Business LDV T60 finance for tradies and contractors. Compare ownership and lease structures.
Commercial borrower pathway
Cost-conscious businesses wanting low upfront cost dual-cab options for urban and regional trade work.
T60 is commonly funded through commercial structures where the ute is used primarily for business. Borrowers choose between ownership-first structures and cash-flow-first structures depending on tax position, replacement cycle and monthly budget.
Start with realistic T60 settings and adjust purchase price, deposit, balloon, term, frequency and new/used assumptions before lodging your quote.
Typical price: $49,000 | Term: 3-7 yrs | Indicative rates: From 6.29%
| Typical drive-away range | $44,100-$58,800 |
|---|---|
| Payload | Up to 1025kg |
| Towing capacity | 3000kg-3500kg variant dependent |
| Drivetrain | 4x2 and 4x4 |
| Transmission | 6-speed auto or manual |
| Typical commercial buyers | Start-up trades, maintenance teams, delivery support and light construction businesses. |
Finance decisions should include whole-of-life ownership cost, not just monthly repayment.
| Fuel economy | 8.7-9.9L/100km |
|---|---|
| Servicing | $520-$900 per interval |
| Registration | $1000-$1450/year |
| Insurance and maintenance allowance | Varies by postcode, driver profile and usage intensity |
| Estimated annual ownership cost | $9,900-$14,800 per year (fuel, rego, insurance, servicing) |
| Structure | Best for | Commercial notes |
|---|---|---|
| Chattel Mortgage | Ownership and tax planning | Common for GST-registered businesses claiming GST credits and depreciation. |
| Finance Lease | Cash-flow management | Suitable where lease rentals and planned upgrade cycles are preferred. |
| Operating Lease | Fleet turnover and lower upfront burden | Can suit businesses focused on usage and replacement cadence over ownership. |
| Business Vehicle Loan | Straightforward repayment structures | Useful where simpler structures and predictable repayment schedules are needed. |
Balloon payments, deposits, trade-ins and refinance pathways are tailored per lender and vehicle profile.
New ABN trade business using a modest deposit to secure a T60 work vehicle quickly.
Established operator adding a second T60 for staff growth with monthly repayment alignment.
Used T60 buyer financing a private sale with full condition checks.