BLAZEFINANCE
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Low Doc Options · 50+ Lenders · Australia-Wide

SELF-EMPLOYED & ABN CAR FINANCE.

Banks want two years of tax returns and a payslip. Many lenders on our panel assess self-employed and ABN holders differently — we'll find the ones that fit your situation.

Brodie Curmi Your car finance specialist

0418 991 087 Text us

Text any day, weekends included.

Hi, I'm Brodie. 4 quick questions and we'll text you a realistic repayment estimate within the hour (business hours). Estimate only, not an approval.

Step 1 of 4

What are you buying?
Rough price?
Employment
Your details
  • Enquiring won't affect your credit score
  • We never sell your details, so nobody else starts ringing you.
  • We're paid by the lender when your loan settles.

“You'll deal with us directly, from first call to settlement.”

What happens next: we'll text and email you straight away, then call within the hour in business hours. Nothing goes to a lender until you say go.

Brodie Curmi, Credit Representative 000576530 of LMG Broker Services Pty Ltd, Australian Credit Licence 000517192. Check our registration on ASIC Connect

Your details are sent securely to Blaze Finance and handled under our Privacy Policy. We don't sell your information. No obligation to proceed.

  • Sole traders & contractors
  • Company & partnership owners
  • Private sale purchases
  • One application, a panel of 50+ lenders
  • Vehicle and asset finance specialists — Australia-wide
  • 50+Lenders
  • 1Application
  • 0Obligation
Call 0418 991 087 Enquire Now Enquire Now Calculate Repayments
Straight to us — no call centre.
Calculate Repayments
Recently Financed

KEYS IN HAND.

  • A fleet of white Toyota HiAce vansFinanced
  • White Toyota HiLux dual cab outside a Toyota dealershipFinanced
  • Sign-written black and white Toyota HiAce vanFinanced
  • White Ford Ranger Wildtrak in a dealership showroomFinanced
  • Sign-written white Toyota HiAce vanFinanced
  • White Ford Ranger XLT dual cabFinanced
  • White Renault Trafic van beside a business signFinanced
  • Sign-written white Toyota HiAce van, side viewFinanced
  • Sign-written black Toyota HiAce van, rear viewFinanced
  • Financed
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Who It's For

WHO THIS IS FOR.

  • Sole traders
  • Contractors
  • Partnerships
  • Company (Pty Ltd) owners
  • Newer ABNs
  • People with irregular income
  • Private-sale buyers
Instead Of Payslips

WHAT LENDERS MAY LOOK AT INSTEAD OF PAYSLIPS.

Depending on the lender, self-employed income can be assessed using things like:

BAS statements
Business bank statements
An accountant's letter
ABN and GST registration history

What's needed depends on the lender and your situation. We'll tell you what's required before you apply.

Loan Types

CHATTEL MORTGAGE OR CONSUMER CAR LOAN?

Chattel mortgage

  • Usually for a car used mainly for business.
  • You (or your business) own the car from the start, and the lender holds security over it.
  • Common for sole traders, partnerships and companies.

Consumer car loan

  • For a car that's mainly for personal use.
  • Assessed on your personal circumstances, including self-employed income.
  • Covered by Australia's consumer credit laws.

Which one suits depends on how you'll use the car and your situation, and we'll talk it through with you. For tax and GST questions, speak to your accountant.

How It Works

FOUR STEPS. STRAIGHT TO SETTLEMENT.

01

Tell Us What You Need

Tell us what you're looking to finance.

02

We Assess

We assess your circumstances.

03

We Compare

We compare suitable finance options.

04

We Arrange

We help arrange your finance.

Repayment Calculator

WHAT COULD YOUR REPAYMENTS LOOK LIKE?

Get a quick estimate, then talk to us for your real numbers.

Estimated Repayments
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per week
$0
per fortnight
$0
per month
Financed amount$0
Balloon (end of term)$0
Total interest (est.)$0
Total repayable (est.)$0

Totals are based on monthly repayments and include any balloon.

Get My Real Numbers

Estimates use an example rate. Enquire now to get your personalised rate.

Calculator results are estimates only. Actual rates, fees, repayment amounts and approval outcomes depend on lender assessment, your circumstances, loan structure and supporting documentation.

Lender Panel

ACCESS TO A WIDE RANGE OF LENDERS.

We have access to a panel of 50+ lenders. The lenders shown below are a selection of those we work with for car finance.

Affordable Car Loans Alex Bank AMMF Angle Finance ANZ Azora Banjo BOQ Branded Financial Services Capital Finance Commonwealth Bank Dynamoney Latitude Earlypay FinanceOne Firstmac Flexicommercial Judo Bank Morris Finance Liberty Maple Medifin Finance Metro Finance Money3 MoneyMe Moneytech NAB Now Finance Pepper Money Plenti Resimac ScotPac Selfco Shift Wisr

Lender availability varies depending on finance type, application and lender criteria. This is not a complete list of every lender we can access, and inclusion here is not a guarantee of approval with that lender.

FAQ

SELF-EMPLOYED CAR FINANCE, ANSWERED.

It depends on the lender. Some prefer an ABN that has been registered for a while, and others will consider newer ABNs, sometimes with extra supporting information. Tell us how long you've had yours and we'll look for lenders that fit.
Depending on the lender, this can include BAS statements, business bank statements, an accountant's letter, and your ABN and GST registration history, rather than full tax returns. We'll tell you what's needed for your situation before you apply.
Yes. Private sale purchases can be financed, subject to lender criteria and vehicle checks.
Possibly. A decline from one lender doesn't mean every lender will see your application the same way, because lenders assess self-employed income differently. We'll look at your situation and compare options across our panel. Outcomes still depend on lender assessment and criteria.
Yes, companies can apply. Depending on the lender, directors may be asked to guarantee the loan. Let us know how your business is set up and we'll explain what's involved.
It might, depending on your business, the car's cost and how it's used. The rules are set by the government and administered by the ATO, so please speak to your accountant about whether it applies to you. We don't give tax advice.
Get Started

TALK TO BRODIE DIRECTLY.

Call 0418 991 087, or send your details through the form and we'll call you back.

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Text any day, weekends included.

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