Some lenders require GST registration, especially for commercial vehicle finance over $50,000. However, we also work with lenders who cater to sole traders and micro-businesses not yet GST-registered.

Many of our lenders accept applications from ABN holders, even without full financials. If you’re self-employed or a sole trader, we’ll help you explore low-doc car loan options, where documents like bank statements, BAS, or an accountant’s letter can support your application.

To see a detailed breakdown of exactly what’s required for both personal and business car finance, read our full guide here: Comprehensive Article on Required Documents for Car Loans.

Our commercial car finance options cover both new and used vehicles — even those purchased through private sales. We handle PPSR checks and verify title and ownership so your business vehicle finance experience is safe and stress-free..

Balloon payments are a popular feature in vehicle finance for tradies and business owners, helping reduce monthly repayments. You pay a lump sum at the end, giving your business more cash flow flexibility.

A low-doc car loan is designed for self-employed borrowers or small business owners who don’t have up-to-date financial statements. You can use documents like BAS, bank statements, or even an accountant’s declaration to prove income instead.

Vehicle finance for tradies is one of the most common types of business loans we process. Whether you need a ute, van, or work truck, we’ll connect you with lenders who understand trade-specific finance needs, including tools-of-trade allowances and flexible structures.

Unlike personal loans, business car loans may come with tax advantages such as GST credits, interest deductions, and asset depreciation. They also allow access to balloon payments, flexible terms, and low-doc options for ABN holders.

Having bad credit doesn’t mean you’re out of options. Ausloans partners with over 40 lenders, including those who consider applicants with defaults, low scores, or limited credit history. We use our smart Zink software to match your credit profile with lenders most likely to approve your car loan — giving you a real chance to get back on the road.

Balloon payments let you reduce your monthly repayments by deferring a portion of the loan to the end of the term. While this lowers your regular instalments, you’ll need to pay a large lump sum at the end. It’s popular for businesses or those planning to upgrade vehicles. Ausloans can help you compare car loan options with and without balloon payments to suit your budget.

Beyond the interest rate, car loans can include setup fees, account-keeping charges, and sometimes early repayment penalties. Ausloans helps you understand the true cost by showing comparison rates, which factor in most fees and charges. We’ll help you avoid hidden costs by comparing real offers from Australia’s top lenders — all in one place.

There’s no single score that guarantees approval, but a higher score (650+) can unlock lower interest rates and more flexible terms. Ausloans works with lenders who cater to a range of credit profiles — including those with low or recovering scores. When you apply, our Zink platform matches your unique credit profile with suitable lenders without damaging your score.