Farm Vehicle Finance
Utes, 4WDs, farm trucks, ATVs, and side-by-sides — the vehicles that keep your farm moving. We finance all types of farm work vehicles with structures designed for primary producers. Chattel mortgage, split business/personal use, new and used. Fast approval.
Chattel mortgage available. Split-use vehicles considered.
Finance the Vehicles That Keep Your Farm Running
Every farm needs reliable work vehicles. Whether it's a dual-cab ute for checking fences and moving gear, a 4WD for mustering or accessing remote parts of the property, or a farm truck for shifting stock and equipment, having the right vehicles is essential to a productive operation.
At Your Lending Friend, we help Australian farmers and primary producers finance all types of work vehicles. We work with lenders who understand agriculture — including those who can handle split business/personal use situations, low doc applications, and older or high-kilometre vehicles that mainstream lenders sometimes struggle with.
With chattel mortgage available for GST-registered farmers, you can claim the full GST upfront and access depreciation benefits — making farm vehicle finance financially efficient as well as practically useful.
Vehicles We Finance for Farmers
From utes and 4WDs to ATVs and farm trucks
Dual-Cab Utes
Ford Ranger, Toyota HiLux, Isuzu D-MAX, Mitsubishi Triton, Mazda BT-50 and others. New and used, business or split use.
4WDs & Wagons
Toyota LandCruiser, Toyota Prado, Ford Everest, Land Rover Defender — vehicles built for the demands of farm and station life.
Farm Trucks
Light and medium trucks for stock transport, grain carting, water carting, and general farm haulage. Single axle through to rigid.
ATVs & Quad Bikes
Honda, Yamaha, Can-Am, Polaris, and other brands. Quad bikes, three-wheelers, and enclosed cab units.
Side-by-Sides (UTVs)
Polaris Ranger, Can-Am Defender, John Deere Gator, Kubota RTV and others. Excellent for stock work, fencing, and property maintenance.
Troop Carriers & Wagons
Toyota 70 Series LandCruiser troop carriers, troopies, and extended cab wagons for musters and remote property access.
Finance Structures for Farm Vehicles
Chattel Mortgage for Primary Producers
- Immediate ownership of the vehicle
- Claim full GST upfront on your next BAS
- Depreciation benefits (instant asset write-off may apply)
- Fixed interest rate and repayments
- Commonly used by farmers and GST-registered primary producers
Split Business/Personal Use
- Many farm vehicles serve both farm and personal purposes
- Lenders can accommodate split-use vehicles (e.g. 70% business / 30% personal)
- The business portion determines your tax deductibility
- Discuss with your accountant to determine the right split for your situation
- We'll help structure the finance accordingly
Farm Vehicle Finance Details
How Farm Vehicle Finance Works
Finance designed for Australian farmers — from utes to troop carriers
Tell Us About Your Vehicle
Make, model, year, new or used, and how it'll be used on the farm. Split use? Let us know — we'll structure accordingly.
We Match You With the Right Lender
We compare 40+ lenders including those who specialise in primary producer vehicles and understand farm operations.
Choose Chattel Mortgage or Finance Lease
We'll explain the tax implications of each and help you pick the structure that works best for your situation.
Get on the Road Faster
Many approvals come through within 24-48 hours. We handle the paperwork so you can focus on the farm.
Checking your options won't affect your credit score
Farm Vehicle Finance FAQs
Common questions about financing utes, 4WDs, and work vehicles for farmers
Yes, we finance new and used vehicles. Used vehicles generally need to be less than 10-12 years old (some lenders go older depending on condition and kilometres), and may require a deposit of 10-20%. We'll advise what's available for the specific vehicle you're looking at.
If you're GST registered, yes. With chattel mortgage, you ca...
If you're GST registered, yes. With chattel mortgage, you can claim the full GST upfront on your next BAS. With a finance lease, GST is claimed over the life of the agreement. Chattel mortgage is generally preferred by primary producers for this reason.
This is very common with farm vehicles. We work with lenders...
This is very common with farm vehicles. We work with lenders who accept split-use applications. The business-use percentage affects tax deductibility, and your accountant can help determine the right split. From a finance perspective, split-use vehicles are generally assessed like business vehicles.
Yes, ATVs and UTVs used genuinely for farm work are financea...
Yes, ATVs and UTVs used genuinely for farm work are financeable as business assets. They need to be clearly used for primary production (mustering, fencing, property maintenance) rather than primarily recreational use.
Full doc applications use tax returns, but low doc options a...
Full doc applications use tax returns, but low doc options are available for primary producers using bank statements and BAS. If your farm income is seasonal or irregular, low doc may be a better pathway. We'll assess which approach suits your situation.
Still have questions? Contact our friendly team