Too busy running a business to chase up paperwork?
We’ve got a low doc car loan for that
5.67
%*
P.A.
COMPARISON RATE
23 Apr 2026
Get approved today.
We fetch your
best rate!
Our experts make
life simple.
You focus on your business. We’ll fetch the best rate on a low doc car loan
Get approved today. Drive away tomorrow!
We fetch your
best rate!
Our experts make
life simple.
One phone call. Every major lender. Best deal guaranteed.
Our popular low doc car loan solutions
Low-doc car loans are designed for entrepreneurs, contractors, freelancers, ABN holders, and self-employed people who have the income to support a loan but don’t yet have everything on paper.
OVER $550
MILLION
IN LOANS APPROVED
JENNY - FIDO FINANCE CUSTOMER
What is a low doc car loan?
You’re busy running a business, chasing invoices, and keeping the gears turning. The last thing you need is a bank manager asking for three years of tax returns to upgrade your work car.
A low doc (low documentation) car loan lets you apply for a loan with less paperwork than usual, so you’re not disadvantaged just because you don’t have traditional income documentation.
So whether you’re shopping for a brand-new car from a dealership or negotiating on a private sale, Fido Finance is here to get you behind the wheel as soon as possible.
Hardly any paperwork so you keep more of your valuable time.
Flexible terms that look past your fluctuating business revenue.
Fast loan turnarounds that take very little time to sort out.
GST and other tax breaks for ABN holders to support your business.
We can help
Receive unmatched support and knowledge from a low doc car loan specialist with no obligation or commitment. Put our panel of 30+ lenders to the test, whether you’re looking for a rate or just exploring your options.
OVER $550
MILLION
IN LOANS APPROVED
Six simple steps to signing your same-day low doc car loan
Supply a few details
Share your name, number
and email.
Chat to an expert
Quick 10 min chat to get to
know each other.
We fetch your best rate
We go out and work hard on
your behalf.
You approve your rate
Give us the thumbs up to go
ahead with your loan.
Sign your contract online
No messy paperwork or
scanning – just sign off online.
Hit the road
You could be funded and
on the road in 24 hours.
Who are low doc car loans for?
Fewer documents. Less waiting. More options.
Low-doc loans are perfect for qualified borrowers (ABN holders) with reliable income but who struggle to meet strict paperwork requirements, like up-to-date tax returns or regular payslips.
When you’re building a life by doing things your own way, we’ll help you find a loan that looks beyond the numbers.
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Low doc car loans for
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Self-employed business owners
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Freelancers and contractors
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New businesses / start-ups
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If you don’t work a traditional 9-to-5, your income is often seasonal, irregular, or tied up in the business. We get it. And our panel of 30+ lenders get it too.
OVER $550
MILLION
IN LOANS APPROVED
Documentation checklist
Low-doc loans offer quick approval and funding, so you can focus on running your business.
Documentation requirements vary between lenders, but here’s a general list to consider…
HERE’S WHAT YOU’LL NEED
100 points of identification (proof of ID)
Letter from an accountant verifying your business income OR a signed income declaration
Bank statements from your business for the last 3 months OR Business Activity Statement (BAS) if your business is registered for GST
ABN or CAN registration certificate
Low doc vs. no doc: what’s the difference?
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Low doc loans
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No doc loans
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Low doc loans are for when you can provide some evidence of income. Think BAS statements, an accountant's letter, or recent business bank statements.
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No doc loans are for when you have almost zero financial evidence available. Since the lender's risk is higher, the interest rates you get usually reflect that.
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Is a low doc car loan right for you?
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Low doc car loan
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Standard bank loan
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Documentation
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Low: BAS or bank statements
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High: full tax returns or P&L statements
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Approval speed
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Fast: often 24-48 hours
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Slow: can take weeks
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Ideal for
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Self-employed, contractors, ABN holders
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Full-time PAYG employees
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Flexibility
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High: Structured for business cash flow
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Low: Rigid big bank rules and criteria
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OVER $550
MILLION
IN LOANS APPROVED
Contact us today to get the lowest rate possible
Receive unmatched support and knowledge from a finance expert – with no obligation or commitment. Put our panel of 30+ lenders to the test whether you’re looking for a rate that works for you or just looking to explore your options.
No commitment. Serious business-building potential.
Trusted by 1,000s of car owners for over 5 years
What sets us apart:
30+ trusted lending partners
100% Australian-based team
Over $550 million in loans approved
5.0/5 average customer rating on ProductReview.com.au!
Most approvals within 24 hours
Voted best in car loans four years running: 2023, 2024, 2025, 2026
Frequently asked questions
What is a low doc car loan?
A low-doc car loan is designed for self-employed individuals, contractors, and small business owners. If you have the income to support a loan but don’t have a mountain of traditional paperwork, like 2 years of audited tax returns, low-doc loans are your pathway. You can use alternative proof of income, such as BAS statements or business bank accounts, to secure a competitive rate.
What documents are required for a low doc car loan?
Generally, the three crucial requirements are your ABN (usually active for 12+ months), your driver’s licence for ID, and an income declaration. Depending on the lender, this could be your recent Business Activity Statements (BAS), business bank statements, or a simple letter from your accountant confirming your earnings.
Which type of vehicles can be purchased with a low doc car loan?
Almost anything that’s primarily used for your business, including brand-new showroom vehicles, reliable second-hand purchases, or even dedicated off-road 4x4s if they serve a business purpose. Whether you’re buying from a licensed dealer or a private seller, we can help you find a low-doc structure that suits the vehicle.
What will my monthly repayments be?
In a nutshell, this depends. Your repayments depend on the loan amount, the term you choose (usually 1 to 7 years), and your specific business profile. Our goal is to find your perfect middle ground with repayments that fit comfortably within your business cash flow, even during slower months.
What’s the difference between a secured and an unsecured car loan?
A secured loan uses the vehicle you’re buying as security for the debt. Because there’s less risk for the lender, they usually offer lower interest rates. An unsecured loan doesn’t require the car as collateral, which offers more flexibility, but you’ll typically pay a higher interest rate to cover the lender’s increased risk.
Do I need a deposit to secure a low doc car loan?
You don’t need a deposit to secure a low-doc loan, but having one can help lower your monthly repayments and reduce the total interest you pay. A deposit also helps you avoid negative equity, so you owe less than the car is worth if you decide to trade up. But don’t stress if you don’t have any cash saved for a deposit, our award-winning team can still help find the loan that’s right for you.
Looking for a car loan but don’t have traditional proof of income?
Fido Finance can get you on the road.
