The Shark 6 is a plug-in hybrid dual cab: it drives on battery for the commute and on petrol when the battery is out, so the fuel bill drops without the range anxiety of a pure EV. That makes the total cost of ownership the honest way to judge it — the weekly repayment plus the fuel you no longer buy, not the sticker price on its own.
Running costs are part of the finance decision
A ute that does most of its weekly kilometres on cheap electricity changes what you can afford. If the fuel bill drops by fifty or sixty dollars a week, that money is available for the repayment, and a lender assessing your living expenses will see the same thing. It does not magically approve a deal that does not stack up, but it is a real part of the picture and worth raising rather than leaving out.
Plug-in hybrids and the lender panel
Some lenders still treat anything with a plug as an unknown on resale and price it accordingly; others have caught up and write it like any other new ute. That spread is exactly why the panel matters — one application across a panel of lenders finds the ones who are comfortable, instead of accepting the first answer from a lender who is not.
How we are different to walking into the dealer
The dealer's finance desk usually has one lender, or a couple, and is paid on the deal in front of them. We are a broker: one application goes across a panel, and the answer comes back from whoever actually fits your situation rather than whoever happens to be on the desk that day. If nobody fits yet, we say so and tell you what would change it — we do not dead-end you.
Get the finance before the car. A pre-approval gives you a ceiling and a rate, so you negotiate on the price of the BYD Shark 6 instead of on the repayment. It takes about 90 seconds with Tui and it does not touch your credit file.
Questions people actually ask
What does a BYD Shark 6 cost per week?
Our advertised figure is the cheapest dealer drive-away we can find, funded over five years at 8% p.a. with a 30% residual. It is indicative, not an offer — your rate depends on your credit profile, the deposit and the term you choose.
Do lenders treat a plug-in hybrid differently?
Some do. A few are still cautious on residual values for plug-in hybrids and price or structure accordingly, while others write them like any other new vehicle. It is one of the clearest cases for going across a panel rather than to a single lender.
Can I claim it through my business?
If it is a genuine work vehicle for a GST-registered business, a chattel mortgage generally lets you claim the GST up front and the interest as a deduction. A dual cab over one tonne payload also sits outside the ATO car limit. Check your own position with your accountant.
Is there a government rebate I should factor in?
Incentives for plug-in hybrids have been wound back in most states and the federal FBT exemption for PHEVs ended for new arrangements from 1 April 2025. Do not build your budget on a rebate without confirming it applies to you right now.
Buying it through the business? Commercial and equipment finance · ABN car finance
What can I actually get?
Tui gives you a real number on a BYD Shark 6 in about 90 seconds. No credit hit.
Start now