1800 199 302
ABN Car Loan — Car Finance Designed for ABN Holders
Australia’s specialist ABN car finance broker. No tax returns. No payslips. 20+ years experience.
GET A FREE QUOTE CALL 1800 199 302
Your ABN is your primary qualification
When you hold an ABN and need a vehicle for your business, your ABN is the most important piece of your finance application — not your tax returns, not your payslips, and not a letter from your accountant.
CarFund arranges car finance exclusively for ABN holders. We have done nothing else for over 20 years. Every lender on our panel, every process we’ve built, and every application we lodge is designed around the way ABN holders actually operate their businesses.
For car and vehicle finance up to $150,000, we do not require tax returns. For most applications, your ABN, a signed income declaration, and your credit profile is all we need.
Who this is for
An ABN car loan through CarFund suits any ABN holder whose vehicle is used predominantly for business purposes, including:
- Sole traders across all industries
- Contractors and subcontractors
- Tradespeople — builders, plumbers, electricians, concreters, tilers
- Couriers and delivery operators
- Real estate agents and mortgage brokers
- Consultants and freelancers
- Company directors purchasing through a company or trust
- Farmers and rural operators
- Any ABN holder who has been declined by a bank because of documentation requirements
What you can borrow
| Loan amount — no tax returns | $10,000 – $150,000 |
| Pre-approval available | Up to $250,000 |
| Loan term | 1 to 7 years |
| Balloon payment option | Yes |
| Deposit (property owner) | Not required |
| Time to get a quote | 30 minutes |
| Approval time | 24 hours |
| Settlement | 2–3 business days |
The ABN car loan advantage: chattel mortgage
Because your vehicle is used for business, you can access a chattel mortgage — Australia’s most tax-effective vehicle finance product for ABN holders.
In plain terms, a chattel mortgage means:
- You own the vehicle from settlement day — it’s not a lease
- If you’re GST-registered, you claim the GST on the purchase price at your next BAS — immediately, not spread across the loan
- Your interest repayments are fully tax deductible as a business expense
- You can claim depreciation on the vehicle’s business-use portion
- A balloon payment can reduce your monthly repayments and protect cash flow
A standard consumer car loan does not offer any of these tax benefits. The chattel mortgage is only available to business borrowers with an ABN, which is why your ABN is such a valuable credential when it comes to car finance.
How your ABN car loan is assessed
Without tax returns in the picture, lenders assess ABN car loans using a combination of:
ABN history — how long your ABN has been registered and active. A longer history signals an established business. CarFund works with ABN holders at all stages, including those with shorter histories depending on their overall profile.
Asset position — property ownership is the strongest single factor. Property owners can access pre-approval up to $250,000 with zero documentation. Non-property owners are assessed on their broader profile.
Credit profile — your credit history, including any prior finance facilities and repayment behaviour. We run a credit check only when you formally proceed with a full application — not during the quote stage.
Signed income declaration — a short statement confirming your income, provided on a form we supply. This is standard for most ABN car loan applications under $150,000.
Our process for ABN holders
1 — Quote (5 minutes)
Contact us online or call 1800 199 302. We respond within 30 minutes, 7 days a week.
2 — Application (10 minutes)
One form — online or by phone. For most loans under $150,000, this is the only paperwork involved.
3 — Approval (24 hours)
Submitted to the right lender — including Macquarie Bank and Capital Finance. Approved within 24 hours in most cases.
4 — Settlement (2–3 business days)
We pay the seller directly, wherever in Australia the vehicle is located.
Frequently Asked Questions
Does the ABN need to be in the same name as the loan applicant?
Not necessarily. We arrange finance in personal names, company names, and trust names. The right structure depends on how your business is set up — we’ll advise during the quote.
Can I get an ABN car loan if my ABN is new?
Possibly. A newer ABN doesn’t automatically exclude you, particularly if you have strong asset backing. Speak to us directly before assuming you won’t qualify.
What’s the difference between an ABN car loan and a standard car loan?
An ABN car loan is assessed on your business profile rather than payslips and tax returns. It uses a chattel mortgage structure — giving you tax advantages not available on personal loans — and is arranged through specialist commercial lenders who understand self-employed borrowers.
Can I use an ABN car loan to buy a used vehicle?
Yes. New or used, dealer or private sale, anywhere in Australia.
I have a bad credit history — can I still apply?
Speak to us first. Minor historical credit events are often manageable depending on the nature of the issue and the strength of the rest of your profile. We give you an honest assessment before running any formal inquiry.
Does getting a quote affect my credit file?
No. A quote from CarFund has zero credit impact. A formal check only occurs when you proceed to a full application, and only with your consent.
Apply for your ABN car loan today
If you hold an ABN and need a vehicle for your business, CarFund can arrange finance without the bank paperwork and delays. The entire process runs online and by phone — 7 days a week.
ABN. Vehicle for business. That’s where we start.
FREE QUOTE — NO CREDIT IMPACT →
Call 1800 199 302 — 7 days a week
Email enquiry@carfund.com.au — reply within 30 minutes
CarFund.com.au | Australia’s ABN car finance specialist — 20+ years