Rent-to-Own Utes Made Simple

Get the ute you need now — with fast approval, flexible terms, and simple requirements.

Fast approvals, flexible terms, and options for all credit profiles.

Check my rent-to-own eligibility (30 sec)

100% free · No credit score impact · No obligation

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Trusted by truck & transport operators across Melbourne & Australia.

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Logos of Australia’s top business lenders partnered with Casey Asset Finance

Why rent-to-own utes?

Rent-to-own is one of the fastest and most flexible ways for Australian businesses to get a work-ready ute without a large upfront payment.

  • Ideal for trades & construction

  • Great for new ABNs

  • Suitable for bad credit

  • Weekly repayments that are easy to manage

  • Fast approvals (perfect if contracts start soon)

  • Guaranteed ownership at the end

If you need a reliable ute to stay operational — this is one of the simplest pathways.

What is rent-to-own ute finance?

Rent-to-own is a business finance structure where:

  • You choose the ute

  • A lender purchases it

  • You rent it under a fixed agreement

  • Ownership transfers to you at the end

It's similar to a lease — but with guaranteed ownership once the term is completed.

Who this suits best

Rent-to-own utes are popular with:

  • Electricians

  • Plumbers

  • Carpenters

  • Landscapers

  • Construction workers

  • Mobile service operators

  • Small businesses expanding their fleet

  • New ABN holders

  • Operators needing quick approval

  • Applicants with imperfect credit conduct

  • Credit score as low as 100 possible

Whether you're replacing a ute or scaling your business, this structure can help.

What lenders look for

  • Industry experience

  • Suitable asset

  • Low credit scores are acceptable

  • Unpaid and paid defaults are acceptable

Low-doc, new ABN and bad credit applications can all be considered.

Most rent-to-own lenders look for:

How the process works

1. Choose the ute

New or used — from a dealer or private seller.

2. Quick assessment

Short call to understand your business.

3. Lender matching

We find the best lender for your profile and the ute you want.

4. Approval

Some lenders can approve within 24 hours.

5. Settlement

Lender pays the seller. You collect the ute.

6. Weekly repayments

Simple and predictable.

7. Ownership at the end

Once the term is complete, the ute is yours.

See which options you may qualify for

100% free · No credit score impact · No obligation

Eligibility

You may qualify even if you:

  • Don’t have any financials

  • Have a new ABN

  • Have previous orexisting credit issues

  • Need fast access to a ute for work

  • Are growing your business or starting contracts

Rent-to-own lenders focus more on real performance than perfect paperwork.

What types of utes can be financed?

Most commercial utes are accepted, including:

  • Toyota Hilux

  • Ford Ranger

  • Nissan Navara

  • Isuzu D-MAX

  • Mitsubishi Triton

  • Mazda BT-50

  • LDV T60 Max

  • 4x2 and 4x4

  • Single cab, dual cab, space cab

  • Tray setups, canopy setups, toolboxes

If it's a business-use ute, there’s likely a lender for it.

Benefits of rent-to-own utes

  • No large deposit needed

  • Simple approval requirements

  • Options for low doc & bad credit

  • Predictable weekly repayments

  • Works for start-up tradies

  • Fast turnaround

  • Guaranteed ownership

Great for businesses that need to stay on the road.

Check my rent-to-own eligibility (30 sec)

Why choose Casey Asset Finance

  • Clear guidance for all van purchase scenarios

  • Lenders who specialise in complex credit profiles

  • Fast assessments with minimal friction

  • Personalised support throughout the process

  • A focus on transparency and simplicity

  • Proven experience with challenging credit situations

What you can expect

  • Respectful, simple communication

  • Zero judgment — just solutions

  • No unnecessary paperwork

  • Honest expectations upfront

  • A tailored plan that fits your situation

  • Support before, during, and after settlement

Frequently Asked Questions

  • Yes — many rent-to-own lenders accept low scores.

  • No. Just your ID, ABN and a good reason for why you need the ute.

  • Some lenders approve in 24 hours with quick settlement after documents are supplied.

  • Yes — private sales are allowed with a quick inspection.

Ready to get started?

Get clear guidance — and rent-to-own options today.

Check my rent-to-own eligibility (30 sec)

100% free · No credit score impact · No obligation

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