Ford Ranger Finance
The Ford Ranger is one of Australia's best-selling vehicles for good reason - it's tough, capable, and versatile. Whether you're a tradie needing a reliable work ute or a family wanting weekend adventure capability, we'll help you find competitive Ranger finance from over 40 lenders.
Finance for new and used Rangers, including ABN holder options
Finance Your Ford Ranger
The Ford Ranger has earned its place as one of Australia's most popular 4x4 utes. With impressive towing capacity, proven reliability, and a comfortable interior, it's the go-to choice for tradies, families, and adventure seekers alike.
At Your Lending Friend, we specialise in Ranger finance for all situations. Whether you're buying new from a Ford dealer, picking up a quality used model, or need finance with an ABN, we compare options from 40+ lenders to find competitive rates that suit your budget.
Why Finance Through Us?
Benefits of financing your Ranger with Your Lending Friend
Competitive Ute Rates
Ford Rangers hold their value well, making them attractive to lenders. This often translates to competitive finance rates.
ABN Holder Options
Chattel mortgage and commercial hire purchase options for business owners. Potential tax benefits for work vehicles.
Flexible Terms
Loan terms from 2 to 7 years with balloon payment options to reduce your monthly repayments if needed.
New & Used Options
Finance for brand new Rangers or quality used models. We can help with dealership purchases or private sales.
Ford Ranger Models & Pricing
Approximate new pricing to help you plan your budget
Ranger XL
$38,000 - $48,000
The workhorse. Single cab, chassis cab, and super cab options for tradies and businesses.
Ranger XLS
$45,000 - $52,000
Added comfort features with alloy wheels, rear parking sensors, and upgraded interior.
Ranger XLT
$52,000 - $62,000
The popular choice. Leather accents, 8-inch touchscreen, and advanced safety features.
Ranger Sport
$56,000 - $65,000
Sporty styling with unique grille, sports bar, and 18-inch alloy wheels.
Ranger Wildtrak
$62,000 - $72,000
Premium finish with leather interior, larger display, and enhanced technology.
Ranger Raptor
$85,000 - $95,000
Performance off-road beast with FOX shocks, V6 twin-turbo, and aggressive styling.
*Prices are approximate drive-away and subject to change. Use our car loan calculator to estimate repayments.
Ranger Finance Options
Different ways to finance your Ford Ranger
Consumer Car Loan
Standard secured car loan for personal use. The Ranger acts as security, helping keep rates competitive.
- Fixed or variable rates
- Terms from 2-7 years
- Balloon payment options
- You own the vehicle
Best for: Personal buyers wanting the Ranger for family and recreation
Chattel Mortgage
Popular choice for ABN holders. The lender takes a mortgage over the vehicle while you retain ownership from day one.
- GST claimed upfront
- Interest tax-deductible
- Depreciation benefits
- Balloon payment options
Best for: Business owners and ABN holders using the Ranger for work
Commercial Hire Purchase
Another business option where you hire the vehicle with an option to purchase at the end of the term.
- Tax-deductible payments
- Flexible balloon options
- Off balance sheet option
- Ownership at term end
Best for: Businesses wanting to spread costs and manage cash flow
How Ranger Finance Works
Four simple steps from application to driving away
Apply Online
Complete our simple 5-minute application. Tell us about your income and whether you're buying for personal or business use.
Get Pre-Approved
We compare Ranger finance options from 40+ lenders. Know your budget before visiting the dealership.
Choose Your Ranger
Shop with confidence knowing your finance is sorted. New from the dealer or used - we can help with both.
Drive Away
Once you've chosen your Ranger, we finalise everything with the seller. Settlement typically takes 24-48 hours.
Checking your options won't affect your credit score
Calculate Your Ranger Repayments
Use our car loan calculator to estimate your monthly repayments on a Ford Ranger. Adjust the loan amount, rate, and term to find a payment that works for your budget.
Try the CalculatorFord Ranger Finance FAQs
Common questions about financing a Ford Ranger
Yes. We work with specialist lenders who consider applications from people with bad credit, defaults, or past financial difficulties. You may pay a higher rate, but options are available. A deposit can improve your chances.
For good credit applicants, some lenders offer no-deposit fi...
For good credit applicants, some lenders offer no-deposit finance. However, having 10-20% deposit can help you secure better rates. For bad credit applicants, a deposit is often required and can significantly improve approval chances.
If you have an ABN and use the Ranger for business purposes,...
If you have an ABN and use the Ranger for business purposes, a chattel mortgage can offer tax benefits. You can claim GST upfront and the interest is tax-deductible. Talk to your accountant about whether this suits your situation.
Yes, many lenders allow you to finance genuine Ford accessor...
Yes, many lenders allow you to finance genuine Ford accessories and aftermarket additions like bull bars, canopies, and tow bars as part of your loan. This keeps everything in one manageable repayment.
A balloon payment reduces your monthly repayments by deferri...
A balloon payment reduces your monthly repayments by deferring a portion of the loan to the end. For example, a 30% balloon on a $60,000 Ranger means $18,000 due at term end. You can pay it, refinance it, or trade the vehicle.
New Rangers come with full warranty and the latest features ...
New Rangers come with full warranty and the latest features but depreciate faster. Used Rangers (2-4 years old) offer better value while still being reliable. Both can be financed - new cars often attract slightly lower rates.
Absolutely. We offer chattel mortgage and commercial hire pu...
Absolutely. We offer chattel mortgage and commercial hire purchase options for businesses. These can provide tax benefits and help manage cash flow. ABN holders with at least 6 months trading history can apply.
Most applications receive a response within 24 hours. For st...
Most applications receive a response within 24 hours. For straightforward applications with complete documentation, same-day approval is often possible. Settlement with the dealer typically takes 24-48 hours after approval.
Still have questions? Contact our friendly team