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Accessible and essential car loans

Low Doc Loan

Low Doc Loans

In today’s society, everyone needs a car to get around. However, many traditional lenders make it hard for self-employed individuals to obtain a car loan due to the masses of paperwork involved. What’s more, these self-employed individuals are often the ones who most depend on their vehicles for work purposes!

Car Finance 4 You offers low-doc loans to Melbourne’s self-employed individuals who may not have the bank statements, tax returns, and other financial documents required by many other lenders. These low-doc loans for self-employed Melbournians allow you to obtain the vehicle you require, when you require, without a lengthy application process.

Low doc loans

All you need to know

Low-doc loans are a type of car loan for businesses or self-employed individuals who are ABN holders. While the vehicle purchased can be used for purposes other than business, it should primarily be used for business. Low doc loans make for ideal self-employed car finance in Melbourne owing to the need for minimal documentation. This way, any business or self-employed individual can easily finance their vehicle.

What is an ABN Vehicle Loan?

An ABN vehicle loan is a type of financing specifically designed for businesses with an Australian Business Number (ABN). These loans consider your business income and expenses instead of your salary.

Benefits of ABN Vehicle Loans:

  • Competitive Rates: ABN loan lenders often offer rates comparable to regular car loans.
  • Tax Advantages: Using a business loan for a business vehicle can potentially provide tax deductions on loan interest and depreciation of the vehicle.
  • Flexible Repayment Options: Choose a repayment term that fits your business cash flow.
  • Low-Doc Options: Some lenders offer low-document verification options for businesses with irregular income.

How is it Different from a Regular Car Loan?

While similar in structure to a regular car loan, ABN loans cater to the specific needs of businesses. Here is what sets them apart:

  • Documentation: Lenders might ask for business financial statements instead of payslips.
  • Focus: The car must be used primarily for business purposes (usually over 50%).

Is a low-doc loan the right choice for you?

The benefits of ABN car finance in Melbourne

  • With a low-doc loan, you can enjoy low-interest rates
  • Minimal Paperwork
  • You can avail of long-term loans
  • ABN car loans may allow tax deductions

Prime Benefits of No-Docs Car Loans

  • Quick approval procedure-

    We at Car Finance 4 You have a streamlined process for no-doc car loans in Melbourne. This makes it easy for you to get your loan approved without any delay or hassle. This is especially easy for individuals who wish to purchase a car without delay.

  • Minimal documentation-

    As the name suggests, no-doc car loans require minimal documentation, which reduces the burden on borrowers to deliver extensive financial paperwork. Also, this makes the application procedure easier and accessible for those who might not have a consistent or well-documented income, like new ABN holders or self-employed individuals.

  • Flexibility in income verification

    No doc loans are more flexible in terms of income verification. They cater to individuals having non-traditional income sources and those with variable income levels, like small business owners or freelancers.

  • Tailored repayment terms-

    Lenders offering No Doc car loans often provide flexibility in repayment terms, allowing borrowers to choose a plan that aligns with their financial situation. This customisation can make it easier for borrowers to manage their loan repayments based on their income and financial goals.

  • Accessibility for self-employed individuals-

    Self-employed individuals, who do not have conventional employment records, might find No Doc car loans in Melbourne more accessible. These loans are offered after recognising the unique financial situations of small business owners or entrepreneurs.

  • Competitive rate of interest-

    At Car Finance 4 You, we offer competitive interest rates on no-doc car loans in Melbourne, making them a feasible option for individuals who are looking for affordability in their auto financing.

Provision for New ABN Holders-

At Car Finance 4 You, we cater to ABN holders who might face challenges in providing extensive financial records due to newly established businesses. This provides them with a provision to avail of secure financing for their vehicles without the requirement of extensive financial paperwork.

So, if you are someone who is looking for a No Doc car loan in Melbourne, then we are here to help! You can apply for a loan online or reach out to us for assistance.

Is being self-employed holding you back from the car loan you need?

Melbourne Best Loan Option For The Self Employed

Our loans for self-employed Melbournians open up a world of possibilities without the hassle of paperwork and documentation. We only need a few key pieces of information from you, so kick-start the process by applying online or calling us!

New ABN Holders Accepted

Have you just obtained a new ABN to get your business underway? A new business often means new transport and travel requirements, with many new ABN holders therefore requiring a car loan. Car Finance 4 You specialise in car loans for new ABN holders, opening up a world of possibilities for Melbournians who are just establishing their business and requiring the appropriate vehicle to do so. With us, car loans for ABN holders – whether new or old is easier than ever!

Car Finance 4 You offer convenient ABN car finance in Melbourne, depending on your needs. Apply online or call us today on 1300 862 775 to discover which one of our low-doc loans for Melbourne residents may be appropriate for you.

Our clients from all across Melbourne, Victoria including from areas like Morwell, Shepperton, Traralgon, Wangaratta, Bayswater North, Croydon, Goulburn Valley, Heathmont, Kilsyth SouthLilydaleRingwood, Warragul, Warranwood, Wodonga, YarrawongaCarrum Downs, Craigieburn, Cranbourne, Doreen, Dromana, Epping, Frankston, Mernda, Mornington, Mount Eliza, Mount Martha, Safety Beach, South Morang, Echuca, Geelong & more, they trust us for our knowledge on credit loans. Quick & Low-Interest Loans. Contact us today at 1300 862 775.

Area We Serve

Melbourne, Adelaide, Brisbane, Perth



Frequently Asked Questions



Often getting a car loan becomes difficult due to all the documents and paperwork required for loan approval. This is a struggle for self-employed individuals who may not be able to produce bank statements, tax returns, income proof, etc.

With low doc loans, self-employed individuals can obtain car finance without the need for all of the documents. Essentially, the loan is available with low documentation and without lengthy application procedures.

Self-employed car finance in Melbourne is easy with Car Finance offering low doc loans. With an ABN car finance, you can avail loans at low interest rates, have your application processed without mounds of documents, and get long-term loans with ease.

A low doc car loan is financing without excessive documentation required. For those who are self-employed or run a business, low doc loans are a proven boon. All you need to do is simply apply for the loan online and provide minimal information that could help us understand your needs better.

A low doc loan comes with multiple benefits, some of which include

- No lengthy documentation process

-Loans offered at low interest rates

-Long-term loans availed at ease

A low doc loan requires very minimal documentation that is essential in understanding your requirements. You may have to share your trading bank statements for the past 6 months and a confirmation for the stated income. Our team at Car Finance 4 You can acquaint you with the criteria for a low doc loan and inform you of the documents that will be asked of you.

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