Car Finance for Tradies & ABN Holders
Fast approvals, less paperwork, and the best finance package for you. Built for tradies — but we finance everyone. New or used, business or personal, ABN and low-doc welcome.
We make car finance fast, simple and low on paperwork. We are built for tradies — but we finance everyone: sole traders, ABN holders, business owners, PAYG workers and everyday buyers right across Australia. First work car, an upgrade to the daily driver, or a vehicle through the business — we compare a real panel of bank and non-bank lenders and hunt down the best finance package for you, then do the legwork so you can stay on the tools.
Built for tradies — open to everyone
Banks can make life hard for anyone without a neat PAYG payslip. We don’t. Tradies are our specialty and we finance everyone — sole traders, subbies, apprentices, business owners and PAYG buyers — and we know how to put an application together so a lender says yes.
ABN holders
Finance in your business or personal name. ABN car finance.
Low or no financials
Low-doc options for newer ABNs and self-employed buyers. Low-doc car loan options.
PAYG tradies & apprentices
Straightforward consumer car loans, made simple.
Lending is subject to approval and individual lender criteria.
New and used car finance
Dealer or private, brand new or a few years old — we can help with both. We compare sharp, competitive rates across a real lender panel and match the loan and structure to find the best finance package for you.
Rates and terms vary by lender, vehicle age and your circumstances.
- New cars, demos and ex-fleet
- Used cars — dealer or private sale
- Refinance an existing car loan
Business or personal? (and where a chattel mortgage fits)
If the car is mainly for work, a chattel mortgage is often the smarter structure — you own the vehicle from day one, and there can be GST and tax advantages for business use. If it’s a personal car, a standard consumer loan is usually the better fit. Not sure which way to go? That’s exactly what we sort out for you. Learn how a chattel mortgage works.
General information only — speak to your accountant about your tax position.
How car finance works
Apply online
A few minutes is all it takes, or grab a 60-Second Pre-Approval.
We compare the panel
We match you to a lender and come back with your options.
Get approved fast
Minimal paperwork — on approval we finalise it and you organise the car.
What you can finance
Cars, utes, vans and dual-cab work vehicles — for the business or the driveway. Looking at a specific work vehicle? See ute finance, van finance or truck finance.
Estimate your repayments
Use our car loan calculator for a quick estimate of weekly, fortnightly or monthly repayments before you apply.
Estimate only — not a quote or an offer of finance. Actual repayments depend on the rate, term, fees and lender assessment.
Why tradies choose Tradie Finance
A real panel
Bank and non-bank lenders, so there are options for almost every situation.
Built for self-employed
ABN, low-doc and sole-trader applications are our bread and butter — and we finance everyone else too.
We do the legwork
One application, we shop it around; you’re not chasing banks between jobs.
Fast approvals
Fast-tracked applications, minimal paperwork — many get the green light fast (subject to lender assessment).
People, not call centres
Talk to someone who gets how tradies earn.
You work hard
You deserve a fair go on your finance.
Car finance FAQs
Can I get car finance with an ABN?
Yes. We arrange car finance for ABN holders every day, in either your business or personal name, and can structure it as a chattel mortgage where that suits. Newer ABNs are fine — ask us about low-doc options. Approval is subject to lender criteria.
Can I get a car loan if I’m self-employed or low-doc?
Often, yes. We work with lenders who understand self-employed income and offer low-doc options when you don’t have full financials. We’ll help present your application in its best light. Lending is subject to approval, criteria, terms and fees.
Do you finance used cars and private sales?
Yes — new or used, dealer or private sale, and refinances too. The available term and rate can depend on the vehicle’s age and your circumstances.
What’s the difference between a chattel mortgage and a car loan?
A chattel mortgage is a business finance structure where you own the vehicle from day one, often with GST and tax benefits for work use. A car loan is the usual choice for personal vehicles. We’ll point you to whichever fits your situation.
How much can I borrow, and do you do no-deposit?
It depends on your income, the vehicle and the lender — many tradies finance the full amount with no deposit. The quickest way to find out is a 60-second pre-approval or a quick chat.
This page is general information only and does not constitute credit or financial advice. Tradie Finance operates under Australian Credit Licence 506065 (Five Tees Pty Ltd). Lending is subject to approval, lending criteria, terms, conditions and fees. Any rates or repayments mentioned are examples only and subject to change.