Ford Ranger Finance 2022: Compare a Range of Loan Options

Ford Ranger finance comparison table

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Name	Interest Rate (p.a.)	Comp. Rate (p.a.)	Application Fee	Monthly Fee	Monthly Repayment
Simplify New Car Loan 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 $622.21	Go to site More Info Compare
IMB New Car Loan Fixed1 - 7 Years $2,000 - $125,000	Interest Rate (p.a.) 6.24%	Comp. Rate (p.a.) 6.59%	Application Fee $274.78	Monthly Fee $0	Monthly Repayment $619.01	Go to site More Info Compare	You'll receive a fixed rate of 6.24% p.a. A low minimum borrowing amount of $2,000 that you can use to purchase a new car or one that's up to two years old.
OurMoneyMarket New Car Loan ($5,000-$100,000) Fixed1 - 7 Years $5,000 - $100,000	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 $622.82	Go to site More Info Compare
Stratton Finance New Car Loan 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 $625.27	Go to site More Info Compare	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.
RACV New Car Loans 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 $635.67	Go to site More Info Compare	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.
loans.com.au - New/Demo - Variable Rate Variable3 - 7 Years $5,000 - $150,000	Interest Rate (p.a.) 6.24% to 7.39%	Comp. Rate (p.a.) 7.37% to 8.5%	Application Fee $400	Monthly Fee $8	Monthly Repayment $630.83	Go to site More Info Compare
OurMoneyMarket Used Car Loan ($5,000-$100,000) Fixed1 - 7 Years $5,000 - $100,000	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 $622.82	Go to site More Info Compare
Simplify Used Car Loan 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 $622.21	Go to site More Info Compare
Stratton Finance Used Car Loan 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 $625.27	Go to site More Info Compare	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.
loans.com.au - Variable Rate Used Car < 5 years Variable3 - 7 Years $5,000 - $150,000	Interest Rate (p.a.) 7.39% to 7.39%	Comp. Rate (p.a.) 8.52% to 8.64%	Application Fee $400	Monthly Fee $8	Monthly Repayment $641.54	Go to site More Info Compare
RACV Used Car Loans 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 $647.01	Go to site More Info Compare	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.
loans.com.au - Fixed Rate Used Car < 3 years Fixed3 - 7 Years $5,000 - $150,000	Interest Rate (p.a.) 7.59% to 8.79%	Comp. Rate (p.a.) 8.72% to 10.04%	Application Fee $400	Monthly Fee $8	Monthly Repayment $643.41	Go to site More Info Compare
Latitude Variable Rate Personal Loan Variable2 - 7 Years $5,000 -	Interest Rate (p.a.) 9.49% to 29.99%	Comp. Rate (p.a.) 10.37% to 30.69%	Application Fee $0	Monthly Fee $13	Monthly Repayment $653.57	Go to site More Info Compare	Special Finder offer: $395 establishment fee waived for approved personal loan applications submitted through Finder. Latitude may withdraw offer at any time. T&Cs apply.

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Want to know more about the Ford Ranger?

Read our detailed Ford Ranger comparison review, where we combined the findings of five motoring experts. Reading that will save you a lot of time. Our team has also driven the 2019 Ranger and the Raptor. If you're looking at a used Ford Ranger, we also have a 2017 MY comparison review.

Why the Ford Ranger?

What reasons can we give you to help you narrow down your ute selection?

- The Ford Ranger is very well reviewed.
- It's supposed to be great off-road.
- Value-wise it's also pretty good, not the cheapest, but with a solid level of equipment.
- It looks chunky and mean.
- That 2.0-litre engine is rather frugal, while packing a powerful punch.
- It's a competent alternative to the HiLux.
- It's popular.
- It's reportedly well constructed.

What to look for in a Ford Ranger loan

If you could design a perfect car loan, it would have the following features:

A low-interest rate
No application fees
No monthly fee
Affordable monthly repayments
Payment flexibility, for example, if you wanted to pay back extra one month

The more of the above that is true about a prospective loan, the closer you are to finding a competitive car loan.

How to compare car loans for the Ford Ranger

Many drivers will be buying the ute as a business or commercial vehicle. If that's the case for you, check our business car loan comparison guide.

If you're a private buyer, the next thing you need to think about is the types of finance on offer.

We help you compare secured and unsecured car loans. With a secured loan, the lender registers an interest in the vehicle. Consequently, if you fail to meet your repayments agreement, they'll legally be in a position to recover it. A secured car loan typically has the benefit of a lower rate of interest because of the security held against the loan.

Another factor to take into consideration, lenders often require the funds of a secured car loan be spent purely on the car purchase. If you need to borrow a bit more to cover things like insurance or other on-road costs, look at an unsecured car loan. These loans won't have as keen an interest rate, so you'll pay a little more over the loan term. However, there are fewer conditions attached to how you use the money.

Don't forget to weigh in application fees, early repayment charges and other costs. Those can quickly add-up!

What other Ford Ranger finance options are there?

As well as a secured car loan, you could finance a Ford Ranger using:

An unsecured car loan - This type of personal loan gives you the freedom to spend the borrowed money on other purchases unrelated to the Ford Ranger.
A novated lease - Ideal for employees, this type of finance may have tax benefits
A chattel mortgage - Ideal for Ford Ranger business buyers
Dealer finance - Dealer finance provided by your Ford dealer. This type of Ford Ranger finance often carries attractive interest rates, but maybe packaged with balloon/residual payments.

How to use the above car finance comparison tool

To see examples of Ford Ranger loans, enter the total you need to borrow and select the term in years. The longer the borrowing period, the lower the payments should be month to month. That can help make a Ranger match your budget. To do a quick mental calculation, the difference is more or less in line with the years of the loan, so a three-year loan will be roughly twice the monthly repayment of a seven-year agreement. Don't forget, the longer you take out a loan, the more you'll have to repay in interest.

Find loans puzzling? Don't worry, we've got your back. Our car loans guide breaks down the application process and jargon into every day, easy to comprehend English. You can thank us later!

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Written by

Ben Gribbin

Writer

Ben Gribbin is an automotive writer at Finder. He is a life-long car enthusiast, bringing many years of experience working with and writing about cars. During his time, Ben has been a freelance writer, editor and reviewer for a number of leading publications across the UK. He was voted the Guild of Motoring Writers Breakthrough Blogger in 2015. See full bio

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Ford Ranger Finance 2022

Compare Ford Ranger Finance options from a range of Australian lenders.