New or Old ABN – We Have No Doc Auto Loans for You.

Just 3 Months of Bank Statements. No Tax Returns, No Hassle.

Our 5-Star Google & Facebook Ratings reflect clients’ satisfaction, positioning us among Australia’s most trusted mortgage brokers!

Why VOXFIN Is an Excellent Choice for Low Doc Car Loans

No Tax Returns Required

Your bank statements are enough

ABN-Only Options

Limited trading history? We handle it

40+ Lenders

We find you the best rate

Same-Day Pre-Approvals

Faster decisions guaranteed

Self-Employed Specialists

Faster decisions guaranteed

New & Used Cars

Both dealer and private sale

What Are Low Doc Car Loans?

Low doc auto loans are designed for those Australians unable to provide traditional income documentation like tax returns or payslips. Instead, lenders assess their income using recent bank statements.

The low doc vehicle loan option gives you a realistic view of what you actually earn, not just what appears on documents. If you’re self-employed, run a business, or work as a contractor, this is an ideal finance solution for you.

Many self-employed people write off legitimate business expenses, reducing their taxable income. Banks looking only at tax returns miss the full picture. Low doc car finance solves this problem.

A Low Doc Car Loan Is for You If You

Run your own business or work as a contractor

Have an ABN but are unable to provide 2 years of tax returns

Show income through bank deposits rather than payslips

Have complex tax structures that reduce your declared income

Are recently self-employed (under 2 years trading)

Want to get pre-approved now?

Knocked back by a bank despite having a steady income profile? You have landed on the right page.

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Trusted by hundreds of Melbourne businesses for faster approvals, most competitive rates, and tax-smart structures. VOXFIN’s expertise in chattel mortgages and business vehicle finance means you get the right solution the first time.

Why Use a Broker for Low Doc Car Loans?

Because not all lenders offer low doc car finance. Those who offer low doc options in auto loans often have different criteria.

If you go to a bank directly, you are naturally left with a limited solution. Your bank might not even have a low doc product.

Here is when VOXFIN makes the difference.

We offer access to 40+ lenders, including specialists who focus on self-employed borrowers. We know which lenders are flexible with ABN-only applications, which lenders accept lower deposits, and which ones offer the best rates for your particular income situation.

What Makes VOXFIN Different?

Single application- multiple options.
We specialise in complex income situations – not just self-employed car loans, but the full range of non-standard income structures.
Whether you’re drawing income through trusts, dividends, or commission, we understand how to present your application.
We tell you exactly what your bank statements need to show, and how to present your income in the best light.

Found your perfect vehicle?

Don’t let paperwork slow down your drive!

Get Pre-Approved Now

What We Help You Finance with a Low Doc Car Loan?

New Cars

Latest models from any manufacturer, full warranty protection

Used Cars

Vehicles up to 12 years old, dealer or private sale

Work Utes & Vans

Light commercial vehicles for your business

Luxury Vehicles

European and prestige brands with specialist assessment

Most Common Borrowers of Low Doc Auto Loans at VOXFIN

Low doc car finance suits a wide range of self-employed Australians.

Self-Employed & Business Owners

Sole traders with ABN income

Tradies & Contractors

Sparkies, plumbers, builders, chippies

Company Directors

Drawing income through dividends or trust distributions

Commission Earners

Real estate agents, sales consultants

Startup Founders

New businesses without a full trading history

You have genuine income that does not show up neatly on a tax return. Fine. With VOXFIN, most applications get pre-approval within a window of 24 hours. We specialise in low doc car finance for Melbourne’s self-employed.

What Documents Do You Need to Apply?

3-6 months of business bank statements

ABN certificate or proof of self-employmen

Photo ID
(current driver’s licence)

Proof of address
(utility bill or bank statement)

Accountant’s letter confirming your income

Recent BAS statements

GST registration documents

Whether it’s a family car or one for small work,
we find the right lender for your situation.

Let’s get started today!

Call 03 7065 2000

How Low Doc Car Finance Works

Low doc car loans work for almost any vehicle purchase, whether you’re buying for personal use or business purposes.

What are the loan amounts?

Typically, $10,000 to $150,000+, depending on your income verification and the vehicle value. The better your bank statements look, the more you can borrow. Your bank statement is the key.

Our approach is streamlined, meaning faster approvals and less time gathering documents. Your bank statements tell the real story of your income, and that’s what lenders want to see.

Standard car loans need	Low doc car loans need
2+ years tax returns	3-6 months bank statements
Notice of assessments from the ATO	ABN registration (or proof of self-employment)
Detailed profit & loss statements	Driver’s licence and basic ID
Sometimes even business activity statements	Nothing else

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Frequently Asked Questions (FAQs)

Questions and queries related to Low-Doc Auto Loans

Are rates higher for low doc car loans?

Yes, slightly. Typically, the rates are 0.5-2% higher than standard car loans, which reflects the reduced documentation. However, at VOXFIN, you have access to 40+ lenders, and we compare rates across the market to find you the most competitive option available for your situation.

How much deposit do I need?

We usually recommend a 10-20% deposit to strengthen your application and secure better rates. That said, we work with lenders who offer low-deposit (and even no-deposit) options for applicants with strong, consistent bank statements.

Can I get approved even with a bad credit profile?

Potentially, yes. Low doc does not automatically solve credit issues, but some specialist lenders will consider applications from borrowers with past defaults or credit problems. This is the case especially when your current bank statements show that you are managing money well now.

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How long does approval take?

With us, pre-approvals often come through within 24 hours once we have your bank statements. Whereas, full approval and settlement typically take 2-5 business days.

Can I buy from a private seller?

Absolutely. Most low doc lenders accept private sales, though dealer purchases sometimes attract marginally better rates due to lower perceived risk. Either way, we help you find a suitable lender.

What Our Customers Say

Gurdeep Kumar at VOXFIN is a great professional and has deep financial knowledge. He helped me purchase my property under an SMSF. Gurdeep is an expert in SMSF property loans. As an investor, I know SMSF property loans are a lengthy process. From start to settlement, the process was well-informed. Highly recommend Gurdeep Kumar and it’s team at VOXFIN.

- Ketan Patel

Thanks to Gurdeep, He is an extra ordinary knowledgeable person with complete grip on ongoing market situations. I sought help from him and he has gone an extra mile.
Highly recommended.

- Haris Khan

VOXFIN is awesome! Gurdeep is super helpful and knows his stuff. He made the whole process simple and guided me step-by-step with great advice. He got me the lowest rate for my land and construction home in Brisbane. Highly recommend Gurdeep and VOXFIN for home loans and financial needs

- Maria Thomas

VOXFIN is the best! Gurdeep is friendly, knowledgeable, and made everything easy to understand. He got us an amazing rate for our land and construction home in Brisbane. Couldn’t have done it without him! Five stars all the way!

- Shino Varghese

Gurdeep at VOXFIN is fantastic! He helped me get a personal loan with the lowest interest rate, making the process smooth and stress-free. Gurdeep is quick, efficient, and highly professional. Highly recommend VOXFIN for personal loans in Melbourne!

- Aditya Mushnuri