Private sales are finance-able, the lender just needs extra checks such as PPSR, valuation and condition verification to ensure the vehicle is legitimate, unencumbered, and accurately priced. Ausloans handles these steps for you, so you’re not chasing paperwork or trying to interpret compliance yourself.

Because RAMs are often used for work, towing, and commercial jobs, many lenders are comfortable approving them under business use. Eligibility and rate outcomes depend on income stability, ABN trading history, and how strongly the vehicle fits the “business use” justification. Ausloans maps your details against lenders most likely to approve ABN vehicles rather than consumer-only lenders.

RAMs sold officially in Australia aren’t automatically priced higher for finance compared to mainstream dual-cab utes — most lenders treat them like any other vehicle within their normal light commercial category. The only time rates can shift is when the RAM is an imported spec or non-standard variant, where valuation and risk modelling differs due to sourcing and compliance. That’s where having multiple lenders on the table helps — because some lenders are more comfortable with imported configurations than others.

You can get pre-approval for a RAM 1500, 2500, 3500 or TRX before you commit to a purchase. Pre-approval gives you a clear spending range and rate expectation, so you know exactly what you can afford — before you negotiate with a dealership or private seller.

With Ausloans, the pre-check process also narrows down which lenders are most likely to approve your profile, which means less wasted time and more confidence when you’re shopping for the right ute.

Approvals will depend on severity, recency, and type of negative credit impacts — plus ability to service the loan. Ausloans works with lenders who participate in non-prime segments, but pricing reflects risk. The benefit of multi-lender is you’re not relying on the single most conservative bank in the room.

Ausloans instantly compares lenders who facilitate good, average, and bad credit applicants. A 3 minute pre-check does not impact your credit score and is no obligation.