Buying from a dealer
Discuss the vehicle and an itemised dealer quote alongside your finance request.
Keep in mind: Check the total drive-away price, optional extras and sale conditions separately.
Explore this option →Car · A CLEARER STARTING POINT
ABN Holder Car Loan
Explore vehicle finance around how you run your business and the work your vehicle needs to do.
Explore the information first. Our team can help you understand the next step.
Your initial profile review won’t affect your credit score.
How credit checks work
The initial review does not involve a hard credit enquiry. If you choose to proceed, a formal credit application may involve a hard enquiry, which can affect your credit score.
YOUR CAR. YOUR STARTING LINE.
Where are you in your car journey?
Pick your stage for a practical checklist and a useful next step.
Plan the car around your budget.
Build a comfortable purchase budget before narrowing your search. We can explain the finance process and the information needed to explore your options.
- Allow for the purchase price, registration, insurance and ongoing running costs.
- Consider your deposit or trade-in and a repayment that fits your budget.
- Tell us whether the vehicle is for personal, business or rideshare use.
- Discuss the next steps before committing to a purchase.
THE ESSENTIALS
Your finance essentials.
Whether you are looking at a new purchase or your current vehicle finance, start with the vehicle, your goal and your preferred timing. We can discuss the information needed to review your request.
- Purpose
- Discussing a vehicle used in a business or self-employed work.
- How it works
- Explain the genuine intended use, business records and vehicle so the appropriate pathway can be reviewed.
- Security to understand
- Vehicle loans may use the vehicle as security. Ask what is secured and what can happen if repayments are missed.
- Costs to compare
- Compare the interest rate, applicable comparison rate, fees, term and total repayments. Ask about early payout charges.
A LITTLE MORE CLARITY
Your purchase path makes a difference.
These explanations help you understand the differences. They do not select a product for you.
Explore related funding structures
Buying privately
A private purchase needs seller, vehicle and payment arrangements reviewed.
Keep in mind: Confirm the seller, vehicle condition and registered security interests before paying.
Explore this option →Reviewing an existing loan
Compare the current payout and remaining costs with a proposed replacement loan.
Keep in mind: A lower repayment can reflect a longer term. Check the full cost and any balloon.
Explore this option →A situation you might recognise
ILLUSTRATIVE EXAMPLE
You need a ute for work and also use it personally, so the purpose and documentation need to be understood first.
The team would discuss the purpose, information available, costs and repayment obligations before any next step. This illustration is not a client story, offer or approval.
Before you decide
An ABN alone does not guarantee access to business finance. Confirm tax treatment with your accountant.
ASIC Moneysmart: car loans ↗GETTING READYA little preparation.
A little preparation.
A better conversation.
You don’t need to have every answer before contacting us. Start with your goal and our team will explain what information is needed.
For this particular request
ABN/entity details, intended personal and business use, available business records and a vehicle quote.
If you are employed
- Recent payslips and the details of your employment.
- Income statements and evidence of regular commitments, as requested.
If you work for yourself
- Available tax returns, accounts, BAS or business statements.
- How you pay yourself, seasonal changes and existing commitments.
These are conversation checklists, not the final application requirements. Our team will confirm the relevant records and periods.
What should I tell the team?
Your goal, preferred timing, and any circumstances you would like us to understand. Share sensitive documents only through a verified, approved process.
NO GUESSWORK REQUIRED.
Your questions, welcome.
Does having an ABN automatically make a car loan business finance?
No. The actual purpose, business use, borrower and proposed structure matter. Explain personal and work use accurately, and ask your accountant about tax treatment separately from the funding decision.
Is having an ABN enough to qualify?
An ABN alone is not approval. Explain how the vehicle will be used, how the business operates and what information is available to support the request.
Can I enquire if I am newly self-employed?
Yes. Tell us when you started trading and what income records you have. Available options depend on assessment; no minimum trading history is promised here.
What if the car is used for both work and personal trips?
Explain the intended use accurately. Ask your accountant about tax treatment and the team about the relevant finance requirements.
What rate and fees would apply to me?
These depend on the product and your individual assessment. Ask for the rate, fees, repayment schedule and total cost in the proposed terms before deciding.
Can I start with a quick question?
Yes. Choose the short enquiry to share your goal and contact details, or take the full application path if you have more time. The team can clarify what is needed next.
Still wondering about something?
Share a little about your plans, or complete the full application if you’re ready.
Choose how to get started →