Car finance designed for self-employed Australians
Secure your car loan with minimal paperwork. Perfect for self-employed, sole traders, and business owners who have an ABN. We compare 40+ specialist lenders who understand your situation.
How low doc car loans work
Low doc car loans accept alternative income proof like bank statements, BAS statements, or an accountant's letter instead of payslips. They're designed for self-employed individuals and business owners with an active ABN who don't have traditional employment documentation. The vehicle still acts as security, and you can access competitive rates comparable to full documentation loans.
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Minimal documentation
Prove your income with bank statements or accountant letters instead of payslips. No tax returns required.
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Self-employed friendly
Designed for sole traders, contractors, and business owners with non-traditional income streams.
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Fast decisions
Specialist lenders who understand self-employment can approve your loan quickly, often within 24 hours.
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Competitive rates
Access rates comparable to standard loans when you work with the right lender. Low doc doesn't mean high rates.
Who needs low doc car loans?
Low doc car loans are ideal for self-employed professionals, contractors, small business owners, freelancers, and sole traders who have irregular income or don't have traditional payslips. If you have an active ABN (typically for 6-12 months) and can show steady cash flow through bank statements or BAS reports, you can qualify for competitive car finance without the hassle of extensive paperwork.
Common documentation includes recent business bank statements (3-12 months), BAS reports, or an accountant's letter confirming your income. You'll also need proof of identity and residence. The vehicle must be used predominantly for business purposes, and most lenders prefer applicants with a good credit history.
Ready to get behind the wheel?
Start with a quick, no-obligation chat and we will let you know where you stand before lining up the best offers. Prefer to call? Reach us Monday to Friday, 7 am – 7 pm.