Isuzu finance guide

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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Compare Isuzu car insurance side-by-side and get quotes

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Name	Product	Roadside Assistance	Accidental Damage	Storm	Choice of Repairer	Agreed or Market Value
Budget Direct Comprehensive Finder Award		Optional			Optional	Agreed or Market	Finder's summary: Awarded the 2021 Finder Award for Car Insurance - Value in QLD, SA, TAS, VIC, WA and Car Insurance - Features in NSW, VIC, WA, this policy offers solid coverage at a low cost. Budget Direct's claims service has received a 4.2/5 based on nearly 5,000 customer reviews. ⭐ Current offer: Get 15% discount on first year's premium when you take out a policy online. T&Cs apply. Who it might be good for: People who want a comprehensive policy without breaking the bank.	Get Quote View details	Compare	loading Fetching your data...
Youi Comprehensive Car Insurance					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.	Get Quote View details	Compare	loading Fetching your data...
Coles Comprehensive		Optional				Agreed or Market	Finder's summary: With Coles comprehensive car insurance, you could 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 your car is damaged, you could benefit from a one-week turnaround on repairs. ⭐ Current offer: Get 10% off your first year's premium when you take out a policy online. T&Cs apply. Who it might be good for: Coles customers and Flybuys collectors.	Get Quote View details	Compare	loading Fetching your data...
QBE Comprehensive Green Company					Optional	Agreed or Market	Finder's summary: QBE is a sustainable insurance company and also Finder's Green Insurer of the Year 2021 award winner. This policy offers the highest level of protection available from QBE including three-year new car replacement. ⭐ Current offer: 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.	Get Quote View details	Compare	loading Fetching your data...
Bendigo Bank Comprehensive						Agreed or Market	Finder's summary: Bendigo Bank’s comprehensive policy offers up to $30 million in liability insurance, cover for your personal items and the option of a replacement car if your vehicle is being repaired after an accident. Who it might be good for: Those who seek the peace of mind that comes with high legal liability and a range of cover benefits.	Get Quote View details	Compare	loading Fetching your data...
Bingle Comprehensive						Market	Finder's summary:Bingle consistently comes up as one of the cheaper insurers out there. It only covers the basics. 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.	Get Quote View details	Compare	loading Fetching your data...
Australia Post Comprehensive					Optional	Agreed or Market	Finder's summary: Australia Post car insurance offers comprehensive cover for things like theft, fire, new for old replacement and emergency accommodation and transport. Cover also extends to anyone who uses your car, not just you. ⭐ Current offer: Get $75 off your first year’s premium when you buy online. T&Cs apply. Who it might be good for: If multiple people use the one car and you don’t want to worry about listing all drivers.	Get Quote View details	Compare	loading Fetching your data...
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. ⭐ Current offer: Earn Qantas Points for joining and paying your premium. Sign up today and earn up to 20,000 Qantas Points (points awarded will be based on your premium). T&Cs and eligibility apply. Who it might be good for: People who'd like to earn Qantas Points.	Get Quote View details	Compare	loading Fetching your data...
Woolworths Comprehensive		Optional				Agreed or Market	Finder's summary: Woolworths has some unique perks like a price-beat guarantee where it'll beat any current comparable comprehensive renewal notice if you're over 25. You can also get 10% off your grocery shop once a month and can add roadside assistance onto your policy for just $7.33 per month. ⭐ Current offer: Save up to 15% when you buy online. T&Cs apply. Who it might be good for: Woolworths shoppers and those that want to take advantage of its price-beat guarantee.	Get Quote View details	Compare	loading Fetching your data...
ahm Comprehensive		Optional				Both	Finder’s summary: ahm comprehensive car insurance lets you choose higher excess to reduce your premiums. Its Fixed Kilometre Plan can save you up to 30% compared to its standard comprehensive cover. ⭐ Current offer: ahm and Medibank health members get up to 15% off when they purchase a new car insurance policy. T&Cs apply. Who it might be good for: People who drive less than 15,000 km per year.	View details	Compare	loading Fetching your data...
Huddle Black Comprehensive						Agreed or Market	Finder's summary: Huddle's black comprehensive is its cover with highest limits and exclusive benefits. It includes roadside assistance. You can also get up to $2,000 for emergency travel and accommodation and up to $30 million legal liability cover. Who it might be good for: Someone who wants a 24/7 claims processing.	View details	Compare	loading Fetching your data...
KOBA Pay per KM						Agreed	Finder's summary: KOBA car insurance uses a pay-per-km system – ideal if you drive less. It offers comprehensive cover for things like theft, hail, fire and 3rd party damage. Who it might be good for: Anyone who doesn't drive that much or want to limit how much they're on the road.	View details	Compare	loading Fetching your data...
Budget Direct Third Party Fire and Theft Finder Award		Optional				Agreed	Save 15% on your first year's premium when you purchase a new policy online. T&Cs apply.	Get Quote View details	Compare	loading Fetching your data...
Youi Third Party Fire and Theft					Optional	Agreed or Market	Up to $20 million legal liability cover and 24/7 claims team.	Get Quote View details	Compare	loading Fetching your data...
Coles Third Party Fire and Theft		Optional				Agreed or Market	Get 10% off your first year's premium online. T&Cs apply.	Get Quote View details	Compare	loading Fetching your data...
Bendigo Bank Third Party Fire and Theft						Agreed or Market	Get up to $30m in liability cover, $5,000 in protection against uninsured drivers, towing costs and more with Bendigo Bank’s midweight policy.	Get Quote View details	Compare	loading Fetching your data...
Qantas Third Party Property, Fire and Theft		Optional				Market	Earn Qantas Points when you sign up. T&Cs apply.	Get Quote View details	Compare	loading Fetching your data...
Woolworths Third Party Fire and Theft		Optional				Market	Buy online and save up to 15%. Plus, Everyday Rewards Members will save 10% on their monthly shop. T&Cs apply.	Get Quote View details	Compare	loading Fetching your data...
Budget Direct Third Party Property Damage Finder Award		Optional				Agreed	Save 15% on your first year's premium when you purchase a new policy online. T&Cs apply.	Get Quote View details	Compare	loading Fetching your data...
Youi Third Party Property Damage						Agreed or Market	Covered up to $5,000 for accidental damage to your car caused by an uninsured third party.	Get Quote View details	Compare	loading Fetching your data...

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Isuzu Australia model range

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.

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.