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
Compare car loan rates by category
Lowest car loan rates (all loan types)
| Loan | Interest rates | Comparison rates^ | Loan amounts |
|---|---|---|---|
| Westpac Electric Car Loan | 5.74% | 7.16% | $10,000 - $130,000 |
| BankWAW Green Car Loan | 5.79% | 5.82% | Up to $100,000 |
| SWS Bank 5 Year Term Vehicle Loan | 5.79% | 5.79% | $1,000 - $1,000 |
| Harmoney Secured Car Loan | 5.93% - 21.99% | 5.93% - 22.92% | $2,000 - $100,000 |
| Loans.com.au Car Loan | 5.94% - 16.89% | 7.07% - 18.01% | $10,000 - $150,000 |
| Harmoney Unsecured Car Loan | 5.94% - 24.03% | 5.94% - 24.98% | $2,000 - $100,000 |
| OurMoneyMarket Car Loan | 5.95% - 18.99% | 5.95% - 21.78% | $5,000 - $100,000 |
| NOW Finance Unsecured Personal Loan | 5.95% - 26.95% | 5.95% - 26.95% | $5,000 - $100,000 |
| Heritage Bank Green Car Loan | 5.99% | 6.34% | From $20,000 |
| Queensland Country Bank Green Car Loan | 5.99% | 6.28% | $2,000 - $150,000 |
| SWS Bank Fixed Rate Vehicle Loan | 5.99% | 5.99% | $1,000 - $200,000 |
| People First Bank Green Car Loan | 5.99% | 6.34% | $20,000 - $120,000 |
| SWS Bank 7 Year Term Vehicle Loan | 6.00% | 6.00% | $1,000 - $200,000 |
| Great Southern Bank Green Car Loan | 6.09% - 12.24% | 6.23% - 12.39% | $5,000 - $100,000 |
| Move Bank Car loan | 6.09% | 6.36% | $10,000 - $150,000 |
| Australian Mutual Bank Fixed Rate Car Loan | 6.19% | 6.40% | $10,000 - $80,000 |
| ING Personal Loan for a Car | 6.19% - 19.99% | 7.03% - 20.78% | $5,000 - $60,000 |
| MoneyPlace Secured Car Loan (New) | 6.20% - 6.52% | 6.63% - 6.95% | Up to $80,000 |
| MoneyPlace Secured Car Loan (Used) | 6.20% - 6.52% | 6.23% - 6.95% | Up to $80,000 |
| Liberty Flexible Car Loan | 6.20% - 19.19% | 6.63% - 20.77% | $5,000 - $100,000 |
Lowest EV/green car loan rates
| Loan | Interest rates | Comparison rates^ | Loan amounts |
|---|---|---|---|
| Westpac Electric Car Loan | 5.74% | 7.16% | $10,000 - $130,000 |
| SWS Bank 5 Year Term Vehicle Loan | 5.79% | 5.79% | $1,000 - $1,000 |
| BankWAW Green Car Loan | 5.79% | 5.82% | Up to $100,000 |
| Harmoney Secured Car Loan | 5.93% - 21.99% | 5.93% - 22.92% | $2,000 - $100,000 |
| Harmoney Unsecured Car Loan | 5.94% - 24.03% | 5.94% - 24.98% | $2,000 - $100,000 |
| Loans.com.au Car Loan | 5.94% - 16.89% | 7.07% - 18.01% | $10,000 - $150,000 |
| NOW Finance Unsecured Personal Loan | 5.95% - 26.95% | 5.95% - 26.95% | $5,000 - $100,000 |
| OurMoneyMarket Car Loan | 5.95% - 18.99% | 5.95% - 21.78% | $5,000 - $100,000 |
| Queensland Country Bank Green Car Loan | 5.99% | 6.28% | $2,000 - $150,000 |
| SWS Bank Fixed Rate Vehicle Loan | 5.99% | 5.99% | $1,000 - $200,000 |
Lowest fixed car loan rates
| Loan | Interest rates | Comparison rates^ | Loan amounts |
|---|---|---|---|
| Westpac Electric Car Loan | 5.74% | 7.16% | $10,000 - $130,000 |
| SWS Bank 5 Year Term Vehicle Loan | 5.79% | 5.79% | $1,000 - $1,000 |
| Harmoney Unsecured Car Loan | 5.94% - 24.03% | 5.94% - 24.98% | $2,000 - $100,000 |
| OurMoneyMarket Car Loan | 5.95% - 18.99% | 5.95% - 21.78% | $5,000 - $100,000 |
| NOW Finance Unsecured Personal Loan | 5.95% - 26.95% | 5.95% - 26.95% | $5,000 - $100,000 |
| SWS Bank 7 Year Term Vehicle Loan | 6.00% | 6.00% | $1,000 - $200,000 |
| Great Southern Bank Green Car Loan | 6.09% - 12.24% | 6.23% - 12.39% | $5,000 - $100,000 |
| Move Bank Car loan | 6.09% | 6.36% | $10,000 - $150,000 |
| ING Personal Loan for a Car | 6.19% - 19.99% | 7.03% - 20.78% | $5,000 - $60,000 |
| MoneyPlace Secured Car Loan (Used) | 6.20% - 6.52% | 6.23% - 6.95% | Up to $80,000 |
Lowest variable car loan rates
| Loan | Interest rates | Comparison rates^ | Loan amounts |
|---|---|---|---|
| Autopay Car Loan | 6.24% - 24.49% | 7.13% - 25.87% | $10,000 - $100,000 |
| MoneyMe Personal Loan | 6.24% - 26.10% | 6.95% - 27.49% | $5,000 - $70,000 |
| Bank First Green Car Loan Variable | 6.29% - 9.29% | 6.56% - 9.57% | - |
| The Mac Credit Union New Car Loan | 6.29% - 6.19% | 6.66% - 6.56% | Up to $100,000 |
| Gateway Bank Green Car Loan | 6.44% | 6.65% | $3,000 - $75,000 |
| BCU Bank Car loan | 6.74% | 7.05% | $2,000 - $100,000 |
| QBANK Car loan | 6.74% - 9.24% | 7.37% - 9.86% | $1,000 - $150,000 |
| Bank First New Car Loan Variable | 6.79% - 9.79% | 7.06% - 10.07% | From $10,000 |
| Orange Credit Union New Car Loan | 6.89% - 7.39% | 7.26% - 7.74% | $5,000 - $120,000 |
| Bank of us Vehicle Loan | 6.99% | 7.27% | From $5,000 |
Isuzu finance rates compared
Compare finance interest rates for a range of Isuzu models to see your estimated monthly repayments.
Isuzu model | Isuzu D-Max (Single Cab SX 4X2 High-Ride - Manual) |
|---|---|
Estimated cost | $32,700 |
Monthly repayments (6% p.a. interest) | $632 |
Monthly repayments (8% p.a. interest) | $663 |
Monthly repayments (10% p.a. interest) | $695 |
Isuzu model | Isuzu MU-X (LS-M 4X2) |
Estimated cost | $47,400 |
Monthly repayments (6% p.a. interest) | $916 |
Monthly repayments (8% p.a. interest) | $961 |
Monthly repayments (10% p.a. interest) | $1,007 |
Isuzu model | Isuzu D-Max (Dual Cab SX 4X4 - Manual) |
Estimated cost | $49,200 |
Monthly repayments (6% p.a. interest) | $951 |
Monthly repayments (8% p.a. interest) | $998 |
Monthly repayments (10% p.a. interest) | $1,045 |
Isuzu model | Isuzu D-Max (Dual Cab X-Terrain 4X4 - Auto) |
Estimated cost | $70,500 |
Monthly repayments (6% p.a. interest) | $1,363 |
Monthly repayments (8% p.a. interest) | $1,429 |
Monthly repayments (10% p.a. interest) | $1,498 |
Isuzu model | Isuzu MU-X (X-Terrain 4X4) |
Estimated cost | $74,400 |
Monthly repayments (6% p.a. interest) | $1,438 |
Monthly repayments (8% p.a. interest) | $1,509 |
Monthly repayments (10% p.a. interest) | $1,581 |
| Isuzu model | Estimated cost | Monthly repayments (6% p.a. interest) | Monthly repayments (8% p.a. interest) | Monthly repayments (10% p.a. interest) |
|---|---|---|---|---|
Isuzu D-Max (Single Cab SX 4X2 High-Ride - Manual) | $32,700 | $632 | $663 | $695 |
Isuzu MU-X (LS-M 4X2) | $47,400 | $916 | $961 | $1,007 |
Isuzu D-Max (Dual Cab SX 4X4 - Manual) | $49,200 | $951 | $998 | $1,045 |
Isuzu D-Max (Dual Cab X-Terrain 4X4 - Auto) | $70,500 | $1,363 | $1,429 | $1,498 |
Isuzu MU-X (X-Terrain 4X4) | $74,400 | $1,438 | $1,509 | $1,581 |
Types of Isuzu finance options available
Secured loan
A common choice for financing is a secured car loan, where your Isuzu serves as security for the loan, reducing the lender's risk. However, if you miss payments or default, the lender has the right to take ownership and sell the vehicle to recover the outstanding debt. Loan terms typically range from 1 to 7 years, with the flexibility to choose between fixed or variable interest rates.
Unsecured loan
An unsecured personal loan is similar to a car loan, but without requiring your Isuzu as security. Since there’s no asset securing the loan, lenders typically charge higher interest rates to offset the increased risk. Otherwise, unsecured loans function much like car loans.
Novated lease
A novated lease through your employer is another financing option for your Isuzu. You can still use the vehicle for personal purposes without restrictions, while enjoying several tax benefits that make it an attractive alternative to a car loan. By paying for the vehicle and its running costs with your pre-tax salary, you can enjoy significant tax savings. Additionally, you'll receive a GST discount on both the cost of the Isuzu and its running expenses.
Finance lease
If you're looking for the flexibility of not owning your Isuzu immediately, a finance lease could be an excellent option for eligible business customers. In this setup, you make regular payments to the lender, who buys the vehicle on your behalf and holds ownership throughout the lease term. Once the lease ends, you have the choice to either renew the lease or purchase the Isuzu outright.
Chattel mortgage
If you’ll be using your Isuzu for business purposes more than 50% of the time, you might qualify for a chattel mortgage. This type of business vehicle finance works like a secured car loan, but it also offers extra tax benefits for businesses.
Isuzu dealer finance and commercial 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.
If you’re considering Isuzu dealer finance, it’s a good idea to contact your local dealership for more details.
If you need Isuzu finance for a vehicle that will be used for business purposes more than 50% of the time, there are a couple of main options:
- Business car loan: A secured loan designed specifically for business vehicles.
- Truck loan: Specialised finance for larger commercial vehicles.
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 interest rate lenders advertise.
Your 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).
Finance fees and charges
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. This also includes fees for paying off the loan early or missing a repayment.
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. To give you an idea, if you finance an Isuzu D-Max (Dual Cab X-Terrain 4X4 - Auto) priced at $70,500 with an interest rate of 8% p.a., you’ll pay an extra $6,533 in interest over a 7-year term compared to a 5-year term.
Repayment flexibility
The ideal Isuzu finance option allows you to make extra repayments and pay off the loan early without penalties. It’s also important to check if you can choose repayment frequencies - weekly, fortnightly or monthly - to better align with your budget.
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)
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:
- Compare Isuzu car loan quotes
- Choose a good deal or use a car loan broker if you don't want to go it alone
- Apply for finance with the lender
- Provide documents to support your application
- 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.
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