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Why Payslips Aren’t Always Needed
Traditional lenders often rely on payslips to assess income. If you're a sole trader or subcontractor, you probably don’t have those. Instead, you invoice clients or receive irregular payments, which can make your income look unstable on paper. That’s where low-documentation loans come in. These are designed for people just like you.
What You’ll Need Instead
To apply for a car loan as an ABN holder, you’ll typically need:
- Your ABN and business registration details
- Business bank statements from the past few months
- Invoices or contracts that show incoming payments
Some lenders may also look at your BAS or basic tax returns, but many will focus on your bank activity and business health.
Finance Options That Work
ABN car loans and low-doc options are available through a range of lenders in Perth. These loans are tailored for self-employed workers, including tradies, freelancers and independent contractors. You can use them to finance a car, ute, van or even a trailer, anything your business needs to keep moving forward.
The Role of a Local Broker
Navigating finance can be tricky when you don’t fit the standard mould. That’s why a Perth-based finance broker is a smart choice. They know which lenders specialise in ABN loans and can guide you through the process step-by-step. From paperwork to lender negotiations, they’ll make sure your application is strong and suited to your business needs.
Start Driving Sooner
Just because you don’t have payslips doesn’t mean you're out of options. With the right finance advice, ABN holders in Perth can get vehicle loans that are fast, flexible and tailored to their situation. Speak with a local finance broker today and explore your options. You might be closer to your new vehicle than you think. Got questions? Contact us today!
