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Best ute off-road

See how the most popular utes compare off-road

In this series, we're comparing utes off-road. Previously, we've written about the best utes for tradies as well as the top all-round ute.

Here at Finder, we painstakingly compare ute reviews to determine the general findings of motoring experts on a vehicle. This saves you time and helps you understand the pros and cons of buying a particular pick-up. But what if, after reading our guides, you're still unsure about which ute to buy?

We've put together key off-road features and measurements of the most popular utes to see which is the most capable when the road ends and the less-travelled stuff starts.

What to look for in a 4x4 ute

When you need to travel over rough terrain, what should you look for in a ute?

  • High ground clearance. This is the distance between the lowest point of the vehicle (almost always the diff case) and the ground you're travelling on. The larger this gap, the easier it'll be to travel over heavily undulating terrain without catching the belly of your ute. When the ute grounds out, then you risk damaging critical mechanical components – not good if you're in the middle of nowhere. To offset a lower ground clearance, look for utes with bash/skid plates also called underbody protection. You can improve your ground clearance by fitting larger wheels/tyres to lift the body up, but if you go too far, the treads will start rubbing on the body when the suspension is compressed.
  • Bash plates. Ground clearance is important because it prevents you from getting stuck. Bash plates can also help reduce this by making your ute slide over rocks and other hard stuff. A good quality skid plate is generally made from thick steel, though some are aluminium. If you're venturing into really extreme off-road situations, you'll want to make sure your engine sump, gearbox, transfer case, diffs and fuel tank have some protection from rocks or branches jutting out of the ground.

Ute measurements and off-road metrics, picture is the VW Amarok

  • Approach/Departure/Ramp angles. If you imagine drawing a line from the centre of the bottom of the tyre to the lowest point of the outer bodywork/towbar, when measured this gives your off-road angles. Approach tells you how steep a gradient you can tackle travelling forwards without damaging your front-end; departure is the steepest incline you can transition off without catching anything. If you picture a peak as a triangle, the breakover or ramp angle is the sharpest point you can travel over without clipping the apex on part of the underside of your vehicle. Ideally, you want the approach and departure angle numbers to be higher (picture a 90-degree angle, the closer to this figure you get, the better), while a higher ramp angle rating means you can go over more aggressive pitches without trouble. Bear in mind, these numbers are for low-speed movements, if you travel into a slope at speed, your suspension will compress and you could bottom out. These critical measurements are governed by ground clearance, overhangs and wheelbase. So, in theory at least, if you go for a ute with a shorter wheelbase, lifted higher from the ground and with minimal overhangs, you'll fair better off-road. Fun fact, a stock Hummer H1 can have a go at a 72-degree gradient.
  • Overhangs. Generally, the shorter the overhang of your bodywork, measured from the centre line of your wheel to the outer extremity, the better. It means the bodywork and bumpers are lifted away from the terrain as much as possible, returning good approach and departure angles. If the car's components don't contact the ground, it lessens the chance of incurring damage.

A 90% road biased tyre, vs a 20% one, by Cooper Tires

  • Tyres. Tyres are very important when off-roading. The majority of utes sell with road tyres. These give better fuel economy, higher-speed ratings and make less noise. But when you go off-road, mud quickly gathers in the treads, making them almost perfectly smooth. As a result, grip will be diminished. To combat this, manufacturers produce all-terrain and mud tyres. Specifically designed to clear mud, thanks to larger gaps in the treads and with aggressive tyre blocks, a good quality all-terrain tread will give you better grip and keep you moving when the ground gets soft and mushy. The downside is they'll wear quicker, be noisy and also sometimes affect the braking distances and handling when on tarmac. If your chosen ute brand doesn't offer more aggressive tyres from the factory, it's not a big job to purchase a set of five (you'll want a matching spare) and have them swapped over onto your stock rims.
  • Snorkel/engine breather. These aren't just to make you look like you know what you're doing out in the bush, they protect your engine from accidentally sucking in a load of liquid or dust. If you plan on travelling through deep water or into dusty, arid environments, you'll definitely want a snorkel. A lot of the utes below have factory options, but for some, you'll need to go to an aftermarket parts supplier.
  • Winch. Winches are incredibly useful if you get stuck, need to move large objects that are blocking your way ahead or need to get a trapped vehicle out of the mud. You'll also need a solid winch bumper and a selection of straps, rated shackles, pulleys and gloves if you're going to use a winch. Recovery kits are available with these all kept in a neat bag. Be very careful when using a winch, if the cable or rope snaps, it can be deadly!

Ford Ranger with off-road equipment

  • Off-road bumpers. A bull bar is a good addition to an off-road ute as it gives you somewhere to attach spot lamps or fix a CB radio aerial. They can also deflect minor scrapes and dings as well as branches encroaching on your path. Some have integrated winch mounting locations as well as rated recovery/tow points.
  • Rugged interior. You want a hard-wearing interior in your ute, so ditch carpet which will quickly be destroyed by abrasive grit in thick mud and go for something removable and made from tough rubber or vinyl. Then you can lift out your interior mats and give them a hose down, ready for your next trip.
  • Electronic terrain modes. In the good old days, the driver was the one who manually operated the vehicle to get the best off-road performance. Nowadays, the driver receives assistance from a number of electronic systems such as hill descent control (where fitted), traction control and, on some utes, a terrain response system. If you're really serious about driving off-road, you'll want front and rear diff lockers to stop a wheel that's in the air from spinning and to keep you ploughing through sticky mud. A centre diff is even more useful, locking both axles together so they turn in unison.
  • Gearing and transmission. A low-range transfer box is a must. It allows you to change the effective gear ratios of your car, reducing them so that the speed you're travelling at is less for the same engine revs. This helps with slow-speed manoeuvres but also gives you more control and is advantageous whenever you might lose grip in 4WD high. A low ratio will give a driver more control on hill descents too, where you'll make the most of engine braking. Again, having extra gears (the Ford Ranger has ten gears on some models) helps maximise the command you have over your vehicle, squeezing the optimum from the engine and augmenting traction.
  • Suspension. Suspension plays a key role in a good off-roader. Long travel dampers help keep the wheels planted even when you get into cross-axle situations. Twin shocks cope with heat and corrugations better, lasting longer before they get wallowy. Independent suspension allows all four corners to conform to the ground underneath them. Soft suspension will be more comfortable off-road, while less flexible damping will see the body move around more when crossing gullies at an angle.
  • Lighting. Having extra spot lamps and light bars can mean the difference between being forced to park-up and camp as dusk sets in or having the ability to drive on into the night.
  • Equipment storage. Roof bars and racks are a great place to store things like bikes or even a roof tent and canopy. You can also stick your off-road jacks up there. Some off-roaders might feel comfortable putting extra fuel cans and spare tyres on the roof, though you'll need to make sure you're not unbalancing the ute and not exceeding the factory specified maximum weight. A rear canopy over the tub is great if you've got dogs you take off-roading since it stops them from jumping out and also extends the usable roof storage space.

A few words about off-roading

If you're an inexperienced off-road driver, you should consider taking a training course. It isn't just a case of point and shoot, poor technique will result in injuries or worse. Here are a few pointers to remember:

  • Keep your thumbs out of the wheel. People have had their thumbs broken by allowing them to sit inside the outer rim of the steering wheel. When the wheel hits a rock or follows a rut, it can violently spin the wheel and send you into a world of pain. Instead, place your thumbs on the outer edge of the wheel pointing up, then if the wheel turns abruptly, your thumbs will slide along the outer edge, clear of the inner spokes/boss.
  • Walk your line first. It's always wise to stop your vehicle safely and walk a route you want to take first. This way, you can look out for, and shift, any large rocks while plotting out a deliberate line to drive along. Ideally, you'd always travel in a convoy in case of mechanical failures. This way, there are others around to spot you as you travel over rough rocks and give directions. They can also help if you bury your ute in a thick slurry of mud.
  • Do not underestimate water. Fast flowing water is a killer. It doesn't take much water to sweep someone off their feet or to shift a heavy 4x4. Water can be deeper than you think and contain unseen objects. Where safely viable, you should inspect a water crossing and check the depth before committing to wading through it.

Toyota HiLux

Toyota HiLux ute

Overhangs (Front/rear)928mm/1,234mm
Ground clearance (worst model)~216mm (Rogue)
Wheelbase3,085mm
Nationwide dealers310
Towing capacityUp to 3,500kg (or 3,200kg for auto models)
Wading depth700mm
Fuel tank80 litres
Turning circleNot listed
SuspensionHeavy-duty suspension available with underbody package on Hi-Rider HiLuxs
Underbody shieldingYes, on Hi-Rider models
Rubber mattingVinyl floor covering available
Measurements: external (L, W, H)5,415mm x 1,885mm x 1,815mm
Wheel arch protectorsRugged, Rugged X
Rock slidersRugged, Rugged X
Recovery pointsRugged, Rugged X
SnorkelRugged, Rugged X
Reversing cameraPick-up models
Rear diff-lockSR models and upwards
Dual ratio transfer boxYes
Downhill assistPick-ups from the SR double-cab upwards
Terrain dialNo dial or button, but various separate systems
CommentsToyota has a huge number of dealers, which should reduce the distance new parts have to travel for crucial repairs. Also, an 80-litre fuel tank is impressive, giving you a decent off-road range before you have to dip into your jerry cans.

* Rugged and Rugged X models have 1,087mm and 1,082mm overhangs respectively

Ford Ranger

Ford Ranger 2019

Overhangs (Front/rear)1,000mm*/1,245mm
Ground clearance (worst model)~232mm (XLS), rest 237mm
Wheelbase3,220mm
Breakover angle24/25° depending on model
Approach angle28/29° depending on model
Departure angle21-28° depending on model
Nationwide dealers197 (as of 2014)
Towing capacityUp to 3,500kg
Wading depth800mm
Fuel tank80 litres
Turning circle12.7 metres
SuspensionRaptor model has performance suspension
Underbody shieldingRanger Raptor has bash plates
Rubber mattingOn XL Rangers
Measurements: external (L, W, H)5,382mm x 2,163mm x 1,815mm
Wheel arch protectorsOptional flares
Rock slidersAftermarket option
Recovery pointsAftermarket part available
SnorkelOptional accessory
Reversing cameraPick-up models
Rear diff-lockElectronic diff
Dual ratio transfer boxYes
Downhill assistYes
Terrain dialNo dial or button, but various separate systems
CommentsFord offers an optional CB radio with antenna kit, an LED light bar and a bull bar, among other things from the factory.

Mitsubishi Triton

Mitsubishi Triton 2019

Overhangs (Front/rear)Not listed/Not listed
Ground clearance (worst model)~205mm (GLX)
Wheelbase3,000mm
Breakover angle25° (some 24°)
Approach angle27.5°-31°
Departure angle22°-23°
Nationwide dealers200+
Towing capacityUp to 3,100kg
Wading depth500mm
Fuel tank75 litres
Turning circle11.8 metres
SuspensionSome have heavy-duty suspension
Underbody shieldingYes
Rubber mattingVinyl floor covering available
Measurements: external (L, W, H)5,305mm x 1,815mm x 1,780mm
Wheel arch protectorsAftermarket
Rock slidersAftermarket
Recovery pointsAftermarket
SnorkelAftermarket
Reversing cameraPick-up models
Rear diff-lockGLX+ and upwards
Dual ratio transfer box4x4 models
Downhill assistGLS Premium
Terrain dialSuper Select II
CommentsThe Triton has some unique features that make it on-paper a decent off-roader. Multi-around view could be useful when navigating tight gullies. A factory bull bar, LED light bar and all-terrain tyre option round out the equipment.

Holden Colorado

Holden Colorado

Overhangs (Front/rear)Not listed/Not listed
Ground clearance (worst model)~215mm
Wheelbase3,096mm
Breakover angle22.1°
Approach angle28.3°
Departure angle23.1°
Nationwide dealers207
Towing capacityUp to 3,500kg
Wading depth600mm
Fuel tank76 litres
Turning circle12.7 metres
SuspensionCoil spring, leaf spring rear (heavy-duty option as part of Xtreme pack on Z71)
Underbody shieldingAll models have sump guard, Z71 has stage 1 underbody protection. Farmer pack adds stage 1-3 bash plating.
Rubber mattingVinyl floor covering available
Measurements: external (L, W, H)5,362mm x 1,872mm x 1,800mm
Wheel arch protectorsLS-X models and up
Rock slidersAftermarket
Recovery pointsUp to 1,500kg
SnorkelFactory option
Reversing cameraYes
Rear diff-lockDuraGrip system with LSD
Dual ratio transfer box4x4 models
Downhill assistHill descent control
Terrain dialPart of Electronic Stability Control (ESC)
CommentsFactory packs quickly add up.

Nissan Navara

Nissan Navara ute double-csab

Overhangs (Front/rear)Not listed/Not listed
Ground clearance (worst model)~217mm (RX)
Wheelbase3,150mm
Nationwide dealers89
Towing capacityUp to 3,500kg
Wading depth600mm
Fuel tank80 litres
Turning circle11.8-12.4m (depending on iteration)
SuspensionDouble front wishbones, rear five-link suspension
Underbody shieldingAftermarket parts available
Rubber mattingVinyl floor covering available, rubber mats optional
Measurements: external (L, W, H)5,120mm (5,255 on some) x 1,850mm (not including mirrors) x 1,790mm
Wheel arch protectorsOn N-TREK Navaras
Rock slidersAftermarket
Recovery pointsAftermarket
SnorkelAftermarket
Reversing cameraAvailable on all pick-up models
Rear diff-lockLimited slip diff on 4WD models, electronic locking rear diff on SL, ST, ST-X
Dual ratio transfer boxOn 4x4 models, yes
Downhill assistST-X and up
Terrain dialNo dial or button, but various separate systems
Comments360° could be useful when off-roading for spotting branches, rocks and other damaging objects. 360° view can be affected by the add-on bumpers though.

Isuzu D-MAX

Isuzu D-Max

Overhangs (Front/rear)905mm/~Up to 1,295mm
Ground clearance (worst model)~225m
Wheelbase3,095mm
Nationwide dealers156
Towing capacityUp to 3,500kg
Wading depth800mm
Fuel tank76 litres
Turning circle12.6m
SuspensionDouble-wishbones front, leaf-springs on rear
Underbody shieldingFront steel bash plate, 4x4s have sump, transfer box plus fuel tank protection
Rubber mattingVinyl floor covering available, rubber mats as an accessory
Measurements: external (L, W, H)5,295mm x 1,860mm (not including mirrors) x 1,785mm
Wheel arch protectorsFender flares as a factory option (heavy-duty side rail factory option)
Rock slidersAftermarket
Recovery pointsFactory fitted rated tow hooks, up to 2,850kgs limit
SnorkelFactory option
Reversing cameraAvailable on all pick-up models
Rear diff-lockNo (Aftermarket airlocks for sale)
Dual ratio transfer boxOn 4x4 models, yes
Downhill assistYes
Terrain dialTerrain Command
CommentsIsuzu's optional side rail protection is unique among factory fitted options, apart from on the Toyota LandCruiser 70.

Toyota LandCruiser 70

Toyota LandCruiser 70 4x4

Overhangs (Front/rear)Not listed/Not listed
Ground clearance (worst model)~230mm
Wheelbase3,180mm
Breakover angleNot listed
Approach angleNot listed
Departure angleNot listed
Nationwide dealers310
Towing capacityUp to 3,500kg
Wading depth700mm
Fuel tank130 or 180 litres
Turning circle14.4 metres
SuspensionFront coil springs and radius arm, rear lead springs
Underbody shieldingAftermarket available
Rubber mattingOptional all-weather mats
Measurements: external (L, W, H)5,230mm x 1,870mm (not including mirrors) x up to 2,115mm
Wheel arch protectorsSome models have over fender flares
Rock slidersAftermarket
Recovery pointsAftermarket
SnorkelStandard
Reversing cameraAftermarket available
Rear diff-lockOptional on some
Dual ratio transfer boxYes
Downhill assistNo
Terrain dialHas Active Traction Control (A-TRAC) and Vehicle Stability Control (VSC)
CommentsSingle-cab models have a five-star ANCAP rating. Looks like an older vehicle, but boasts some of the more modern comforts. It's a stout and robust vehicle, with a crazy huge fuel tank.

Mazda BT-50

Mazda BT-50 ute

Overhangs (Front/rear)919mm/Up to 1,226mm
Ground clearance (worst model)~200mm (XT)
Wheelbase3,220mm
Breakover angle25° (some 24.4°)
Approach angle27.2°-28.2°
Departure angle26.4°-28.4°
Nationwide dealers134
Towing capacityUp to 3,500kg
Wading depth800mm
Fuel tank80 litres
Turning circle12.4 metres
SuspensionFront double-wishbones with coils, rear axle with leaf springs
Underbody shieldingYes, on 4x4 models
Rubber mattingVinyl floor covering, rubber mats available
Measurements: external (L, W, H)5,365mm-5,373mm x 1,850mm (not including mirrors) x 1,821mm
Wheel arch protectorsOptional (apart from on Boss model)
Rock slidersAftermarket
Recovery pointsAftermarket
SnorkelOptional accessory
Reversing cameraYes
Rear diff-lockLocking rear diff on Freestyle and up
Dual ratio transfer boxYes
Downhill assistYes, hill descent control (HDC)
Terrain dialVariety of systems
CommentsSome of the Mazda BT-50s have a locking rear diff, sat-nav with off-road maps and various other off-road potential boosting features. It's also cool to see the Boss adventure pack that brings various adventure kit like a bull bar and driving lights. The BT-50 shares a platform with the Ford Ranger.

VW Amarok

VW Amarok V6 ute

Overhangs (Front/rear)898mm/Up to 1,259mm
Ground clearance (worst model)~226mm (TDI400)
Wheelbase3,095mm
Breakover angle23°
Approach angle28°
Departure angle23.6°
Nationwide dealers106
Towing capacityUp to 3,000kg
Wading depth500mm
Fuel tank80 litres
Turning circle12.95 metres
SuspensionFront double-wishbones with coils, rear axle with leaf springs
Underbody shieldingYes, on 4x4 models
Rubber mattingRubber mats in cab
Measurements: external (L, W, H)5,254mm x 2,228mm x 1,834mm
Wheel arch protectorsOptional (apart from on Boss model)
Rock slidersAftermarket
Recovery pointsAftermarket
SnorkelAftermarket
Reversing cameraYes
Rear diff-lockElectronic and mechanical diff lock
Dual ratio transfer boxYes
Downhill assistYes, hill descent control (HDC)
Terrain dialOff-road mode
CommentsA well-reviewed 4WD system, underpinned by renowned German engineering. The gearing also seems very favourable for off-roading.

RAM 1500

RAM 1500 Laramie ute

Overhangs (Front/rear)905mm/~Up to 1,295mm
Ground clearance (worst model)~235m
Wheelbase3,569mm
Nationwide dealers52
Towing capacityUp to 4,500kg
Wading depthN/A
Fuel tank98 litres
Turning circle13.9m
SuspensionTwin shocks, double-wishbone at front, rear five-link with twin dampers
Underbody shieldingAftermarket available
Rubber mattingRubber floor covering
Measurements: external (L, W, H)5,817mm x 2,017mm (not including mirrors) x 1,917mm
Wheel arch protectorsAftermarket
Rock slidersAftermarket
Recovery pointsAftermarket
SnorkelAftermarket
Reversing cameraAvailable on Laramie
Rear diff-lockAnti-spin diff
Dual ratio transfer boxYes
Downhill assistNo
Terrain dialTraction control
CommentsThe Ram 1500 should handle gravel roads and mud, but it's a heavy and large beast.

Which ute is the best off-road?

From research, it would appear the three best-selling utes are also very competent off-road vehicles. The Ford Ranger is highly rated, thanks to its impressive wading capability, powerful yet frugal diesel engines and modern ten-speed box. The HiLux fares well too as does the Triton with its Super Select II terrain response system. The 70 Series LandCruiser is also rated highly and the Mazda BT-50 is based on the Ford Ranger, so it should be able to take care of itself off the bitumen. Car reviewers also favourably rated the Volkswagen Amarok, specifically the V6 model (some even say it is the best off-road).

At the end of the day, very few ute owners spend more than even half of their time off-road. You need to weigh how well the 4x4 copes with on-road, day-to-day travelling against its abilities off the paved road network. You also have to factor in things like value for money, fuel economy, passenger comfort, equipment levels and servicing fees. Remember, if you do a lot of travelling off-road, all manufacturers will consider this a harsh working environment and you'll need to service your ute more frequently, with shorter distance intervals.

One of the best things about owning a ute is if you want to improve its ability off-road, you can relatively easily modify it. Installing suspension lift kits, larger tyres, underbody protection and a winch will see you travelling to places you'd never think possible.

Compare some options to finance ute

1 - 15 of 15
Name Interest Rate (p.a.) Comp. Rate (p.a.) Application Fee Monthly Fee Monthly Repayment
OurMoneyMarket New Car Loan
OurMoneyMarket logo
Fixed1 - 7 Years $2,001 - $75,000
Interest Rate (p.a.)
6.57%
to 18.99%
Comp. Rate (p.a.)
7.19%
to 21.78%
Application Fee
$250
min.
Monthly Fee
$0
Monthly Repayment
Go to siteMore Info
loans.com.au - New - Variable Rate Special
loans.com.au logo
Variable3 - 7 Years $5,000 - $150,000
Interest Rate (p.a.)
6.24%
to 7.74%
Comp. Rate (p.a.)
7.36%
to 8.85%
Application Fee
$400
Monthly Fee
$8
Monthly Repayment
Go to siteMore Info
Stratton Finance New Car Loan
Stratton Finance logo
Fixed1 - 7 Years $10,000 - $300,000
Interest Rate (p.a.)
6.52%
to 18%
Comp. Rate (p.a.)
6.95%
to 23%
Application Fee
$395
Monthly Fee
$0
Monthly Repayment
Go to siteMore Info
You'll receive a fixed rate from 6.52% p.a. depending on the lender you are approved with.
Apply for up to $300,000 and use cash or trade in a vehicle to use as a deposit. Optional balloon payment available.
Verified Lending Used Car Loan
Verified Lending logo
Fixed1 - 7 Years $10,000 - $200,000
Interest Rate (p.a.)
7.1%
to 18.99%
Comp. Rate (p.a.)
8.06%
to 22.99%
Application Fee
$395
Monthly Fee
$0
Monthly Repayment
More Info
Simplify New Car Loan
Simplify Finance logo
Fixed1 - 7 Years $10,000 - $300,000
Interest Rate (p.a.)
6.19%
to 18%
Comp. Rate (p.a.)
6.6%
to 23%
Application Fee
$395
Monthly Fee
$0
Monthly Repayment
Go to siteMore Info
Credit Concierge New Car Loan
Credit Concierge logo
Fixed1 - 7 Years $10,000 - $100,000
Interest Rate (p.a.)
6.29%
to 16.45%
Comp. Rate (p.a.)
7.41%
to 17.91%
Application Fee
$553
Monthly Fee
$10
Monthly Repayment
Go to siteMore Info
RACV New Car Loans
RACV logo
Fixed1 - 7 Years $5,000 - $150,000
Interest Rate (p.a.)
7.29%
to 16.99%
Comp. Rate (p.a.)
8%
to 17.77%
Application Fee
$499
Monthly Fee
$0
Monthly Repayment
Go to siteMore Info
You'll receive a fixed rate from 7.29% p.a.
A larger loan of $5,000 or more to help you buy a new or used car. 5-hour pre approval available and no ongoing fees.
NRMA New Car Loan
NRMA logo
Fixed1 - 7 Years $5,000 - $130,000
Interest Rate (p.a.)
7.29%
to 16.99%
Comp. Rate (p.a.)
8%
to 17.77%
Application Fee
$499
Monthly Fee
$0
Monthly Repayment
More Info
Note: Take out a loan for an eligible electric vehicle and receive a 1.5% discount on your personalised interest rate (interest rates start from 5.79% p.a. and comparison rates from 6.49% p.a.)
Credit Concierge Used Car Loan
Credit Concierge logo
Fixed1 - 7 Years $10,000 - $1,000,000
Interest Rate (p.a.)
6.8%
to 17.45%
Comp. Rate (p.a.)
7.56%
to 18.91%
Application Fee
$553
Monthly Fee
$10
Monthly Repayment
Go to siteMore Info
OurMoneyMarket Used Car Loan - No Vehicle Age Limit
OurMoneyMarket logo
Fixed1 - 7 Years $2,001 - $75,000
Interest Rate (p.a.)
6.57%
to 18.99%
Comp. Rate (p.a.)
7.19%
to 21.78%
Application Fee
$250
min.
Monthly Fee
$0
Monthly Repayment
Go to siteMore Info
NRMA Used Car Loan
NRMA logo
Fixed1 - 7 Years $5,000 - $130,000
Interest Rate (p.a.)
8.49%
to 16.99%
Comp. Rate (p.a.)
9.21%
to 17.77%
Application Fee
$499
Monthly Fee
$0
Monthly Repayment
More Info
You'll receive a fixed rate from 8.49% p.a.
Finance a used car with NRMA and benefit from a fixed rate term and no monthly fees. Pre-approval available within 5 business hours.
Stratton Finance Used Car Loan
Stratton Finance logo
Fixed1 - 7 Years $10,000 - $300,000
Interest Rate (p.a.)
6.52%
to 18%
Comp. Rate (p.a.)
6.95%
to 23%
Application Fee
$395
Monthly Fee
$0
Monthly Repayment
Go to siteMore Info
You'll receive a fixed rate loan from 6.52% p.a. with a comparison rate of 6.95% p.a.
A used car loan of up to $300,000 with quick approval times and balloon payment options.
Simplify Used Car Loan
Simplify Finance logo
Fixed1 - 7 Years $10,000 - $300,000
Interest Rate (p.a.)
6.19%
to 18%
Comp. Rate (p.a.)
6.6%
to 23%
Application Fee
$395
Monthly Fee
$0
Monthly Repayment
Go to siteMore Info
loans.com.au - Variable Rate Used Car < 5 years
loans.com.au logo
Variable3 - 7 Years $5,000 - $150,000
Interest Rate (p.a.)
7.74%
to 7.74%
Comp. Rate (p.a.)
8.85%
to 8.99%
Application Fee
$400
Monthly Fee
$8
Monthly Repayment
Go to siteMore Info
RACV Used Car Loans
RACV logo
Fixed1 - 7 Years $5,000 - $150,000
Interest Rate (p.a.)
8.49%
to 16.99%
Comp. Rate (p.a.)
9.21%
to 17.77%
Application Fee
$499
Monthly Fee
$0
Monthly Repayment
Go to siteMore Info
You'll receive a fixed rate from 8.49% p.a.
Benefit from no ongoing fees, 5-hour approval and a 21-day satisfaction guarantee. Interest rate discounts for members.
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Compare car insurance side-by-side and get quotes

Name Product Roadside assistance Accidental damage Storm Choice of repairer Agreed or Market Value
Youi Comprehensive
Optional
Agreed or Market
Finder's summary: The 2023 winner of our Best Features Car Insurance award. Plus, it's one of the only insurers to automatically include roadside assistance.

Who it might be good for: Those who want good customer service with lots of inclusions.
Bingle Comprehensive
Market
Finder's summary: Our data shows it’s the cheapest comprehensive policy. It just covers the basics such as damage to your car, theft and storms – it doesn’t go in for add-ons and extras.

Who it might be good for: Those wanting a low-cost, no-frills policy.
Budget Direct Comprehensive
Optional
Optional
Agreed or Market
Finder's summary: The 2024 winner of our Best Value Car Insurance award. It's cheaper than most, plus you can lower costs by adding age restrictions.

⭐ Current offer: 15% off your first year's premium when you take out a policy online. T&Cs apply.

Who it might be good for: Anyone who wants a good value policy.
Qantas Comprehensive
Optional
Optional
Agreed or Market
Finder's summary: You need car insurance so why not get one that lets you earn Qantas Points? It's good value too (it's underwritten by the same insurer as Budget Direct).

⭐ Current offer: Earn up to 30,000 Qantas Points with every car insured by 30 September. Plus save 15% on your 1st year’s premium when you purchase online. T&Cs apply.

Who it might be good for: People who want more bang for their buck with Qantas Points.
Australia Post Comprehensive
Optional
Agreed or Market
Finder's summary: Covers a little more than other insurers. You don’t need to pay an excess for windscreen repairs and cover applies to anyone who uses your car.

⭐ Current offer: Get $75 off your first year's comprehensive car insurance premium when you buy online. T&Cs apply.

Who it might be good for: Multiple people using one car.
ROLLiN' Comprehensive
Agreed
Finder's summary: One of the most cost-effective insurers for under 25s, according to Finder research, with no aged-based excess.

Who it might be good for: Young drivers looking to keep costs down and anyone who’d like to get more flexibility from their car insurance.
QBE Comprehensive
Green Company
QBE Comprehensive
Optional
Agreed or Market
Finder's summary: Our best-rated Car Insurer for Customer Satisfaction in 2021/2022 and Green Insurer for the last 3 years.

⭐ Current offer: Save $75 when you purchase a new comprehensive policy online. T&Cs apply.

Who it might be good for: Those who want a trustworthy insurer and more cover than other brands, such as 3-year new car replacement (e.g. they'll give you money for a new car for up to 3 years if yours is written off).
Kogan Comprehensive
Optional
Agreed or Market
Finder's summary: Kogan comes with all the perks that most comprehensive car insurance policies include, but you'll also be entitled to some benefits from its online store. This usually comes in the form of a gift voucher or discount if you buy online.

⭐ Current offer: Get $80 off first year premiums when you purchase Kogan Comprehensive Car Insurance online + $10 monthly kogan.com credit. T&Cs apply.

Who it might be good for: Kogan shoppers and those after a good range of policy options.
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    Ben Gribbin is an experienced automotive writer and life-long car enthusiast with a passion for restoring classic vehicles. He brings many years of experience working with and writing about cars to Finder. See full bio

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