The Ford Ranger was Australia’s best-selling new vehicle in 2025 and leads again in 2026. With a range that runs from a work-spec single cab to a high-performance flagship, the loan amount depends heavily on which Ranger you buy. New Ranger prices run from $37,130 to $99,990, and NIK Finance compares car loans across 130+ lenders to find the right one for you.
An estimate is fine. You can change it later.
| Ford Ranger | |
|---|---|
| New price (2026 range) | $37,130 to $99,990 |
| Body types | Dual Cab, Single Cab, Extra Cab |
| 2025 new sales | 56,555 (1st in Australia) |
| 2026 sales (January to September 2026) | 37,858 (1st) |
Prices are list prices from Carsguide, based on Glass’s pricing data. Drive-away prices are higher once on-road costs such as registration and stamp duty are added.
The amount you borrow sets your repayments, and on a Ranger it depends mostly on the variant and your deposit. These are the loan amounts before on-road costs, which some lenders let you include in the loan.
| Price point | No deposit | 10% deposit | 20% deposit |
|---|---|---|---|
| Entry price ($37,130) | $37,000 | $33,500 | $29,500 |
| Middle of the range ($68,500) | $68,500 | $61,500 | $55,000 |
| Top of the range ($99,990) | $100,000 | $90,000 | $80,000 |
Most Rangers are bought for work, and that changes how the loan is best set up. If the ute is used more than half the time for business, a business loan such as a chattel mortgage usually fits better than a consumer car loan: you own the vehicle from day one, and a GST-registered business can generally claim the GST in the purchase price on its next BAS. On a Ranger listed at $37,130, that GST is about $3,375, rising to about $9,090 on the top variant. Confirm the tax position with your accountant before you sign.
See business car loans, how a chattel mortgage works, and low doc car loans for ABN holders.
Lenders finance used cars but limit how old a vehicle can be when the loan ends, so the model year affects the term you can get. Here is what earlier Rangers sell for, and how old each would be at the end of a 5- or 7-year loan.
| Model year | Used price range | Age at end of a 5-year loan | Age at end of a 7-year loan |
|---|---|---|---|
| 2023 | $28,160 to $78,650 | 8 years | 10 years |
| 2021 | $16,610 to $59,840 | 10 years | 12 years |
| 2018 | $10,670 to $65,780 | 13 years | 15 years |
Used prices are Glass’s pricing data via Carsguide and vary with kilometres, condition and variant. Read more about used car loans.
Set to the entry price of a new Ranger. Adjust the price, deposit, term, rate and balloon to see the repayments for the Ranger you want. Your actual rate depends on your credit profile and the lender.
$595.21 a month at 7.5% p.a.
Car loan rates range from under 6% to over 20% depending on your credit profile, and dealer finance is rarely the sharpest. Your Kreddi Score shows your approval odds and likely rate before you apply, so a decline never lands on your credit file.
Estimates use average lender assumptions and are not an offer of credit. Your actual position depends on which of our 130+ lenders assesses you.
A new Ford Ranger is listed from $37,130 to $99,990 for the 2026 range. With a 10% deposit you would borrow about $33,500 for the entry variant or $90,000 for the top variant, before on-road costs. The repayment calculator on this page shows what that costs each month at the rate you enter.
Yes. A 2023 Ford Ranger sells for about $28,160 to $78,650 used. Lenders also consider how old the car will be when the loan ends: a 2023 model would be 10 years old at the end of a 7-year loan, so an older Ranger may mean a shorter term.
Often, yes. Most lenders prefer 2 years of trading for business car finance, and some accept less with a deposit, prior industry experience or strong personal credit. A broker can match you to lenders whose policy fits how long your ABN has been active.
Often, yes. Many lenders offer no-deposit car loans to borrowers with steady income and a clean credit file. On a vehicle priced like the Ranger, a deposit or trade-in noticeably lowers the repayments, so it is worth using one if you can.
Answer a few quick questions to see how lenders will view you for a Ranger, then get a broker’s call back with real rates. No credit check.
Sources
Last reviewed 18 October 2026
NIK Finance Pty Ltd (ACN 685 393 917) is a Credit Representative (567387) of Finsure Finance & Insurance Pty Ltd (Australian Credit Licence 384704). This page is general information only and does not constitute financial advice. Consider your personal circumstances and speak with a licensed broker before applying for credit.