Self Employed Car Finance

Car Finance for the Self Employed. No worries, we've got you covered!

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Self Employed Car Loans we know how

Transport to your next job can be make or break for someone self employed, when it comes time to upgrade, getting a business car loan approved can be just as crucial. We know it’s a massive step to start working for yourself which is why we’re determined to help find your next work vehicle and secure a quick approval.

Whether you’ve been in business for years or you’ve just obtained a new ABN, we offer car finance options tailored to the self-employed, designed to suit your specific business purposes. We take the time to understand your requirements and secure the best loan terms to make your car loan repayments manageable.

The reason we don’t shy away from helping self employed borrowers, unlike most dealers, is we work very closely with the lending specialists team at Anyfin Car Loans. They have access to over 35 lenders and specialise in finding standard car loans and consumer loan options with competitive interest rates, ensuring your car purchase is backed by great value vehicle finance where others can’t.

It won’t be hard to find a new car or used car that suits you and your business because we have a wide range of different vehicles. 

Whether you’re a sole trader, company director, or have a Trust, we can cater for any  business owner.We understand that not every business owner has up to date financials and proof of income, that’s why we strive to simplify the process and reduce as much paperwork as possible and achieve low monthly repayments. The one thing all of our vehicles have in common is quality; they all go through our lengthy inspection process before we decide they’re good enough to retail.

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What types of Self Employed Car Finance are available?

One of the many benefits of financing a car through an experienced broker is that they have years of experience finding the right loan product, including typical car loan options or traditional loans, from the right lender for each customer. Anyfin Car Loans has access to a large list of lenders, including some that specialise in financing self employed people and even when they’ve only just started in many cases.

Eligible types of Self Employed Car Finance –

  • Secured Car Loans
  • Secured Personal Loans
  • Personal Loans with fixed or variable interest rates
  • Lease agreements that can be tax deductible
  • Commercial Finance with competitive ongoing fees

Which one is best is different for each individual which is why the team will spend the time learning about your financial information, eligibility criteria, and business loan needs to find the right option for you. In most cases, you might even have a few different ones to choose from, each with a clear repayment schedule and loan term tailored to your purchase price.

You can even visit our dealership to check out our wide selection of cars available for purchase. Let us help you get a car loan so you can get behind the wheel of your dream car!

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Apply for a Self Employed Car Loan

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Frequently Asked Questions

Can I get a car loan with my ABN?

Yes, ABN holders can secure car loans specifically tailored for business use. Lenders often offer competitive interest rates and loan terms for self-employed individuals and small business owners.
With your ABN, you may be eligible for a secured car loan or even a chattel mortgage, which could come with GST benefits. Remember, it’s important to keep your financial statements and tax returns up to date to present a strong case for your business vehicle loan application.

What is the best interest rate for second-hand cars?

The interest rate for a second-hand car loan depends on various factors, such as the age of the car, the loan term, and the borrower’s credit history and situation. There is no “typical” interest rate for second hand cars, due to all of these variables.
Our team will compare all the lender options for the very best rate, based on all of these factors and deliver the lowest rate approval available to you.
To get the best interest rate possible, we’ll shop around and compare offers from different lenders.

What do I need for a car loan when self employed?

When you’re self-employed and seeking a car loan, most lenders will ask for your ABN, the last two years of tax returns, and financial statements to verify income. Proof of income is crucial, and a strong credit history can improve your chances of a better interest rate and approval.
You might also need bank statements or a business activity statement that showcases a healthy cash flow. In some cases, lenders might also consider less paperwork for sole traders with a consistent income, offering a more flexible lending criteria.

How do I apply for a self-employed car loan?

To apply for a self-employed car loan with Tru-Blue Motors through our lending partner AnyFin, you’ll need to showcase your financial health. Gather your financial documents, including recent tax returns, ABN details, and bank statements to demonstrate steady income.
Fill out our simple application form, and we’ll be in touch with you. If you’d like to meet someone face to face before applying, get in touch by calling our team and visiting our dealership. AnyFin’s friendly experts will help you find the right loan amount to fit your business and financial situation.

Can I claim my car loan interest on my taxes?

If you’re self employed and use a commercial car, vehicle or equipment loans, interest is a tax deduction, especially if used primarily for business, you might be able to claim the interest on each car loan repayment on your taxes.
When opting for a secured car loan from our range of quality second-hand cars, keep your financial statements and bank statements handy for tax time. Always consult with your tax advisor to confirm eligibility for tax deductions related to car finance.

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