Toyota Hilux Finance
The Toyota Hilux isn't just Australia's best-selling vehicle - it's a symbol of reliability and capability. Whether you're a tradie needing a tough work ute, a family wanting weekend adventure potential, or a business needing a fleet vehicle, we'll help you find competitive Hilux finance from over 40 lenders.
Australia's most popular vehicle - easy to finance
Finance Australia's Favourite Ute
There's a reason the Toyota Hilux has dominated Australian sales charts for years. It's proven itself in the harshest conditions, holds its value better than almost any other vehicle, and has earned its reputation for bulletproof reliability.
At Your Lending Friend, we help Australians finance their Hilux dreams. Whether you're buying new from a Toyota dealer, finding a quality used model, or need business finance with tax benefits, we compare options from 40+ lenders to find competitive rates that suit your situation.
Why Finance a Hilux With Us?
The Hilux advantage extends to financing
Strong Resale Value
The Hilux holds its value exceptionally well - Australia's most popular vehicle for good reason. Lenders love financing them.
Tradie-Friendly Finance
ABN holder options including chattel mortgage. Tax deductions on interest and depreciation for work vehicles.
Competitive Rates
Toyota reliability and strong resale value means competitive finance rates. We compare 40+ lenders to find the best deal.
Proven Reliability
The Hilux's legendary reliability means lower lender risk. This can translate to better rates and easier approvals.
Toyota Hilux Models & Pricing
Approximate new pricing to help you plan your budget
Hilux Workmate
$36,000 - $46,000
No-frills workhorse. Single cab, extra cab, and double cab options. Built for the job site.
Hilux SR
$46,000 - $54,000
Step up in comfort with air conditioning, power windows, and improved interior.
Hilux SR5
$54,000 - $64,000
The popular choice. Leather-accented interior, larger touchscreen, and premium features.
Hilux Rogue
$68,000 - $75,000
Premium lifestyle ute with sports bar, unique styling, and top-tier interior.
Hilux Rugged X
$72,000 - $80,000
Off-road focused with steel bull bar, LED light bar, and heavy-duty protection.
Hilux GR Sport
$70,000 - $78,000
Gazoo Racing styling with performance-inspired appearance and premium equipment.
*Prices are approximate drive-away and subject to change. Use our car loan calculator to estimate repayments.
Hilux Finance Options
Different ways to finance your Toyota Hilux
Consumer Car Loan
Standard secured car loan for personal use. Your Hilux acts as security, helping keep rates competitive.
- Fixed or variable rates
- Terms from 2-7 years
- Balloon payment options
- Full ownership from day one
Best for: Personal buyers wanting the Hilux for family and lifestyle
Chattel Mortgage
The go-to choice for tradies and ABN holders. Take ownership immediately while enjoying tax benefits.
- GST claimed upfront
- Interest tax-deductible
- Depreciation benefits
- Flexible balloon options
Best for: Tradies and business owners using the Hilux for work
Novated Lease
Salary packaging option for employees. Pay for your Hilux from pre-tax salary through your employer.
- Pre-tax salary payments
- Running costs included
- GST savings
- Potential tax benefits
Best for: Employees with salary packaging benefits
How Hilux 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 Hilux finance options from 40+ lenders. Know your budget before visiting the Toyota dealer.
Choose Your Hilux
Shop with confidence at your Toyota dealer or find a quality used model. Pre-approval gives you negotiating power.
Drive Away
Once you've chosen your Hilux, we handle the paperwork with the dealer. Settlement typically takes 24-48 hours.
Checking your options won't affect your credit score
Calculate Your Hilux Repayments
Use our car loan calculator to estimate your monthly repayments on a Toyota Hilux. Adjust the loan amount, rate, and term to find a payment that works for your budget.
Try the CalculatorToyota Hilux Finance FAQs
Common questions about financing a Hilux
The Hilux has been Australia's best-selling vehicle for years due to its legendary reliability, strong resale value, and versatility. It's equally at home on the worksite, towing boats, or doing the school run. This popularity also makes it easy to finance.
Yes. We work with specialist lenders who consider applicatio...
Yes. We work with specialist lenders who consider applications from people with bad credit. The Hilux's strong resale value actually helps - lenders see it as lower risk. A deposit can further improve your chances.
Both can be financed easily. Workmate models are popular wit...
Both can be financed easily. Workmate models are popular with tradies for work use (often via chattel mortgage). SR5 models are popular for dual personal/work use. The choice depends on your needs and budget.
Yes, most lenders allow you to include genuine Toyota access...
Yes, most lenders allow you to include genuine Toyota accessories and aftermarket additions like canopies, bull bars, and tow bars in your finance. This keeps everything in one manageable payment.
Used Hiluxes hold their value extremely well, so the savings...
Used Hiluxes hold their value extremely well, so the savings versus new aren't as dramatic as other vehicles. However, 2-3 year old models still offer good value while often remaining under warranty. Both options can be financed competitively.
Most tradies use a chattel mortgage, which allows you to cla...
Most tradies use a chattel mortgage, which allows you to claim the GST upfront and deduct interest from your taxes. You'll need an ABN and typically 6+ months of business activity. We can help find the right lender for your situation.
For good credit applicants, some lenders offer no-deposit fi...
For good credit applicants, some lenders offer no-deposit finance on Hiluxes due to their strong resale value. Having 10-20% can get you better rates. Bad credit applicants may need 10-20% deposit.
Most applications receive a response within 24 hours. Straig...
Most applications receive a response within 24 hours. Straightforward applications often get same-day approval. Once approved, settlement with the dealer typically takes 24-48 hours.
Still have questions? Contact our friendly team