Get the Hilux off the wishlist and onto the driveway.
New from the dealer or second hand from a private seller, we compare personal and business finance for the ute you've had your eye on.
Australian Credit Licence 509582. Fees and lender criteria apply.
Why choose Simple Loans.
New & Used Hilux Finance
Competitive rates for all Hilux models, from Workmate to Rogue X.
Tradie-Friendly
Chattel mortgage and business finance options with potential tax benefits.
Compare the panel
See eligible options from 50+ banks and specialist lenders side by side.
Pre-approval Before You Shop
Know your options and shop with confidence at any Toyota dealer.
All Credit Types
Whether your credit is perfect or has a few bumps, we have lender options.
No Upfront Fee
No upfront fees, no obligations, we're paid by the lender, not you.
Why Finance Your Hilux Through Simple Loans?
The Toyota Hilux has been Australia's top-selling vehicle for years, and for good reason, it's reliable, versatile, and holds its value exceptionally well. Whether you're a tradie needing a workhorse, a family wanting a capable weekend adventurer, or a business owner expanding your fleet, financing through Simple Loans gives you access to 50+ lenders competing for your business.
Unlike going direct to Toyota Finance or your bank, we compare rates across our entire lender panel, including specialist ute finance providers who often offer sharper rates for popular vehicles like the Hilux. Our assessment has no upfront fee and no obligation.
Hilux Finance Options for Every Buyer
Different buyers need different finance structures. Here's what's available for your Toyota Hilux purchase:
- Consumer car loan: The standard option for personal use. Fixed or variable rates, terms from 1-7 years.
- Chattel mortgage: Ideal for ABN holders using the Hilux for business. Claim GST credits, interest deductions, and depreciation.
- Novated lease: Salary sacrifice your Hilux payments through your employer for potential tax savings.
- Hire purchase: Business finance where you gain ownership at the end of the term.
- Operating lease: For businesses wanting to keep the Hilux off the balance sheet.
Not sure which option is best? Our finance specialists will explain the pros and cons of each based on your situation, whether you're buying new or used, for personal or business use.
Toyota Hilux Model Guide
Here is a rough guide to the Hilux range and what each model suits:
- Hilux Workmate ($30k-$35k): The entry-level workhorse.
- Hilux SR ($40k-$48k): Mid-range with more features.
- Hilux SR5 ($52k-$60k): The popular choice for dual-use.
- Hilux Rogue / Rugged X ($65k-$75k): Premium range.
Drive-away pricing varies by dealer and state. Your repayment depends on the amount financed, the term and the rate your lender sets, so use our calculator for your own figures.
How it works.
Apply Online in Minutes
Fill out our simple online form, no paperwork, no obligations, and zero upfront fees.
We Compare 50+ Lenders
We search our panel of banks and specialist lenders to compare eligible options for your situation.
Drive Away Happy
Once approved, we arrange settlement with the lender and the seller. You drive away with finance sorted.
Frequently asked questions.
How much does it cost to finance a Toyota Hilux?
A new Toyota Hilux ranges from around $30,000 (Workmate) to $75,000+ (Rogue X). Monthly repayments depend on your loan amount, term, and the rate your lender sets. Use our calculator to model your own figures.
Is it better to finance a Hilux through Toyota or a broker?
A broker like Simple Loans compares 50+ lenders including Toyota Finance, meaning we can often find a better rate than going direct. We also offer more flexible terms and faster approvals.
Can I get a Hilux on a chattel mortgage?
Yes! If you use your Hilux for business (over 50%), a chattel mortgage lets you claim GST on the purchase, depreciation, and interest as tax deductions. This is the most popular finance structure for tradies buying a Hilux.
What deposit do I need for a Hilux?
Many lenders offer no-deposit Hilux finance. However, a 10-20% deposit will typically get you a better interest rate and lower monthly repayments.
Can I finance a used Toyota Hilux?
Absolutely. We arrange finance for used Hilux models from dealerships and private sellers. Lenders may have minimum year requirements (typically 2010 or newer for prime pricing tiers).
How quickly can I get approved for Hilux finance?
Decisions can be available the same day. Timing depends on the lender, how complete your application is, and when your documents arrive.
Ready to get started.
No upfront assessment fee. We compare 50+ lenders to compare eligible options.
People we also help
Simple Loans is a finance comparison tool. Holder of Australian Credit Licence No. 509582. All applications are subject to lender approval. Terms, conditions, fees and charges apply. This information is general in nature.