Tradie Ute Finance — Get the Ute, Keep the Cash

Treadgold Finance provides access to multiple lenders rather than limiting you to one bank's products. We compare rates and terms across numerous banks, credit unions, and specialist lenders to find options suited to your situation. Our brokers understand different lending criteria and match your application to lenders most likely to approve. We handle paperwork and lender communication, streamlining the process while providing expert guidance.

We arrange financing for the vehicles tradies rely on most: utes, vans, dual cabs, and light commercial vehicles. Whether you're after a single work vehicle or looking to finance a fleet, our lender network includes specialists in tradie and business vehicle finance. From a first work ute to upgrading your existing setup, we'll find suitable options to keep your business moving.

Tradie and business vehicle finance applications may receive conditional approval within 24-48 hours with complete documentation. Commercial and fleet deals typically take 3-7 business days, though complex or high-value applications may need additional time. We expedite the process by ensuring complete applications and maintaining regular lender contact. Pre-approval options are also available to help accelerate your final approval.

Borrowing capacity depends on income, existing debts, expenses, credit history, and asset type. Amounts range from a few thousand to several million dollars. Most lenders finance up to 100% of asset value, though deposits may be required. We conduct preliminary assessments to determine realistic limits and match you with appropriate lenders.

Yes, we work with lenders who understand irregular income patterns from self-employment, contracting, or seasonal work. These specialist lenders assess your average income over time, bank statements, and business activity rather than requiring standard payslips. We present your financial situation in the best light, demonstrating your repayment capacity through alternative documentation.

We only conduct credit checks when you provide written consent, typically after finding suitable loan options. Initial assessments and quotes don't require credit checks. When we do check your credit, we coordinate applications to minimise inquiries on your file. Multiple applications within a short timeframe for the same loan type typically count as one inquiry for credit scoring purposes.

Rates and fees vary based on loan amount, term, asset type, credit profile, and market conditions. We provide transparent information about all costs and compare total borrowing costs across lenders, not just interest rates. Our service includes negotiating favourable terms and minimising unnecessary fees where possible.