Rated 5-stars on Google
Personalised quote returned same day
Quote has no impact on your credit score
Our experts make getting the best loan simple





























Loans Approved
In Finance Secured
Rated 5-stars on Google
Going direct to a bank or dealership often means limited options, slower approvals, and unnecessary credit enquiries.
We make everything easier by:
Whether you’re upgrading to a newer model, buying a work-ready ute for your business, or financing a personal vehicle, we make the entire process simple. You get a ute loan that suits your needs — without the usual hassle.
What You Want
How We Make It Easy
A competitive rate without chasing lenders
We compare a wide panel of ute-friendly lenders and negotiate for you
A personalised quote that’s accurate
We assess your scenario upfront with no impact on your credit file
A quick, simple approval process
We handle the paperwork and guide you step-by-step
Clarity on loan type and structure
We explain the options in plain English and recommend what’s best
Fast approval so you don’t miss out on the ute you want
We work with lenders known for efficient turnarounds
Dual cab? Workhorse? New or used?
We source loan options from over 50 lenders.
Submit your docs and get approved — often same day.
Funds are released fast so you can collect your ute and get moving.
We offer terms from 1–7 years with balloon options and no early termination costs on select loan structures.
I had the pleasure of working with James at Rivercity Finance for financing some business equipment, and I couldn't be happier with the experience. After dealing with a few brokers, it was clear that James stood out as the best. He was knowledgeable, professional, and truly understood my needs. James took the time to explain the options available, ensuring I felt confident in my decisions. His responsiveness and dedication made the entire process seamless and stress-free. If you're looking for reliable finance solutions, I highly recommend reaching out to James at Rivercity Finance!
James was amazing to deal with! He was efficient, knowledgeable and made the entire car finance process stress-free. We were approved within a day, which was way faster than we expected with a great outcome. Highly recommend his services – thank you James!
Andy is amazing at what he does. He has helped me get the loan I required for my car so easily and quickly. He has been so easy to communicate with and has kept me updated on every step. He has explained every process that needed to be done in a way that was easy to understand. I would 100% recommend going with him if you want a simple and easy stress process.
Andy helped me with my latest vehicle purchase. And when i say he helped, he went above and beyond with sorting every last detail and process with purchasing a car. Even when i was dealing an extremely poorly run dealership, Andy was in my corner fighting for me. Best person I've dealt with in any form of business/finance and Allround awesome bloke.
Andy was a pleasure to work with and kept us updated at all times. Highly recommend!
I recently did my finance through River City Finance and had the pleasure of working with Matty Woods. He was professional, knowledgeable, and incredibly easy to deal with. He kept me updated every step of the way and made the whole process smooth and stress-free. I genuinely felt like he had my best interests at heart. Would highly recommend Matty and the team at River City Finance to anyone looking for reliable and honest financial help.”
I recently worked with Financial Advisor Andy Ruyl from Rivercity Finance to secure a car loan, and I couldn't be happier with the experience. He was incredibly easy to deal with—professional, friendly, and always approachable. His knowledge and expertise made the whole process smooth and stress-free. Everything was clearly explained in simple terms, which really helped me feel confident and informed throughout. Highly recommend to anyone looking for financial advice or loan assistance!
Outstanding service, nothing too much trouble! Questions and queries followed up and answered promptly and with respect. I have not purchased a car for a long time these guys made the experience a pleasant process rather than a chore!! Highly recommend!!
Great business to work with. Process made extremely easy with regular contact and a no pressure approach. Worked with me to get the car I wanted with and all the options I wanted. Will be first contact on future finance.
Andy is an absolute legend, helped me get my dream car with no stress or problems. Super easy to chat to.10/10 in my book. Absolutely recommending him to friends and family
Thank you Andy from River Finance for making the whole process fast and easy. Highly recommend and will definitely be back.
Was an absolute pleasure dealing with Andy in the purchase of 2020 Raptor. I had a quite complex situation and Andy was able to be the go between with myself and the dealer to successfully require my dream car . Would absolutely recommend anyone go see Rivercity.
Nothings too difficult for Andy, he went above and beyond. Very happy with all communications throughout the process. Would happily refer all friends and family his way.
Andy has 5 star reviews because Andy is amazing. I have never engaged with anyone during a financial process in my life, like Andy [and I'm over 50] . From the first phone call to the last text message on a Saturday morning asking about my my new car, it has been an extraordinary experience in the most positive way. This was such a quick easy and hassle free process. I never once had to chase him, he listened, has attention to detail, knows what he's doing and has a warm, engaging friendly personality. Sometimes I read reviews and I think that can't possibly be true about that person but it is with Andy. Even the sales executive at the dealership said he had never dealt with anyone as efficient and lovely as Andy. I thought that was very high praise indeed as the dealership would deal with banks and brokers from all over Australia. I will recommend him to everyone...and I think you'd be stupid not to use Andy!
Excellent service in comparison to multiple other broker’s I spoke to. The process was smooth and easy and I would highly recommend Andy and the Team. 👍🏽
We had an incredible experience with Andy, Very Genuine Guy! Helped us with a smooth process for a new business vehicle. His communication was excellent, keeping us informed every step of the way. He's an expert in his field 🙂 Worked out a great deal for us, he's a total pleasure to deal with. Highly recommended, Will reach out to him again for sure!
Exceptional Service from Andy at River City Finance! I can't thank Andy from River City Finance enough for the outstanding help he provided to my husband with securing his loan. From the start, his attention to detail was impeccable, and he went above and beyond to make the entire process as smooth as possible. His communication was superb, keeping us informed every step of the way. What typically is a stressful and overwhelming experience was made easy thanks to Andy's expertise and dedication. He truly streamlined the entire process and made sure we felt confident and well-supported throughout. My husband and I are beyond happy with the service we received—Andy really went the extra mile. Highly recommend River City Finance if you want a stress-free experience!
Andy Top bloke . Finance for a work vehicle made not just easy but enjoyable. Was able to have a laugh and general chat whilst staying professional . Never felt like a number more a friend Cant recommend enough if you need Finance Andy and his team are the way to go . Very informative gave all options different lenders not pushy at all . 100% any future finance will be heading to Rivercity Finance Thanks Andy
I had such a great experience with Andy guiding me and talking me through all of the details of my car loan. He got me the best deal, followed up with the car agency and the communication was on point all along. Plus, he also explained to me the reason being on interest fees and all other financial aspects that I have limited knowledge. I can't recommend Rivercity finance enough to anyone who is looking to get a loan, whatever the form.
Andy was fantastic. The whole experience was smooth and easy. The absolute best customer service. If you're looking for finance this is the best person for the job.
Thanks Andy for the easy process to purchase my new vehicle. Appreciate the personalised services that you offer!, fast response times and going the extra mile to get things completed! Highly recommended Aaron
I worked with Andy who helped me finance my first car. I am currently 21 and the thought of financing a car on my own was a huge commitment for me. I’m so grateful to Andy and the Stephen from Brisbane car yard . Andy was fantastic with processing everything for me, he was very efficient as well. I managed to get my car within a week of picking it , which was incredible. I highly recommend him to anyone and I am forever grateful for his wonderful service .
I Delt with Richard when buying my car thru brisbane car yard and he made the entire process easy and not stressful what so ever is communication was next level and got everything sorted for me in around my busy work life thank you Richard I will 100% be coming back to you for future loans
My wife and I just purchased a new car and did our finance through Rivercity. Richard was amazing and very professional throughout. He made the process so easy, and kept us updated along the way and we were super happy with the rates he got us. Thanks again Richard! Highly recommend.
Andy at River city was prompt and efficient dealing with my application. Took care of everything, but made sure I was kept in the loop every step of the way. He even went that little bit further, found a vehicle that suited me and got $2k knocked off the price. Definitely recommend.
Andy was absolutely fantastic! extremely helpful with any questions I had and kept me informed throughout the whole process. constantly ensuring that I knew what was going on. He went above and beyond, making the experience so much easier and stress-free throughout the entire process. Would 100% recommend!
Andy made this process comfortable an easy, I couldn’t be more satisfied. He was very professional and always answer my calls and questions, This was my second car he has helped me with. Highly recommended!
If you want someone that takes all the hassle out of getting a new car etc, well then see Andy 🙂 he goes above & beyond, to make the experience as easy as possible. He does absoultely everything, all the hard work so you don't have do, who really wants to do the bargaining with a dealer (I don't). He goes above & beyond & keeps you updated every step of the way, even on the weekends (when he should be having a break). Thanks so much 🙂 im loving my new car & I even let my husband drive it today on the way home. See you next time, Cheers Ronnie 🥰
Just secured my first business loan with the help of Andy. He was very professional, tentative and proactive, he made the whole process a breeze and even help find the car. I would like to say big thank you to Andy and would definitely recommend to everyone and be back for more services in coming years!!
Perfect service perfect communication fantastic interest rates. Highly recommended and will use again. Thanks Richard.
I had the pleasure of working with Andy to secure a personal loan, and I couldn’t be more satisfied with the experience. From the start, Andy was incredibly professional, knowledgeable, and attentive to my needs. He took the time to thoroughly explain my options and made the entire process smooth and stress-free. Andy was always available to answer any questions I had and made sure I felt comfortable every step of the way. Thanks to his expertise and dedication, I was able to secure the loan quickly and with favorable terms. I highly recommend Andy to anyone looking for a reliable and efficient broker!
Andy has been nothing but a dream to work with. Answed questions with patient polite and friendly service. Pushed through with urgency understanding the situation. Can't recommend enough.
Brilliant service, very responsive and very understanding of the clients needs
Andy was so awesome to deal with. He sorted our finance and locates a car for me. It was a hassle free one stop shop with Andy. Great service and an all round awesome guy. Thanks again man
excellent person to deal with , simple but helpful !!!
Would recommend extremely good support all the way though the process, very easy and fast, communication was excellent and was given updates constantly. Go with RiverCity Finance!
Matt has been a pleasure to deal with! Prompt Knowledgeable Helpful Highly recommend!
I highly recommend using RiverCity if you need to finance a new car. They were easy to work with and helped us secure the best deal for our company car. I've used them twice now and had a great experience both times.
These bloke are a breath of fresh air really no there stuff and get straight down to the business end off the deal really a joy to deal with promp service and constantly doing there best work for the customer thanks rivercity it’s a pleasure doing business with you guys
Had begun finance elsewhere until i came across Rivercity Finance. Andy immediately knew he could get our business a better deal which saved us thousands!! Fast, quick response. Excellent communication. Will definitely be return customers.
Andy is Very professional and really easy to deal with.got my loan approved fast and easy with him.
I dealt with Andy, he offers exceptional help and always returns messages and phone calls, there is no task too hard for him and deals with his customers as if he knows them personally. Definitely would recommend!
Came across this company through Google and the next morning after a 3 minute chat Andy Ruyl had got me a better rate then I could find after a lengthy search and sensed my excitement about the purchase and had everything laid out in front of me and kept me in the loop through every stage of the application....Top Job mate
Highly recommend Andy! Great communication and easy application process!
Dealing with Andy was an absolute breeze. It's awesome dealing with someone that actually wants to assist not just say they do Could not recommend him highly enough.
If i could give James 10 stars i would. Best broker, I have ever dealt with, and I would highly recommend him to anyone. Solid effort and painless as possible. Right onto things, doesn’t stuff you around and gets things done, always returns your calls. Can’t say the same for any other broker that I have ever use. Thanks mate.
Andy was a pleasure to deal with and very helpful and kind. He went above and beyond to get my car loan across the finish line. The whole process was smooth and communication open and honest from the start. I highly recommend Andy and Rivercity Finance. I am so grateful for all Andy’s hard work and will refer him at any time possible. Thank you.
Great and transparent service Andy was so good to deal with and made the whole process so easy and stress free
Look no further than Rivercity Finance! Andy took great care of me along the way to get a new ute. Andy got me a great deal and helped every step of the way and also helped me find a vehicle along the way! They definitely go the extra mile for their customers. If you’re looking for a top notch broker you’re at the right place. I’ll definitely be in touch when looking for other finance in the future. Thanks again!
Andy was very helpful and got everything sorted real quick. There was no stuffing around… recommend anyone looking for finance to reach out to Rivercity finance. Couldn’t be more happier!
Every business is different — and so are your finance needs. That’s why we offer a wide range of truck loan options, designed to give you flexibility, control, and the best outcome for your situation.
A chattel mortgage lets you own the ute outright while the lender takes a mortgage over the vehicle. It’s ideal for GST-registered businesses that want full control, with tax-deductible interest and depreciation.
The vehicle is yours from day one, and you can tailor the loan with a balloon payment or choose flexible terms up to 7 years. Perfect for tradies and small business owners who want to claim while they drive.
Hire purchase is a great fit for businesses that want to eventually own the ute but prefer to conserve cash now. You make fixed repayments and take ownership at the end of the term.
This option keeps things simple, especially for new or growing businesses. It’s commonly used by ABN holders who need reliable vehicles to run their operations.
Not ready to commit to ownership? A finance lease lets you use the vehicle while the lender retains legal ownership. At the end of the lease, you can buy the ute, refinance, or upgrade.
It’s a smart way to keep things flexible — especially if you expect to change vehicles regularly or want to keep monthly repayments lower.
For businesses that want to avoid depreciation or are managing a small fleet, an operating lease can make sense. You lease the ute for a set term, then return it or upgrade without the hassle of resale.
This structure is ideal for business owners who want predictable costs and new vehicles every few years.
If you don’t have full financials, that’s no problem. We offer low-doc ute loans that require just an ABN, GST registration, and some basic proof of income.
These are perfect for sole traders, start-ups, and contractors who need reliable wheels without the paperwork headache.
Already got a ute loan? We can help you refinance to get a better rate, release equity, or extend the term to reduce repayments.
Whether your credit profile has improved or you’re consolidating business debt, we’ll guide you through a better structure.
Utes are one of the most essential tools for Australian businesses. Whether it’s hauling gear, meeting clients, or handling rugged terrain, financing lets you upgrade or expand without tying up cash.
Plus, it keeps your business mobile while preserving capital for other investments.
We finance new and used utes, including:
Private sales? Dealer sales? No problem — we do both.
Speed things up by having:
We’ll do the rest — with most clients approved same day.
We’ve helped hundreds of tradies and business owners finance their utes. We understand the urgency, the tax perks, and the need to get behind the wheel quickly.
You’re not a number — you’re a partner.
Here are some of the questions we commonly get asked. Whatever your scenario, if you complete our quick quote form we will find the best finance solution and walk you through it
Yes — ute loans are available to businesses, sole traders, and ABN holders with GST registration.
Absolutely. Low-doc options are available with basic proof of income and active ABN.
Yes. We finance both new and used vehicles — including private sales.
Many clients are approved within 24 hours once docs are in. We keep it fast.
Interest, depreciation and GST can often be claimed. Check with your accountant for advice specific to your setup.
Yes. We’ll structure the loan to include a balloon if you want lower repayments or allow early payout flexibility.
Yes — we help clients refinance for better rates or terms all the time.
Not always. 100% finance is available with select lenders, depending on your credit profile.
Yes. We work with lenders who understand self-employed and small business clients that don’t always fit the bank’s criteria.
Yes. We can refer you to trusted dealers and may be able to help you access fleet pricing.
From tools to tradies, your ute keeps business moving. Let us help you finance it, fast.