4x4 finance.

It's a loan to buy a four-wheel drive, secured against the vehicle. How it's structured depends largely on whether the 4x4 is for personal use or going into a business, since those are treated differently by lenders.

It does. A 4x4 used predominantly for business is generally assessed as a commercial facility, which opens up different structures and different documentation. One used mainly for family and recreation goes down the consumer path. Tell us which applies and we'll point you at the right option.

Frequently, yes. Bull bars, canopies, trays, suspension, dual battery setups and long-range tanks can often be rolled in when they're fitted at the time of purchase. Accessories added later are harder to include, so it's worth planning the build before you finalise the finance.

Sometimes. Lenders set limits on vehicle age at the start and end of the loan term, and those limits differ considerably between them. Well-maintained 4x4s hold value well, which helps. Send through the details and we'll tell you honestly where it will and won't fit.

Generally photo ID, proof of income, and details of your expenses and existing commitments. If it's going through the business, your ABN details as well. Facilities can carry establishment fees, ongoing account fees and sometimes early payout costs, which vary between lenders and are laid out before you sign.