Running your own business in Perth means you're in control of your income, your hours and your goals. But when it comes to finance, especially for a new vehicle, not having payslips can make things harder than they should be. The good news is that there are lenders who understand self-employment and finance options designed specifically for ABN holders.

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!

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Nathan Hanna

Director

Nathan has 10 years experience as a finance broker, helping Australians find the right loan. Nathan will work with you to get your next asset or personal finance.