Ford Ranger Finance 2022
Compare Ford Ranger Finance options from a range of Australian lenders.
Ford Ranger finance comparison table
Compare other products
We currently don't have that product, but here are others to consider:
How we picked theseFinder Score for car loans
To make comparing car loans even easier we came up with the Finder Score. Interest rates, fees and features across 200+ car loan products and 100+ lenders are all weighted and scaled to produce a score out of 10. The higher the score, the more competitive the product.
In this guide:
Want to know more about the Ford Ranger?
Read our detailed Ford Ranger comparison review, where we combined the findings of five motoring experts. Reading that will save you a lot of time. Our team has also driven the 2019 Ranger and the Raptor. If you're looking at a used Ford Ranger, we also have a 2017 MY comparison review.
Why the Ford Ranger?
What reasons can we give you to help you narrow down your ute selection?
- The Ford Ranger is very well reviewed.
- It's supposed to be great off-road.
- Value-wise it's also pretty good, not the cheapest, but with a solid level of equipment.
- It looks chunky and mean.
- That 2.0-litre engine is rather frugal, while packing a powerful punch.
- It's a competent alternative to the HiLux.
- It's popular.
- It's reportedly well constructed.
What to look for in a Ford Ranger loan
If you could design a perfect car loan, it would have the following features:
- A low-interest rate
- No application fees
- No monthly fee
- Affordable monthly repayments
- Payment flexibility, for example, if you wanted to pay back extra one month
The more of the above that is true about a prospective loan, the closer you are to finding a competitive car loan.
How to compare car loans for the Ford Ranger
Many drivers will be buying the ute as a business or commercial vehicle. If that's the case for you, check our business car loan comparison guide.
If you're a private buyer, the next thing you need to think about is the types of finance on offer.
We help you compare secured and unsecured car loans. With a secured loan, the lender registers an interest in the vehicle. Consequently, if you fail to meet your repayments agreement, they'll legally be in a position to recover it. A secured car loan typically has the benefit of a lower rate of interest because of the security held against the loan.
Another factor to take into consideration, lenders often require the funds of a secured car loan be spent purely on the car purchase. If you need to borrow a bit more to cover things like insurance or other on-road costs, look at an unsecured car loan. These loans won't have as keen an interest rate, so you'll pay a little more over the loan term. However, there are fewer conditions attached to how you use the money.
Don't forget to weigh in application fees, early repayment charges and other costs. Those can quickly add-up!
What other Ford Ranger finance options are there?
As well as a secured car loan, you could finance a Ford Ranger using:
- An unsecured car loan - This type of personal loan gives you the freedom to spend the borrowed money on other purchases unrelated to the Ford Ranger.
- A novated lease - Ideal for employees, this type of finance may have tax benefits
- A chattel mortgage - Ideal for Ford Ranger business buyers
- Dealer finance - Dealer finance provided by your Ford dealer. This type of Ford Ranger finance often carries attractive interest rates, but maybe packaged with balloon/residual payments.
How to use the above car finance comparison tool
To see examples of Ford Ranger loans, enter the total you need to borrow and select the term in years. The longer the borrowing period, the lower the payments should be month to month. That can help make a Ranger match your budget. To do a quick mental calculation, the difference is more or less in line with the years of the loan, so a three-year loan will be roughly twice the monthly repayment of a seven-year agreement. Don't forget, the longer you take out a loan, the more you'll have to repay in interest.
Find loans puzzling? Don't worry, we've got your back. Our car loans guide breaks down the application process and jargon into every day, easy to comprehend English. You can thank us later!
Recent car reviews
Picture: Supplied
More resources on Finder
Ask a question
More guides on Finder
-
Green Car Loans Australia
Some lenders offer a better deal if you get a loan for an eco-friendly car. See how they work and compare car loans here.
-
Car loans for pensioners
On a pension but need a new car? There are still many choices if you know where to look.
-
Compare car loans for classic cars
Want to buy a classic car but don't have the ready money? There are still financing options available for classic vehicles. Find out what loans you have to choose one and which one will work best for you.
-
Tesla Superchargers Map: Where you can charge in Australia
Find out the extent of Australia's Tesla Supercharger network with our complete map of every charging station.
-
IMB car loans
Find out how to take advantage of competitive rates, no monthly fees and an easy application all while getting the finance you need with IMB loan options.
-
People’s Choice Credit Union secured and car loans
People’s Choice offers competitive loans with pre-approval, rate discounts and other features to help put you behind the wheel of a new or used vehicle.
-
Should I refinance or pay my novated lease balloon payment?
If you've come to the end of your novated lease and you are left with a balloon payment, you might be wondering whether to refinance that into a personal loan or take on another novated lease.
-
First Option Bank Car Loans
Lock in a competitive rate for as long as five years with First option Bank – you can finance both new and used car loans.
-
BankSA Car Loans Comparison
BankSA offers a range of loans for your next car. If you're looking to finance a new or used car you can consider a secured or unsecured personal loan from BankSA, both with competitive rates. Compare and apply today.
-
Gateway Bank Car Loans
If you're in the market for a range of loans, Gateway Bank might have an offering worth considering. You can use your car as security and get a lower rate with both new and used vehicles, so compare and apply today.