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Access to Affordable Low No Doc Car Loans
Securing affordable vehicle funding can be extremely difficult for operators that do not have all the financials to meet lender criteria. As specialists in commercial vehicle lending, we assist these operators with access to lenders that offer affordable funding without financials.
Applications may be approved based on minimal documentation, minimal trading period, turnover for a short period to all types of operators that hold an ABN. Our vast lender coverage especially with specialist non-bank lenders and our leverage in the lending sector, provides our clients with those vital credit channels to acquire funding to purchase motor vehicles for their enterprise.
This won't affect your credit score
Explore Low and No Doc Car Interest Rates
Compare Interest Rates on Low and No Doc Car Finance
Credit applications without financials do not always attract higher rates than for fully documented applications. Highly competitive rates and an overall workable outcome can be secured for many operators. To start preparing and planning a vehicle acquisition, use our current rates to compare financing products and different vehicles.
| Loan Product | Interest Rate | Monthly Repayment |
| {{Loan Product}} | {{From - Advertised Rate}} {{Rate Type}} |
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Disclaimer: The comparison rate displayed is calculated for a loan of $30,000 over 5 years. The results from this calculator should be used as an indication only. Quoted repayments are based on advertised rates and do not include lender fees and charges. Results do not represent either quotes or pre-qualifications for a loan. The specific details of your loan will be provided to you in your loan contract. It is advised that you speak with us so that we can provide you with advice that is tailored to your situation.
Today's best rate
Finance Equipment From
4.99 % Fixed
* The interest rate is calculated on a secured loan for commercial use, effective 16/02/2024 and subject to change. Warning: the interest rate is only true for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different interest rate.
Today's best rate
Finance Equipment From
4.99 % Fixed
* The interest rate is calculated on a secured loan for commercial use, effective 16/02/2024 and subject to change. Warning: the interest rate is only true for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different interest rate.
Understanding Low Doc and No Doc Car Financing
Low Doc and No Doc Car Finance Solutions - Explainer
These categories of motor vehicle funding are descriptions of the operator/application and are not specific types of credit. The description can apply to any operator that does not all or any of the financial documentation that is required for the standard credit application and to meet lender approval criteria.
The type of documentation can include annual accounts, BAS returns, tax returns, trading figures for in excess of 12-24 months, balance sheets and similar. An operation may be just commencing or have been operating for an insufficient timeframe to acquire such records. The operation may be a small, sole trader self-employed size, an SME or an even larger concern.
The distinctive between ‘low’ and ‘no’ is simply the quantity or quality of the material available to support the application. We encourage our clients to present as much material as they can prepare as we do have access to lenders that are in a position to approve applications based on 6 months of turnover figures.
Specialised Services - Get Approved Today!
Access Specialist Services to Secure Low Doc Car Finance
As not all banks and lenders are in a position to approve applications without financials, operators can have issues even finding which lenders will approve their application. We provide that access and a comprehensive service to source, negotiate and structure vehicle purchase credit for clients without financials.
We have accreditation with more than 80 lenders across the commercial lending market. We know the matrix that our lenders use to approve applications and using our smart technology, we quickly identify which lender best fits our client’s details.
That’s just the start of the comprehensive services we provide. As a full-service commercial broker company, we handle all the arrangements and discussions with lenders, structure the solution to meet client specifications and optimised for the latest tax benefits for vehicle acquisitions.
Access to our services is direct and without referral. Clients requiring credit to purchase motor vehicles can simply call or connect with us via our online resources from all parts of Australia.
- Australian owned and based company.
- 80+ lenders including low doc car finance lenders.
- Comprehensive, full service business vehicle finance broker.
- Individual solutions for no doc car loans.
Full Range of Financing Options
No Doc Car Loans with Full Selection of Finance Types
As lite doc and without financials refer to the application, approved operators can select from the complete portfolio of options available for funding motor vehicles. The same products can be used for new and used vehicles, utes, cab chassis, SUVs and passenger vehicles.
The products vary in regard to accounting measures including approach to balance sheet, GST and taxation. Clients are advised to discuss the options with their accountant to ensure the most workable solution is secured.
- Low Doc Chattel Mortgage Car Finance
- No Doc Leasing for Motor Vehicles
- Low No Doc Commercial Hire Purchase Car Finance
- Fixed interest rates, fixed terms, fixed repayment schedule.
- Balloon option for Low Doc Car Finance.
Simple Application Process Explained
How to Apply for Low No Doc Car Loans
Lenders will assess each application individually and make credit offers based on the information provided. Clients are strongly encouraged to prepare even simple accounts and prepare what figures and documents are available to support their applications.
Applications may be submitted via our online resources. But due to the special nature of lite doc credit, it can be advisable to submit an application over the phone so our brokers can assist with what information should be provided.
- ABN essential for No Doc Car Loans
- Low Doc Car Finance does not require GST registration.
- Turnover for the trading period should be provided.
- Business owner financials may be assessed.
- Personal guarantee or additional security may be requested, subject to lender decision.
Speedy Approval: Drive Away in No Time!
Get Fast Low Doc Car Loan Approval
Our services include processing applications with our lenders. With our direct, industry-level connections, we have the capabilities to get fast approvals even without financials. Many applicants will have an offer approved within 24 hours.
FAQs
Low No Doc Car Finance
Credit ‘without financials’ is not a separate type of funding but a description of the application. Once approved, applicants can select from the same products as fully documented applications.
Yes. Holding an ABN is the minimum requirement to be eligible for commercial funding.
A lite doc funding application must include an ABN, but GST registration is not essential. Applicants are encouraged to provide as much material as they have available in regard to the financials for the operation.
Yes. Vehicle Leasing without financials is one of the options available which also includes Chattel Mortgage and CHP.
Interest rates on all commercial vehicle funding is based on the lender assessment of the application. Lite doc funding can attract highly competitive rates. Rates are not always higher for lite doc applicants.
Yes. Being registered for GST is not a pre-requisite for commercial credit applications.
An applications without financials assumes no documentation is available. A lite doc application assumes at least some financials are provided.
The vehicle is the main security for funding without financials. Additional security may be required, subject to the lender’s assessment.
Yes. When approved for commercial credit, operators can realise the tax benefits relevant to the type of funding selected.
Some lenders will approve lite doc vehicle funding based on 6 months of training figures.
Yes. Applications for commercial vehicle funding can be submitted and approved before the vehicle is purchased.
Yes. Without financials funding assumes that no financial details are available. That would typically be the case for new start-up ventures.
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Trusted by 60+ lenders Australia-wide
Trusted by 60+ lenders Australia-wide
