Toyota Hilux Finance. Australia's #1 Selling Vehicle
The Toyota Hilux is Australia's best-selling vehicle for a reason. Whether you're buying a new SR5, a used Workmate for the job site, or a Rogue for weekends, we compare 50+ lenders to find your best Hilux finance deal.
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.
Rates from 6.49%
Compare 50+ banks and specialist lenders for the best Hilux rate.
Same-Day Approval
Get pre-approved in hours 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.
Free Assessment
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 is completely free with 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 & Finance Costs
Here's a rough guide to financing different Hilux models (rates and repayments are indicative only):
- Hilux Workmate ($30k-$35k): The entry-level workhorse. Approx. $600-$700/month over 5 years.
- Hilux SR ($40k-$48k): Mid-range with more features. Approx. $800-$950/month over 5 years.
- Hilux SR5 ($52k-$60k): The popular choice for dual-use. Approx. $1,030-$1,190/month over 5 years.
- Hilux Rogue / Rugged X ($65k-$75k): Premium range. Approx. $1,290-$1,490/month over 5 years.
These estimates are based on a 6.99% rate over 5 years with no balloon payment. Your actual rate may be lower. get a free quote to find out.
How it works.
Apply Online in 60 Seconds
Fill out our simple online form, no paperwork, no obligations, and zero upfront fees.
We Compare 50+ Lenders
Our finance comparison tools search our panel of banks and specialist lenders to find the best rate for your situation.
Drive Away Happy
Once approved, funds are settled fast, often same day. 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 interest rate. For example, a $50,000 Hilux over 5 years at 6.99% would cost approximately $990/month.
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 the best rates).
How quickly can I get approved for Hilux finance?
Most Hilux finance applications receive a conditional approval within 2-4 hours during business hours. We can often settle within 24 hours of full approval.
Ready to get started.
Free assessment, no upfront costs. We compare 50+ lenders to find you the best deal.
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.
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One short form, then a specialist compares our 50+ lender panel for your situation. Rates from 6.49% p.a. No credit impact to get started.