Low Doc Truck Finance — No Tax Returns Required Up to $500,000

Australia’s specialist truck finance broker for self-employed operators. No tax returns. No financials. Approval in 24 hours.

GET A FREE QUOTE   CALL 1800 199 302

CarFund arranges truck finance differently

Most lenders treat truck finance like a mortgage application. They want two years of business financials, profit and loss statements, and tax returns — documents that are either months away from being lodged or simply don’t tell the whole story of a business that’s running well.

CarFund is a specialist. We only work with self-employed borrowers, and we’ve been doing this for over 20 years. For truck finance up to $500,000, we do not require tax returns. For many applicants, we don’t require financial statements either.

If you hold an ABN and operate a truck for business purposes, we can arrange finance — regardless of whether your books are up to date.

Trucks and vehicles we finance

We arrange low doc and no doc finance for any commercial vehicle used for business, including:

Road transport

• Prime movers and semi-trailers
• B-double and road train configurations
• Tipper trucks (all configurations)
• Flat bed and curtain sider trucks
• Refrigerated and temperature-controlled trucks
• Concrete agitator trucks
• Crane trucks and tilt trays
• Tow trucks and recovery vehicles
• Tanker trucks

Light and medium commercial

• Pantech trucks
• Box trucks and delivery vehicles
• Crew cab trucks
• Utes and vans for business use

Specialised

• Dump trucks and off-road haul trucks
• Logging and forestry trucks
• Waste and recycling vehicles
• Fire and emergency support vehicles

If your truck isn’t on this list, call us anyway. If it’s used for business and you hold an ABN, we can almost certainly arrange finance for it.

The numbers — what you can borrow

Why self-employed operators choose CarFund for truck finance

No tax returns up to $500,000
This is our standard offering, not a special case. We work with lenders — including Macquarie Bank and Capital Finance — who understand that self-employed operators run profitable businesses with income that doesn’t always fit neatly into a two-year tax return cycle.

We only work with self-employed borrowers
CarFund is a specialist. We don’t arrange finance for salaried employees. Every lender relationship we have, every process we’ve built, and every application we submit is designed specifically for ABN holders. This means faster approvals and fewer unnecessary questions.

Twenty years of lender relationships
We know which lenders approve truck finance for operators with short ABN histories. We know which lenders have the best appetite for older trucks, high-km vehicles, or less common configurations. We place your application with the right lender the first time.

Balloon payments to protect your cash flow
Truck operators often have seasonal or irregular income. A balloon payment at the end of your loan term can significantly reduce your monthly repayments during the loan, with a lump sum paid out at the end — which can be refinanced, paid from the sale of the truck, or covered from business income.

Finance for new and used trucks
We arrange finance for new trucks through dealers, used trucks from dealers and private sellers, and trucks purchased at auction. The truck can be anywhere in Australia — our process is entirely online and by phone.

The finance structure: chattel mortgage for truck operators

For business-use trucks, the chattel mortgage is almost always the right product.

• The truck is registered in your name immediately at settlement
• If you are GST-registered, you can claim the GST on the purchase price at settlement — a significant immediate benefit on a $300,000+ truck
• Interest repayments are fully tax deductible as a business expense
• Depreciation can be claimed on the business-use proportion
• No kilometre or usage restrictions — you own the truck outright
• Balloon payment option available to reduce monthly repayments

How our truck finance process works

1. Get a free quote — 5 minutes
Call 1800 199 302 or complete our online quote form. We respond within 30 minutes during business hours. Emails monitored 7 days a week.

2. Submit your application — 10 minutes
Our application form takes around 10 minutes online, or we complete it with you over the phone. This is the only form you fill in.

3. Approval — within 24 hours
We submit to the right lender for your profile. Approval typically returns within 24 hours for straightforward applications.

4. Settlement — 2–3 business days
Once you’ve confirmed the truck, we arrange payment directly to the seller. New truck through a dealer, private sale, or auction — we handle the payment regardless of where the truck is being purchased.

Frequently Asked Questions

Can I get truck finance if my tax returns aren’t lodged?
Yes. For truck finance up to $500,000, CarFund does not require tax returns. The assessment is based on your ABN history, asset position, and credit profile. Unlodged tax returns are one of the most common situations we deal with — it does not prevent approval.

Can I finance a used truck or a high-kilometre vehicle?
Yes. We arrange finance for used trucks, and kilometre count alone does not exclude a truck from finance. The truck’s condition, age, and value are assessed as part of the application. Call us with the specific truck you’re looking at and we’ll give you a straight answer.

Can I get pre-approved before I find my truck?
Yes. Pre-approval gives you a confirmed borrowing limit so you can negotiate as a cash buyer. Pre-approvals are valid for 90 days. If you’re a property owner, pre-approval requires no documentation at all.

Do I need a deposit?
Property owners do not need a deposit. For non-property owners, a deposit may be required depending on the overall profile and loan amount — this is assessed case by case.

Can I finance multiple trucks?
Yes. We arrange finance for individual trucks and fleet additions. Speak to us about your fleet requirements and we’ll structure the applications appropriately.

What if I’ve been knocked back by a bank?
A bank decline is not a reflection of your creditworthiness — it reflects a mismatch between their product requirements and your situation as a self-employed borrower. Most of our clients have been declined by a bank before coming to us.

Does getting a quote affect my credit score?
No. A free quote from CarFund has zero impact on your credit file. A formal credit inquiry is only run when you proceed with a full application, and only with your consent.

Ready to get your truck financed?

CarFund arranges low doc and no doc truck finance for self-employed Australians across every state and territory. Our process is fully online and by phone — there are no branch visits, no face-to-face meetings required, and no unnecessary delays.

No tax returns. No financials up to $500,000. Approval in 24 hours.

GET A FREE QUOTE — zero credit score impact →

Call 1800 199 302 — we answer 7 days a week
Email enquiry@carfund.com.au — responses within 30 minutes

CarFund.com.au | Specialist self-employed finance — car, truck and equipment — for over 20 years