Low Doc Loan for Cars

Need a loan without all the paperwork? We’ve got you. Our low doc options are built for self-employed Aussies and business owners who want fast, simple approvals without needing to provide full financials.

Get Started

No impact on credit score

45+ Lenders Australia Wide

Obligation-Free Quotes

Why Choose Low Doc Car & Equipment Loans?

Simple Requirements

You can apply with just an ABN and a few basic details. No full tax returns needed.

Fast Processing

Quick application and fast turnaround to help you secure your vehicle or equipment sooner.

Made for the Self-Employed

Perfect for tradies, contractors, and business owners with limited paperwork or irregular income.

Access to Multiple Lenders

We work with multiple lenders who understand low doc finance and know how to make it work for you.

How Low Doc Car Loans Work at Finance Barn

Low doc loans make it easier for self-employed Aussies and business owners to get funding without needing to show full tax returns or detailed financials.

At Finance Barn, we help you access the funding you need with less paperwork and fewer hoops. Whether you’re buying a vehicle, upgrading gear, or expanding your business, we’ve got options to suit.

What You Can Expect From a Finance Barn Low Doc Loan

Competitive rates without full financials

Loans suited for business vehicles or equipment

No long waiting times

Available to ABN holders, contractors, Company, Partnerships and Trust

Fast approval with minimal paperwork

Suitable for most vehicle types and business assets

Am I Eligible for a Low Doc Loan?

You're likely eligible if you:

Hold an active ABN (6–12 months preferred)

Have basic proof of income (bank statements, BAS, etc.)

Are self-employed or run a small business

Need a vehicle or asset for business use

Have a clean credit history (not always required)

What Affects Low Doc Loan Options?

With low doc loans, your approval and loan terms depend on more than just numbers on paper. Even without full financials, there are ways to strengthen your application.

Here’s what lenders typically assess:

Credit Score

A stronger credit file helps improve your options

Repayment History

Consistent, on-time payments work in your favour

Property Ownership Status

Owning property can support your application, especially for larger loans

Vehicle/Asset Type

Newer vehicles or business equipment are often easier to finance

ABN & Business Stability

The age of your ABN and being GST registered can strengthen your case

Documentation Provided

Even basic paperwork like BAS, bank statements or invoices can help. In most cases even these are not required.

How Much Can I Borrow with a Low Doc Loan?

Depending on the lender and the type of asset, you may be able to borrow up to the full value of the vehicle or equipment. Some lenders also offer balloon options, which can help reduce your regular repayments and improve cash flow.