Ute Finance in NZ — Finance the Truck Your Trade Runs On
AutoDrive finances utes across New Zealand — new or used, from a dealer or a private seller — for tradies, sole traders and businesses. This page covers how ute finance works and what tradies need. For the broader product, see our car loans page.
How does ute finance work in NZ?
Ute finance is a secured vehicle loan, $5,000 to $150,000 over 12 to 84 months, with the ute itself as the lender's security.
Can I finance a ute if I'm self-employed?
Yes — most tradies are self-employed, and lenders assess your business bank statements and tax records instead of a payslip; see our car finance for self-employed Kiwis.
Business use vs personal use — does it matter?
It can affect which lender and documents fit, but AutoDrive finances utes for both work and personal use.
Can I finance a ute through a private sale?
Yes — AutoDrive pays a private seller directly after the ute checks out on the PPSR; see our private sale car finance page.
New vs used ute finance — what changes?
Both are available; an older ute may mean a shorter term or slightly higher rate — estimate it on our car loan calculator.
What do tradies need to apply?
- Income proof (payslips or business bank statements)
- Valid NZ ID
- Last 90 days of bank statements
- Ute details (make, model, price, seller)
How do I apply with AutoDrive?
Apply online — Alfie checks your affordability under the CCCFA. Alfie is an AI assistant and can make mistakes — the final lending decision is made by the lender. See how it works, our used car finance page, or estimate on the car loan calculator.