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Isuzu finance

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Isuzu finance options at a glance

  • Finance for an Isuzu D-MAX, MU-X and more
  • Secured and unsecured finance options
  • Isuzu commercial finance
  • Isuzu novated lease
  • Borrow up to $150,000
  • Fixed or variable interest rate
  • Finance terms from 1 - 7 years
  • Flexible repayment options
  • Pre-approval available

Isuzu finance Australia: What you need to know

Purchasing an Isuzu ute is a big investment for a household or business, and getting the finance right is key. There are several ways you can finance an Isuzu, ranging from secured consumer car loans, commercial car finance and novated leasing.

There are certainly plenty of people in Australia who find themselves needing finance for an Isuzu. In 2022, Isuzu Ute sold 35,323 new vehicles, with the D-MAX featuring in the top 10 list of best-selling new cars. Isuzu trucks are also a feature on highways up and down the country.

While the right finance option will vary from one borrower to another, understanding the options is a good starting point for anyone looking to buy an Isuzu. Let’s take a look.

Isuzu finance rates compared: What will your monthly repayments be?

Estimated vehicle costMonthly repayment at 6% p.a.Monthly repayment at 8% p.a.

Isuzu Ute D-MAX (4x4 X-TERRAIN crew cab ute automatic) drive away from $72,973



Isuzu Ute MU-X 4x4 (LS-T automatic) drive away from $72,868



Isuzu car loan examples are calculated using monthly repayments with a fixed interest rate, a 5-year term, and estimated vehicle costs for a private buyer in NSW as of 5 July 2023 (according to Isuzu Ute’s website). Actual car pricing may be different. Estimated repayments do not include any fees the lender may charge. Actual car loan interest rates are calculated by the lender based on your application.

How to get the best deal on Isuzu finance

Because Isuzu is a top-selling brand in Australia, there is fierce competition among lenders trying to lure buyers with attractive finance offers. Usually low advertised interest rates are how lenders try to draw in Isuzu drivers. But there is more to a good finance deal than the ‘sticker’ interest rate lenders advertise.

  • Your personalised Isuzu finance interest rate: This is the actual interest rate you’ll be paying on your Isuzu finance. It will be calculated by the lender based on your application (e.g. factoring in your credit score) and the type of Isuzu you’re buying (new or used).

  • Isuzu finance fees: Pay attention to fees you’ll be charged by the lender up-front as well as ongoing fees. Fees can quickly blow out the cost of financing an Isuzu.

  • The finance term: Ideally you want as short a term as possible on your Isuzu finance, as that will mean less interest to pay overall.

  • Repayment flexibility: Isuzu finance that offers the flexibility to make extra repayments and repay the loan early (without penalties applying) is the ideal scenario.

Isuzu eligibility

Am I eligible for Isuzu finance?

The eligibility criteria for Isuzu finance will vary from lender to lender. But the standard car finance requirements with a lot of providers are:

  • You must be at least 18 years of age
  • You must be an Australian citizen or permanent resident
  • You must have a regular source of income to cover the repayments
  • You meet the lender’s other credit criteria (e.g. they will check your credit score)
Isuzu finance application

How to apply for Isuzu finance

Here’s a quick overview of the process for applying for finance to buy an Isuzu ute or truck:

  1. Compare tailored Isuzu car loan quotes
  2. Choose your best deal
  3. Apply for finance with the lender
  4. Provide documents to support your application
  5. The lender will assess your application

If your application is successful, you’ll either be granted car loan pre-approval up to a certain amount (meaning you can go shopping for your Isuzu based on your pre-approved budget), or final approval if you have already decided on the model you want to buy.

Options for financing an Isuzu

Secured or unsecured Isuzu car finance

Secured car finance for an Isuzu will likely work out cheaper than an unsecured car loan.

With a secured loan, your Isuzu will act as collateral. This means if you can’t repay the loan, the lender has the ability to repossess it to cover its loss. Lenders like this reduced risk and offer lower rates on secured loans as a result.

Used Isuzu finance

If you’re looking to buy a used Isuzu, your options will be slightly different. Lenders generally offer the lowest rates on brand new cars, with rates on used car loans increasing the older the car is.

But even if you are buying a used Isuzu, you can still generally get a secured car loan unless the vehicle is particularly old (e.g. more than 12 years old).

Isuzu novated lease

Another option is to finance your Isuzu through a novated lease. This can mean significant tax savings as the payments on the vehicle are made on your behalf by your employer using your pre-tax salary. You can also cover most of the running costs for your Isuzu in this way through a novated lease.

At the end of the novated lease term, you can make the residual payment to own the vehicle, then upgrade to a new Isuzu model with a new lease. Alternatively you can extend the existing lease for a new term.

Isuzu commercial finance

Isuzu is known as a manufacturer of commercial vehicles. If you need Isuzu finance for a vehicle that will be used for business use more than half of the time, there are a couple of main options:

  • Business car loan: A secured loan offered specifically for business vehicles.
  • Truck loan: Specialised finance for large commercial vehicles.
  • Finance lease: A type of equipment finance offering full use of an asset in return for regular lease payments.
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Frequently asked questions about Isuzu finance

Most individual Isuzu dealers offer finance to customers. The specific products, rates, fees and other finance conditions will depend on which dealer you buy through. It’s usually offered through the dealership by a third-party finance provider.

It’s a good idea to carefully consider whether getting Isuzu finance through the dealership is the best approach. It may be convenient to have the finance set up as part of the buying process, but you won’t necessarily be getting the best deal. Looking at finance options before you go shopping for an Isuzu could help you prioritise your finance, before you go looking for the best deal on the vehicle itself.

Isuzu finance interest rates are different for each borrower. Your interest rate will be calculated based on your application. Generally, the rate you’re offered will take these factors into account:

  • The age of the Isuzu vehicle you’re buying
  • Whether you get finance from an Isuzu dealer or a specialist lender
  • Whether the loan is secured or not
  • Your credit history and score
  • Your financial situation (e.g. your income, expenditures, debts, and assets you own)

It may still be possible to get finance for an Isuzu ute or truck even if you have bad credit. This will of course depend on the other aspects of your application. But if you are approved for a bad credit car loan for your Isuzu, you will likely be charged a fairly high interest rate compared to borrowers with a good credit score.

Isuzu vehicles are often used for commercial purposes, and the approval process for that is different to the one used for personal loans. You can read our guide on bad credit truck loans to understand how it works.

Some Isuzu finance options come with a balloon payment. This means you have lower ongoing payments during the loan term, with a large one-off payment at the end. This can be very appealing, particularly for businesses looking to maximise their ongoing cashflow. Just be aware that the overall cost of the loan is generally higher with a balloon payment (assuming the other terms of the loan are the same).

Car Loans guides and resources

Where to next? Read our other car loan guides to understand more about your options for financing your next car.

Written by

Sean Callery Editor


Sean Callery

Reviewed by

Megan Birot writer

Senior Finance Writer

Megan Birot


*Information about comparison rates Comparison rates are designed to allow borrowers to understand the true cost of a loan by taking into account fees and charges, the loan amount and the term of the loan. The comparison rate is based on an unsecured fixed rate personal loan of $30,000 over 5 years. WARNING: Comparison rates are true only for the examples provided and may not include all fees and charges. Different terms, fees or loan amounts might result in a different comparison rate.