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Low Doc Car loans For An ABN Holder

Are you an ABN holder who doesn’t earn a regular income.  Don't worry we've got access to specialist lenders waiting to help.

This won't impact your credit score
*T&C apply. Students and visitor visas not eligible

Car loan reviews from Ausloans customers just like you 

Read what real customers say about the Ausloans car loan experience, then continue below to learn the best way to secure finance for your dream vehicle. Our team are experts in auto finance and are here to help you get the best deal possible.

What is a low doc car loan? 

Everything you need to know about low doc car loans and how to get one

Low doc car loans explained 

A low doc car loan is a broad term used to describe a range of lender products designed to meet the needs of ABN holders who don’t earn a regular income.

Ideally suited to sole traders and businesses who struggle to provide traditional proof of income, low doc car loans do not require full financials. However, lenders will request detailed information regarding your business activities, assets, finances, and debts.

Got income proof problems? We can help

Since 2009 Ausloans has been helping Australian business owners overcome credit issues with lender products designed to get you behind the wheel of a car even when you have little proof of income.  

Our professional brokerage team understand the paperwork pain of sole traders, contractors and the like. We are experts in securing financing solutions for individuals and businesses who are challenged by proof of income requirements and have access to a large pool of specialist, low doc car loan lenders willing to help. 

How are low doc car loans different?

Low doc car loans are designed for Australian business owners who may find it hard to prove stable income over the last two years. These types of loans come with a range of borrower requirements and conditions that are different to traditional car loans. While each lender's low doc loan requirements differ, here are 6 common characteristics of a low doc car loan. Before deciding to apply, check the details below to see if this car financing solution is right for you. 

ABN Holders Only

Our Low Doc Car Loans options are only available to self-employed applicants and businesses with an ABN.

Less Documentation 

A Low Doc Car Loan means low documentation. This is a great option for applicants that find it hard to prove stable income over the previous two years.

Fixed Rates

The interest rate on your loan does not change over the life of your loan. Our industry-leading car loan technology matches your unique profile to the best pre-qualified lender rates from 40+ lenders in minutes.

Tax Benefits 

Low Doc Loans is a great way to offset your tax bill as repayments are often tax-deductible. 

Faster Approval

As low docs require less documentation, they are usually faster than consumer loans. Follow our simple application process and we can help you drive away in your new car in the next 24 hours.


Flexible Loan Options

We offer a variety of low doc loans to match your business needs. Check our loan options here.

Low doc car loans in 4 easy steps

Need a new car for work but don't have financials, then a low doc car loan could be your solution 



It takes only two minutes to make an online application. No lengthy questions. Apply now.


Easily upload documents directly from your phone or computer.

Get your
personalised rate


With our automated finance software ZINK, we match you with a lender and get you the best rate for your circumstances.




Get approved and drive away!

Low doc car loans | 6 tips to help get approved 

Our lenders understand that life sometimes throws you a curveball that impacts your credit score and ability to secure a car loan, but your financial past doesn't have to be a roadblock to future financing success. Here 6 tips to help you secure the finance you need. 

Register for GST as soon as possible

To qualify for a low doc car loan most lenders require you to have an ABN and be GST registered.  If you're not registered for GST do it as soon as possible. 

Separate your business and personal bank accounts

To help lenders understand your financial situation separate your business income from your personal income 

Choose a vehicle suitable for work

Lenders prefer you to purchase a newer car that will be used primarily for work purposes. A newer car is also preferred by the lender and your is more suitable for tax depreciation

A deposit can help

While not a prerequisite for obtaining a low doc car loan a deposit can really help you get approved.  Having a deposit of around 10% of the total value of the vehicle shows lenders that you are financially responsible and have the ability to save. 

Pay your loans on time - this is recorded on your credit file

Demonstrate good financial management and banking conduct by ensuring that your bills are paid on time without default. 

Avoid taking out payday loans as thee impact your chances of getting approved. 


Engage an accountant that can verify you're a registered business

In most cases lenders will require a letter of income verification and/or loan affordability from your accountant. 

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Popular Questions and Answers

Your Low Doc Loans Options

We offer a variety of low doc loans to match your business needs


 Leasing - Under this agreement, you use the car while the lender retains ownership. At the end of the term, you have the option to buy the car or trade it in for a newer model. 

Benefits of Leasing 

  • Tax-deductible for business owners. 
  • You can select flexible lease terms from 12 to 60 months.
  • You have the option to upgrade your car at the end of your lease term

Novated Leasing - This is perfect for businesses who want to provide a car for their employees. A novated lease is an agreement with you and your employer where the lease is paid by your employer and deducted from your pre-tax salary as part of a salary package.

Benefits of Novated Leasing

  • Income tax saving
  • You can select flexible lease terms from 12 to 60 months.
  • Ability to provide remuneration options to employees
  • The employer is not responsible for the vehicle if an employee leaves
Chattel Mortgage - A Chattel mortgage is much like a secured car loan for assets purchased for business use. The lender takes a ‘mortgage’ over the car as security for the loan. Once the repayments are completed at the end of the repayment term, you’ll own the vehicle outright.

Benefits of chattel mortgage 
ncome tax saving- - -
  • Low-interest rate possibilities as it is a secured loan. 
  • 100% finance options may apply.
  • Flexible lease terms from 12 to 84 months.
  • The potential to claim Input Tax Credits if you are registered for GST.

Hire Purchase - A hire purchase car loan is a way to finance buying a new or used car. You are normally required to pay a deposit and pay off the value of the car in monthly instalments, with the loan secured against the car. At the end of the agreed term, and all payments are made, the car becomes yours. 

Benefits of Hire Purchase 
  • ncome tax saving- - -100% financing options available, or 10% of the deposit. 
  • You can select flexible lease terms from 12 to 60 months.
  • Available on equipment, or new and used car purchases


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