NZ Business Ute Finance

Ute Finance —
Built for Tradies.

Ranger, Hilux, D-Max and more. We arrange business ute finance from 15+ NZ lenders — approvals in 24 hours, no deposit required, and no broker fee charged to you.

24hr Approvals No Credit Impact to Apply 15+ Lenders Tax-Deductible Repayments
★★★★★ 5.0 on Google Trusted by NZ tradies

About This Product

Ute finance sorted —
the fundr way.


fundr is a specialist finance broker — which means we work for you, not the lender. When you apply for ute finance, we take your deal to our panel of 15+ NZ lenders and find the one that's the right fit for your business and your situation.

One application. One point of contact. No repeated credit checks and no chasing multiple banks. Just straightforward ute finance for NZ tradies, sorted fast.

How fundr works →
15+
Lenders on panel
24hr
Typical approval
15yr
Commercial lending experience

What We Finance

We finance any ute
your business needs.

01

Ford Ranger

NZ's best-selling work ute. Finance new or used Rangers — XL, XLS, XLT, Wildtrak and Raptor variants.

02

Toyota Hilux

The trade favourite. SR, SR5 and Rogue — single, extra and double cab. New dealer stock or used.

03

Mitsubishi Triton & D-Max

Reliable and affordable. Popular with tradies who need a proven workhorse on a tight budget.

04

Other Work Utes

Mazda BT-50, Nissan Navara, VW Amarok — if it's a business ute, we can finance it.

Why Choose fundr

Why NZ tradies use fundr
instead of their bank.

15+ Lenders on Panel

We shop your deal across our full lender panel — so you get the best rate available, not just whatever one bank offers.

Approved in 24 Hours

Most applications get a decision within 24 hours. No three-week delays while the bank reviews your file.

Tax-Deductible Repayments

Business ute finance repayments can be tax-deductible. Keep more cash in the business — not the IRD.

Talk to Nick Directly

You'll deal with Nick personally — not a call centre. One number, one person, from enquiry to settlement.

Customer Reviews

What NZ tradies say
about fundr.

★★★★★

"Nick sorted our Ranger finance in under 24 hours. Way easier than going to the bank — and we got a better rate. Will use fundr for our next ute for sure."

James M.
Electrical contractor, Auckland
★★★★★

"Bought my Hilux through fundr. Nick was straight up about what we'd qualify for, no messing around. Finance approved same day and we picked up the truck two days later."

Shane R.
Builder, Christchurch
★★★★★

"We've financed three utes through Nick now. The process gets smoother every time. No broker fee, fast turnaround — I tell every tradie I know to call fundr first."

Danny K.
Plumbing business owner, Wellington

How It Works

Three steps to get
your ute financed.

Tell us what you need

Fill in our short form in under 3 minutes. Tell us the ute, the price, and a bit about your business. That's it.

⏱ 3 minutes

We find the right lender

Nick reviews your situation and matches it to the right lender from our panel of 15+. One clean application — no repeated credit checks.

⚡ We do the legwork

Get approved and get moving

You'll hear back within 24 hours. Sign digitally and funds are released so you can get back on the tools.

✓ ~24 hour decision

Ready to get
your ute financed?

One application. 15+ lenders. A decision in 24 hours. fundr makes ute finance straightforward for NZ tradies.

Repayment Calculator

Estimate your ute
repayments.

Get a rough idea of monthly repayments on your work ute based on loan amount and term. Actual rates depend on your business profile — get a proper quote to see your real options.

Est. Monthly Payment $0

Figures are estimates only. Actual rates and repayments vary based on your credit profile, lender, and loan structure. No credit check performed.

Common Questions

Ute finance
FAQs.

Everything NZ tradies ask before applying. Still have questions? Call Nick directly.

Our Promise

Our Promise to You

No runaround, no endless waiting. Just straight-up ute finance that actually works for your business.

15+ Lenders on Panel

We shop your deal to the right lender — not just whoever your bank is. More choice means better rates.

Decision in 24 Hours

Not three weeks. Most applications get an answer the same day or next business day.

Flexible Loan Terms

Repayments structured around your cash flow — not the lender's preference.

Talk to Nick Directly

You deal with one person — Nick — from enquiry through to settlement. No 0800 numbers.

Expert Finance Knowledge

15 years in commercial lending. We know what lenders need and how to get your deal across the line.

Lifetime Support

Ongoing admin and support long after your loan settles. We're here when you need us — always.

Get Started

Ready to get your
ute financed?

Apply in 3 minutes No credit impact We'll be in touch within the hour

Prefer to talk first?