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Isuzu finance options at a glance
- Finance for an Isuzu D-MAX, MU-X and more
- Secured and unsecured finance options
- Isuzu commercial finance
- Isuzu novated lease
- Borrow up to $150,000
- Fixed or variable interest rate
- Finance terms from 1 - 7 years
- Flexible repayment options
Isuzu finance Australia: What you need to know
Purchasing an Isuzu ute is a big investment for a household or business, and getting the finance right is key. There are several ways you can finance an Isuzu, ranging from secured consumer car loans, commercial car finance and novated leasing.
There are certainly plenty of people in Australia who find themselves needing finance for an Isuzu. In 2022, Isuzu Ute sold 35,323 new vehicles, with the D-MAX featuring in the top 10 list of best-selling new cars. Isuzu trucks are also a feature on highways up and down the country.
While the right finance option will vary from one borrower to another, understanding the options is a good starting point for anyone looking to buy an Isuzu. Let’s take a look.
Isuzu finance rates compared: What will your monthly repayments be?
Isuzu Ute D-MAX (4x4 X-TERRAIN crew cab ute automatic) | |
Estimated cost | Drive away from $72,973 |
Monthly repayments (6% p.a. interest) | $1,411 |
Monthly repayments (8% p.a. interest) | $1,480 |
Isuzu Ute MU-X 4x4 (LS-T automatic) | |
Estimated cost | Drive away from $72,868 |
Monthly repayments (6% p.a. interest) | $1,409 |
Monthly repayments (8% p.a. interest) | $1,478 |
| Estimated cost | Monthly repayments (6% p.a. interest) | Monthly repayments (8% p.a. interest) | |
|---|---|---|---|
Isuzu Ute D-MAX (4x4 X-TERRAIN crew cab ute automatic) | Drive away from $72,973 | $1,411 | $1,480 |
Isuzu Ute MU-X 4x4 (LS-T automatic) | Drive away from $72,868 | $1,409 | $1,478 |
How to get the best deal on Isuzu finance
Because Isuzu is a top-selling brand in Australia, there is fierce competition among lenders trying to lure buyers with attractive finance offers. Usually low advertised interest rates are how lenders try to draw in Isuzu drivers. But there is more to a good finance deal than the ‘sticker’ interest rate lenders advertise.
Your personalised Isuzu finance interest rate
This is the actual interest rate you’ll be paying on your Isuzu finance. It will be calculated by the lender based on your application (e.g. factoring in your credit score) and the type of Isuzu you’re buying (new or used).
Isuzu finance fees
Pay attention to fees you’ll be charged by the lender up-front as well as ongoing fees. Fees can quickly blow out the cost of financing an Isuzu.
The finance term
Ideally you want as short a term as possible on your Isuzu finance, as that will mean less interest to pay overall.
Repayment flexibility
Isuzu finance that offers the flexibility to make extra repayments and repay the loan early (without penalties applying) is the ideal scenario.
Am I eligible for Isuzu finance?
The eligibility criteria for Isuzu finance will vary from lender to lender. But the standard car finance requirements with a lot of providers are:
- You must be at least 18 years of age
- You must be an Australian citizen or permanent resident
- You must have a regular source of income to cover the repayments You meet the lender’s other credit criteria (e.g. they will check your credit score)
How to apply for Isuzu finance
Here’s a quick overview of the process for applying for finance to buy an Isuzu ute or truck:
- Compare tailored Isuzu car loan quotes
- Choose your best deal
- Choose your best deal
- Apply for finance with the lender
- Provide documents to support your application
- The lender will assess your application
If your application is successful, you’ll either be granted car loan pre-approval up to a certain amount (meaning you can go shopping for your Isuzu based on your pre-approved budget), or final approval if you have already decided on the model you want to buy.
Options for financing an Isuzu
1
Secured or unsecured Isuzu car finance
Secured car finance for an Isuzu will likely work out cheaper than an unsecured car loan. With a secured loan, your Isuzu will act as collateral. This means if you can’t repay the loan, the lender has the ability to repossess it to cover its loss. Lenders like this reduced risk and offer lower rates on secured loans as a result.
2
Used Isuzu finance
If you’re looking to buy a used Isuzu, your options will be slightly different. Lenders generally offer the lowest rates on brand new cars, with rates on used car loans increasing the older the car is. But even if you are buying a used Isuzu, you can still generally get a secured car loan unless the vehicle is particularly old (e.g. more than 12 years old).
3
Isuzu novated lease
Another option is to finance your Isuzu through a novated lease. This can mean significant tax savings as the payments on the vehicle can be made partly using your pre-tax salary. You can also cover most of the running costs for your Isuzu in this way through a novated lease.
Isuzu commercial finance
Isuzu is known as a manufacturer of commercial vehicles. If you need Isuzu finance for a vehicle that will be used for business use more than half of the time, there are a couple of main options:
- Business car loan: A secured loan offered specifically for business vehicles.
- Truck loan: Specialised finance for large commercial vehicles.
- Finance lease: A type of equipment finance offering full use of an asset in return for regular lease payments.
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