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Isuzu finance guide
Looking to buy an Isuzu ute or SUV? Here’s our simple round-up of the pros and cons of different Isuzu finance options.
Example: Isuzu D-MAX finance
Dean is interested in an Isuzu D-Max EX manual 4x4, but needs to decide whether to buy a new 2018 model retailing for $34,800 or take advantage of a 5-year-old model that is almost identical and is being sold privately for $16,400.
If Dean chooses the new model, he could apply for a secured car loan similar to those set out on this page. He could put up the car as security, and take advantage of competitive interest rates starting from 5.29% p.a. with a fixed term.
If he buys the older model, Dean would be unlikely to be approved for a secured car loan since the car is already 5 years old. He could consider an unsecured car loan but would need to be prepared to pay higher interest rates due to the increased risk to the lender.
Alternatively, Dean could consider a secured personal loan if he had another asset to put up as security, such as a business asset or residential property.
* This is a fictional, but realistic, example.
Isuzu running costs
According to RedBook’s vehicle information website, the Isuzu D-Max is the more fuel efficient of the 2 Isuzu models available in Australia, with an average cost of $118 per 1,000km compared to $131 per 1,000km for the MU-X, based on national average metropolitan fuel prices.
The average cost per full tank of fuel based on the same national average fuel prices came in at $123 for the D-MAX and $105 for the MU-X based on the D-Max's greater fuel capacity. Autotrader calculated the average costs of registration and CTP insurance to be $957 per year for the first 3 years, with tyres costing $243 per year and servicing amounting to $317 per year on average.
Which is the best Isuzu finance option to go for?
As with any loan product, there is no one finance offer that will suit everyone. With different lenders offering different loan terms and rates, the finance offer that suits one person may not be the better choice for another person.
When comparing Isuzu financing options, consider the following:
- The amount you want to borrow. Do you want to finance the full cost of the Isuzu only, or are you looking for an extra amount to purchase accessories and upgrades? Do you have a deposit to contribute to reduce the amount of the loan? Consider the amounts different lenders are willing to lend, and whether this suits your needs.
- The cost of the loan. Interest rates are important, but should not be the only consideration when comparing finance options. Some loans will include a combination of charges in addition to interest, which can include application fees, ongoing fees and early exit fees, along with hefty penalties for late or dishonoured payments. Make sure you’re aware of all applicable fees charged by each lender so you can compare the total cost of the loan, rather than just the interest rate.
- Flexibility. Is it possible you would want to pay out the loan early? Could you be interested in trading in your Isuzu for a newer model before the end of the loan term? If so, you’ll need a loan that offers flexible terms, including not imposing penalties for early repayment.
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Isuzu Australia model range
The Isuzu Australia range encompasses just 2 models, the MU-X SUV and the D-MAX ute.
Isuzu MU-X
The Isuzu MU-X is a large, 7-seater SUV. Owners get to enjoy a powerful, turbocharged diesel engine (originally based on a truck engine) and an upmarket interior. Not bad specs for a 4x4 that can tow 3 tonnes and tackle rugged terrain.
The MU-X generally sells with a 6-speed auto transmission, and it's the same gearbox you'll find in the Hilux and Prado. There is a manual transmission available on LS-U 4x4 models. The MU-X was Australia's best selling ute-based SUV of 2017. Isuzu MU-X rivals include the Mitsubishi Pajero Sport, Ford Everest and Toyota Fortuner. The Japanese SUV also achieved second place in 4x4 Australia magazine's 4x4 of the year award for 2018.
Features vary depending on the model you choose.
- LS-M. The starter spec LS-M model has a 7-inch touch screen that features USB, Bluetooth and a reverse camera. It is also equipped with LED daytime running lights, rearward parking sensors, LED projector headlights, 16-inch alloys and air conditioning.
- LS-U. Buyers opting for the LS-U model get an enlarged 8-inch infotainment screen, a chrome grille in place of gun metal front grille, matching chrome exterior accessories, rear cabin vents and 18-inch alloys.
- LS-T. The top of the range LS-T builds upon the LS-U model, with part-leather seats, a passive entry and ignition system, an electrically adjustable driver's seat and a 10-inch DVD screen for passengers seated in the back.
Isuzu D-MAX ute
- Sat nav
- Roof rails
- Passive entry and start system
- Leather-appointed seats
- LED running lights and tail lights
- 18-inch alloys
- Hill descent control
- Climate control
The motoring media generally considers the D-MAX a good all-rounder. It's not the cheapest ute, nor the flashiest, but it probably only really lacks a locking rear differential. Reviews agree that the 3-litre turbocharged Isuzu diesel under the bonnet is very punchy with bags of torque. The ute was also lauded for its durable interior and towing capabilities.
Isuzu history
Isuzu is a Japanese commercial vehicle maker. The company derives its name from the Isuzu river in Japan. It has a long history of building diesel engines and has produced over 26.8 million since 1936.
Isuzu owns multiple production facilities worldwide and has experimented with passenger vehicles in the past. Today, the automotive brand focuses on both light and heavy commercial vehicles, as well as supplying diesel engines to other manufacturers.
For a time, Isuzu formed a joint-development project with Holden's pick-up team.
Frequently asked questions about purchasing an Isuzu ute or SUV
What is the fuel tank capacity?
The D-MAX ute has a fuel tank capacity of 76 litres, while the MU-X SUV’s fuel tank capacity is 65 litres.
Do I need to use an approved Isuzu service centre to keep my warranty intact?
Not necessarily. While having your Isuzu ute or SUV serviced at a non-Isuzu-approved centre will not automatically void your warranty, the terms of the warranty must be adhered to. In particular, service parts must comply with the specifications listed in the Isuzu Owner’s and Driver’s Manual, and must be of equal quality to the original fluids and parts. The maintenance procedure must also be completed according to the manufacturer’s recommendations, otherwise your warranty could be in jeopardy.
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