Forsoletradersthebankcan'tseeclearly.
Low-doc car finance for self-employed Australians — ABN as young as 6 months, no 2 years of tax returns required, real broker on your file.
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Three reasons sole traders use a low-doc broker.
Banks need 2 years of clean tax returns. We don't.
Most major banks won't write a car loan for a sole trader without 2 years of NOAs and full financials. Our specialist non-bank panel writes ABN car loans with as little as 6 months of trading and bank statements in lieu of returns.
Low-doc means light-doc, not no-doc
Low-doc lenders ask for 3–6 months of business bank statements, a current BAS, an active ABN and a self-declaration. They write deals the bank can't because they're better at reading cash flow than balance sheets.
Sole trader, partnership, company or trust — all writable
We've placed deals for sole traders 6 months into a new ABN, partnerships replacing a lost vehicle, companies adding a second ute, and trusts buying assets through the trustee. Different structures need different lenders.
Loan basics.
Indicative shape for a typical low-doc ABN car loan. GST-registered ABNs over 12 months old see sharper rates; newer or non-GST ABNs see slightly higher rates.
- ABN minimum
- 6 months
- Indicative rate
- From 7.49%
- Max amount
- $200k+
- Decision time
- Same day
Who we finance on a low-doc ABN basis.
- Sole traders less than 2 years into a new ABN.
- Tradies, contractors and freelancers without 2 years of clean tax returns.
- Self-employed who've been told 'no' by a bank or rejected by a dealer's finance department.
- Small business owners adding a second or third vehicle to the operation.
We run files across the majors and the specialists.
Different lenders price different combinations of asset, term and credit profile — that's the whole point of running a panel.
- Affordable Car Loans
- Alex Bank
- AMMF
- Angle Finance
- ANZ
- Arch Finance
- Assetline Capital
- Azora Finance
- Banjo
- Bank of Melbourne
- Bendigo Bank
- Bizcap
- BOQ
- BOQ Specialist
- Branded Financial Services
- Capital Finance
- Commonwealth Bank
- Dynamoney
- Earlypay
- Finance One
- Firstmac
- FlexiCommercial
- Grow Finance
- ING
- Judo Bank
- La Trobe Financial
- Latitude
- Liberty
- Lumi
- Maple Finance
- Medfin
- Metro Finance
- Money3
- MoneyMe Autopay
- MoneyPlace
- Moneytech
- Morris Finance
- Moula
- NAB
- Now Finance
- OnDeck
- Pallas Capital
- Pepper Money
- Plenti
- Prospa
- Qualitas
- Resimac Asset Finance
- ScotPac
- Selfco
- Shift
- SocietyOne
- Suncorp
- Thinktank
- Westpac
- Wisr
Three steps from ABN to keys.
- 01
Tell us the file
ABN age, GST status, business turnover, intended vehicle. Sole trader, partnership, company or trust.
- 02
Match to a low-doc lender
Pepper Money, Liberty, FinanceOne, Money3, Now Finance and a handful of others write low-doc ABN car deals every day. We know who'll write yours.
- 03
Approval and settlement
Indicative answer same day, formal approval typically 24–72 hours for low-doc files, settlement direct to the dealer or seller.
9 months into a new electrical ABN. Bank wouldn't talk to me. Dealer offered finance at 14% conditional on a guarantor. Londy had me approved direct on Pepper at a much sharper rate, no guarantor, in 3 days.
Sample testimonial — replace with a real Google review before launch.
Common questions before you sign.
Can I get a car loan with an ABN registered less than 12 months ago?
Yes — though the lender list narrows. A 6-month-old ABN is workable on Pepper Money, Liberty, FinanceOne and several other non-banks. A 12-month-old ABN opens up more options. Under 6 months, we'd usually wait or use a guarantor structure.
Do I need to be GST-registered for a low-doc car loan?
Not always. GST-registered ABNs (annual turnover ~$75k+) get more lender options and slightly sharper rates. Non-GST-registered ABNs (under $75k turnover) are still writable but with a smaller lender list.
What documents will I need for a low-doc ABN car loan?
Typically: your active ABN and GST registration (or a self-declaration if not GST-registered), 3–6 months of business bank statements, a current BAS if registered, ID, and a self-declaration of income. Some lenders also want an accountant's letter; some don't.
Can I claim the GST on a car bought through my ABN?
If your business is GST-registered and the vehicle is used predominantly for business, generally yes. Talk to your accountant — there are specific rules around the luxury car tax threshold and the proportion of business use.
Is the rate higher on an ABN low-doc car loan than a regular car loan?
Slightly yes — typically 1–3 percentage points higher than a prime PAYG car loan. The trade-off is access to finance the bank wouldn't write. We'll quote both the rate and the all-in cost so you can see the trade-off.
Get a real rate from a real broker — back in minutes.
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