgie's website
RAM 3500 Laramie 4x4Up to $57,581, unless it can carry over a 1,000kg payload$144,350

Find a Deal
on Georgie's website
Ssangyong MussoYes$30,490

Find a Deal
on Georgie's website
Ssangyong Musso XLV 4x4Yes$32,990*

Find a Deal
on Georgie's website
Toyota LandCruiser PU/CC 70 SeriesMost models, apart from the GXL five-seater, Workmate 4x4 and GXL variants.$76,659

Find a Deal
on Georgie's website

*ABN holder, limited-time offer**Free tray

*** You could probably get a deal on one of these due to Holden stopping production

Toughest off-road work ute

Toyota Land Cruiser 70

If you need to take your ute into a mine, into some extreme off-road terrain or just generally want a super tough ute, then the Land Cruiser 70 Series is probably the ute to go for.

It has a massive 4.5-litre turbo diesel, producing 151kW at 3,400rpm, while it makes a very healthy 430Nm of torque with a decently low rev range of 1,200-3,200rpm. Ground clearance sits around the 230-235mm mark. Basically, it's packing some real punch as it comes from the factory and with traction control and a selection terrain response system, it'll go wherever you point it. The LandCruiser 70 will easily tow 3,500kg.

Plus, buying a Toyota, you get access to their 203 nation-wide dealership network. The LandCruiser 70's drive-away cost starts from $70,812.

Find a Deal

on Georgie's website

Ute with largest towing capacity

Picture not described

If you regularly tow large loads for your business, then few utes can touch the mind-boggling towing capacity of the Ram 1500 and 2500. The 1500 will happily tow up to 4.5 tonnes, while the 2500 can shift 6,942kg – nearly 7 tonnes! The 2500 has a jumbo 6.7-litre, 6-cylinder turbo diesel. The smaller 1500 will currently cost you from $79,950 on a special offer. The larger US-sourced 2500 truck starts from around $139,950.

HSV also sells another locally re-engineered US-import ute in the Chevrolet Silverado 1500 and 2500. The 1500, with a 70mm tow ball, can haul up to 4,500kg. The beastly 2500 has a 6.6-litre turbo diesel V8, generates 332kW and a bonkers 1,234Nm. Consequently, it'll tow a 5.89 tonne trailer without sweating.

HSV Silverado 3500 LTZ

The Silverado 1500 costs from $113,990 plus ORCs. Interestingly, there are a few Silverado 3500s for sale that can tow up to 9,000kg with the proper tow hitch.

Find a Deal

on Georgie's website

Performance utes

If you're looking for a high-performance ute that will serve as both a work truck and a weekend getaway vehicle, there are a few to choose from.

Note, when you're using it for both business and leisure, you'll only be able to claim against the percentage of business use. Plus these utes don't necessarily qualify as commercial vehicles due to a sub-1,000kg payload!

One of the best known is the Ford Ranger Raptor. Ford engineers basically tortured the ute in gruelling environments to develop this thing to be tough as nails. Just looking through its Terrain Management System gives you an idea of its intentions. For example, it has a Baja Mode – a setting that dials in the ute for high-speed desert drives. It's damped by suspension from the world-renowned motorsport company, Fox Racing, and it is in a select club of factory utes that come with large 33-inch all-terrain tyres by BFGoodrich. According to this Ford video, the engine testing included pinning the throttle for 18 days solid.

The Ranger Raptor is more of a rallycross-inspired speed machine, while other ute builders have geared their most extreme 4x4s to slower, more hard-core off-roading. The Range Raptor starts from $76,290 (manufacturer's recommended list price).

Toyota builds the Rugged X, a top of the line HiLux, which gets underbody bash plates, rock rails, 17-inch Rugged alloys, an LED light bar, tow hooks and off-road bumpers. Toyota prices the Rugged X's drive-away cost from $68,031.

Picture not described

Volkswagen sells the Amarok V6 Ultimate 580, which has a 3.0-litre turbo-diesel V6 under the bonnet. It has 190kW around 3,250rpm and a peak of 580Nm kicks in from 1,400rpm. It also has an 8-speed automatic transmission, 20-inch alloys, an underbody design element, sat-nav, a protective load bed coating and 14-way adjustable front passenger seats with heating elements.

Find a Deal

on Georgie's website

Nearest to $150k ute

HSV Silverado 3500

Want to write off up to $150,000 with just one purchase? You'd probably want to look to the Chevrolet Silverado 3500HD LTZ. There are a few for sale online, which are listed as "Enquire for price", but in 2018, HSV said it had a recommended retail pricing of $147,990.

It's essentially the largest ute you can buy, described by some journalists as a full-size truck. It's remanufactured by HSV in Clayton, Victoria. The specs are off the charts:

  • Power: 332kW
  • Torque: 1,234Nm
  • Transmission: Six-speed automatic from Allison
  • Four disc brakes
  • Heavy-duty locking rear diff
  • Payload capacity: 2.2-tonnes
  • Towing: 9 tonnes
  • Luxury features like 10-way power-adjustable seats, dual-zone climate control, heated steering wheel, 8-inch touch screen, BOSE audio system and Apple CarPlay plus Android Auto
  • Safety assists like StabiliTrak, proactive roll avoidance, traction control with trailer sway control and hill start assist. Also, the Silverado has front and rear parking assist, a rear-view camera, forward collision alert, lane departure warning and other features
Find a Deal

on Georgie's website

Which ute is best?

The answer to that question depends on how you plan to use it. If you have a farm and want something that can haul as many bales of hay or as much livestock as possible, then look at a single cab with a tray – some can carry up to 1,300kg of stuff.

If you're a tradie and want to customise the back of your ute to carry materials and your tools, then a basic single cab or king cab might be the best to opt for.

According to our comparison of dozens of ute reviews, the Ford Ranger is the most highly rated ute, followed by the Volkswagen Amarok and the Mitsubishi Triton.

Getting the most for your money

If you want to save your money, here's how you do it.

Buy the lowest spec ute you can live with. There can be a difference of over $15,000 or more between the entry model and the top of line ute from the same range.

Go for a RWD. 4x2 models will save you thousands of dollars. You may not really need four-wheel drive if you never venture off of paved roads. Plus, a RWD should be more fuel-efficient due to the weight saving and fewer moving parts.

Do you need a high-rider? Hi-riding models, with more ground clearance, may look tough and let you travel comfortably off-road, but lo-riders are cheaper and work perfectly well on roads.

Do you really need a diesel? Most of the low price utes come fitted with petrol engines and five-speed manual gearboxes, opting for one of those, you'll save thousands.

Skip the options. Choose a free paint colour (usually a solid white or red) and resist adding optional extras.

Comparison: Car loan rates and repayments

Data updated regularly
$
Name Product Interest Rate (p.a.) Comparison Rate (p.a.) Monthly Repayment View Details CTA
IMB New Car Loan
4.99%
(fixed)
5.34%
You'll receive a fixed rate of 4.99% p.a.
A low minimum borrowing amount of $2,000 that you can use to purchase a new car or one that's up to two years old.
You'll receive a fixed rate of 4.99% p.a.
A low minimum borrowing amount of $2,000 that you can use to purchase a new car or one that's up to two years old.
Plenti Car Loan
From
4.89%
(fixed)
5.44%
You'll receive a fixed rate from 4.89% p.a.
Borrow up to $100,000 with a Plenti Car Loan and benefit from no early repayment or exit fees.
You'll receive a fixed rate from 4.89% p.a.
Borrow up to $100,000 with a Plenti Car Loan and benefit from no early repayment or exit fees.
Loans.com.au - New and Dealer Used Car Loan
From
4.67%
(fixed)
5.22%
You'll receive a fixed rate from 4.67% p.a. based on your risk profile
Finance a new car and benefit from features such as fast approval, no ongoing fees and an optional balloon payment. Settle the loan before 30 November 2021 and enter the draw to win a $1,000 fuel gift voucher. T&Cs apply.
You'll receive a fixed rate from 4.67% p.a. based on your risk profile
Finance a new car and benefit from features such as fast approval, no ongoing fees and an optional balloon payment. Settle the loan before 30 November 2021 and enter the draw to win a $1,000 fuel gift voucher. T&Cs apply.
NRMA New Car Loan
From
4.99%
(fixed)
5.69%
You'll receive a fixed rate from 4.99% p.a.
Purchase a new or used car up to 2 years old and benefit from a fixed rate and no monthly fees. Pre-approval available within 5 business hours.
You'll receive a fixed rate from 4.99% p.a.
Purchase a new or used car up to 2 years old and benefit from a fixed rate and no monthly fees. Pre-approval available within 5 business hours.
Credit Concierge Car Loan
From
3.85%
(fixed)
4.91%
You'll receive a fixed rate of 3.85% p.a. with a comparison rate of 4.91% p.a.
Get access to over 20 providers to fund a new or used car.

You'll receive a fixed rate of 3.85% p.a. with a comparison rate of 4.91% p.a.
Get access to over 20 providers to fund a new or used car.

Wisr Secured Car Loan
From
4.74%
(fixed)
5.01%
You'll receive a personalised interest rate from 4.74% p.a. to 16.01% p.a. based on your risk profile
A flexible car loan from $5,000 - $63,000 with personalised rates and rewards for strong credit customers.

You'll receive a personalised interest rate from 4.74% p.a. to 16.01% p.a. based on your risk profile
A flexible car loan from $5,000 - $63,000 with personalised rates and rewards for strong credit customers.

OurMoneyMarket Car Loan
From
5.35%
(fixed)
5.65%
You'll receive a fixed interest rate from 5.35% p.a. to 14.99% p.a. based on your risk profile.
Borrow between $2,001 and $75,000 to finance a new or used car up to 10 years.
You'll receive a fixed interest rate from 5.35% p.a. to 14.99% p.a. based on your risk profile.
Borrow between $2,001 and $75,000 to finance a new or used car up to 10 years.
CUA Secured Fixed Car Loan
6.79%
(fixed)
7.16%
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.
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.
Latitude Personal Loan (Secured)
From
5.99%
(fixed)
7.26%
You'll receive a fixed rate between 5.99% p.a. and 21.99% p.a. based on your risk profile
Lock in a competitive fixed rate when you offer security. Loan can be used for any purpose and repayments are flexible. You can check your interest rate before applying with no impact to your credit score.
You'll receive a fixed rate between 5.99% p.a. and 21.99% p.a. based on your risk profile
Lock in a competitive fixed rate when you offer security. Loan can be used for any purpose and repayments are flexible. You can check your interest rate before applying with no impact to your credit score.
Stratton Finance New Car Loan
From
4.05%
(fixed)
5.63%
You'll receive a fixed rate from 4.05% p.a. depending on the lender you are approved with
Apply for up to $250,000 and use cash or trade in a vehicle to use as a deposit. Optional balloon payment available.
You'll receive a fixed rate from 4.05% p.a. depending on the lender you are approved with
Apply for up to $250,000 and use cash or trade in a vehicle to use as a deposit. Optional balloon payment available.
SocietyOne Car Loan
From
6.99%
(fixed)
6.99%
You'll receive a fixed rate between 6.99% p.a. and 20.49% p.a. based on your risk profile
A loan from $5,000 to use for a range of purposes. Benefit from no ongoing fees and no early repayment fee.
You'll receive a fixed rate between 6.99% p.a. and 20.49% p.a. based on your risk profile
A loan from $5,000 to use for a range of purposes. Benefit from no ongoing fees and no early repayment fee.
Driva Car Loan
From
3.95%
(fixed)
5.1%
You'll receive a fixed rate from 3.95% p.a.
Borrow up to $250,000 with loan terms from 1 to 7 years. Get access to a range of lenders.
You'll receive a fixed rate from 3.95% p.a.
Borrow up to $250,000 with loan terms from 1 to 7 years. Get access to a range of lenders.
RACV New Car Loans
From
4.99%
(fixed)
5.69%
You'll receive a fixed rate from 4.99% p.a.
A larger loan of $5,000 or more to help you buy a new or used car. 5-hour pre approval available and no ongoing fees.
You'll receive a fixed rate from 4.99% p.a.
A larger loan of $5,000 or more to help you buy a new or used car. 5-hour pre approval available and no ongoing fees.
NRMA Used Car Loan
From
6.49%
(fixed)
7.19%
You'll receive a fixed rate from 6.49% p.a.
Finance a used car with NRMA and benefit from a fixed rate term and no monthly fees. Pre-approval available within 5 business hours.
You'll receive a fixed rate from 6.49% p.a.
Finance a used car with NRMA and benefit from a fixed rate term and no monthly fees. Pre-approval available within 5 business hours.
People's Choice CU Discounted Personal Loan (Car Loan)
From
4.65%
(fixed)
4.99%
Borrow over $20,000 and secure with a new or used car less than 2 years (manufacture year 2018).
Pre-approval, no monthly fees and fixed rate for 5 years.
Borrow over $20,000 and secure with a new or used car less than 2 years (manufacture year 2018).
Pre-approval, no monthly fees and fixed rate for 5 years.
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Compare up to 4 providers

Compare ute insurance providers

Name Product Roadside Assistance Accidental Damage Storm Choice of Repairer Agreed or Market Value
Budget Direct Comprehensive
Optional
Optional
Agreed or Market
Finder's summary: Awarded the 2019 Finder Award for the Best Value Car Insurance, this policy offers solid coverage at a low cost plus you will get 15% discount on first year's premium when you take out a policy online. Budget Direct’s claims service has received a 4.2/5 based on nearly 5,000 customer reviews.

Who it might be good for: People who want a comprehensive policy without breaking the bank.
QBE Comprehensive
Optional
Agreed or Market
Finder's summary: QBE is a sustainable insurance company and also Finder's Green Insurer of the Year 2020 Award winner. This policy offers the highest level of protection available from QBE including three-year new car replacement. You can also save $75 when you purchase a new comprehensive policy online. T&Cs apply.

Who it might be good for: Those that are looking for a more environmentally friendly insurance choice.
Bingle Comprehensive
Market
Finder's summary:Bingle consistently comes up as one of the cheaper insurers out there. It only covers the basics, so you don't get to choose your own repairer, you're not covered for personal items in the car and unless you add it as an option, you won't get a hire car if your car is stolen. But this keeps its premiums low.

Who it might be good for: Someone who wants a low-cost option that covers them for the basics.
Coles Comprehensive
Optional
Agreed or Market
Finder's summary: Coles have two-tiers of comprehensive car insurance to choose from. You'll earn double flybuys points at Coles supermarkets and you can get $10 off your Coles grocery bill every time you redeem 2,000 Flybuys points. If you're over 30, you can get roadside assistance free for a year.

Who it might be good for: Coles customers and Flybuys collectors.
Poncho Comprehensive
Agreed
Finder's summary: Poncho works like a monthly subscription – you pay monthly and can cancel and leave at any time. You can also list multiple cars and drivers under one policy, making it ideal for families and groups living together under one household.

Who it might be good for: People who want their car insurance month to month.
Qantas Comprehensive
Optional
Optional
Agreed or Market
Finder's summary: You'll be able to choose how comprehensive you want your cover to be with optional extras like choice of repairer and the option of agreed or market value. Plus earn Qantas Points for joining and paying your premium. Sign up by 2 May 2021, you can earn up to 30,000 Qantas Points (points awarded will be based on your premium). T&Cs and eligibility apply.
Virgin Comprehensive
Optional
Optional
Agreed or Market
Finder's summary: Finalists for the 2019 Finder Awards for Best Value Car Insurance, Virgin Comprehensive provides a good level of cover for a decent price. Get 15% off on your first year’s premium when you purchase a new eligible comprehensive car insurance online. T&Cs Apply.
Stella Comprehensive
Optional
Agreed or Market
Finder's summary: Stella’s a female-focused insurer. It'll cover you if your car is damaged as a result of domestic violence. It offers higher cover for baby gear than most, with up to $2,000 cover for prams, strollers and child seats. Get $50 cash back when you purchase online between 1 April – 30 June 2021 using the code STELLA50. T&C apply.

Who it might be good for: Someone who wants a female-centred car insurance policy (it will cover men too).
Youi Comprehensive
Optional
Agreed or Market
Finder's summary: Youi Comprehensive Car Insurance is one of the few providers to include roadside assistance in its policy. You'll also get access to YouiRewards which gives you discounts on furniture, parking and more. Youi also has a live chat feature on its site to talk through any questions.

Who it might be good for: People over 25 who want comprehensive cover with a focus on customer service
Real Comprehensive
Optional
Agreed or Market
Finder's summary: Real Comprehensive Car Insurance provides similar coverage to other insurers for the important stuff like looking after your car if it's stolen or you crash. They're also one of the few insurers who offer a Pay As You Drive policy, so you might be able to save big if you don't drive much.

Who it might be good for: Those that don't drive much can take advantage of their Pay As You Drive policy.
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Compare up to 4 providers

Images: supplied

More guides on Finder

Car Loan Offers

Important Information*
Logo for IMB New Car Loan
IMB New Car Loan

You'll receive a fixed rate of 4.99% 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.

Logo for Beyond Bank Low Rate Car Loan "Special Offer"
Beyond Bank Low Rate Car Loan "Special Offer"

You'll receive a fixed rate of 4.69% p.a.
Take advantage of a competitive rate, pre-approval and no early repayment fees when you finance a car under two years old.

Logo for RACV New Car Loans
RACV New Car Loans

You'll receive a fixed rate from 4.99% p.a.
A larger loan of $5,000 or more to help you buy a new or used car. 5-hour pre approval available and no ongoing fees.

Logo for NRMA New Car Loan
NRMA New Car Loan

You'll receive a fixed rate of 4.99% p.a.
Purchase a new or used car up to 2 years old and benefit from a fixed rate and no monthly fees. Pre-approval available within 5 business hours.

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