Who We Help
ABN car finance for all types
Whether you're a tradie, contractor, or running your own business.
Tradies
Electricians, plumbers, builders & more
Utes & work vehicles
Contractors
IT, marketing, consulting & services
Sedans & SUVs
Sole Traders
One-person businesses & freelancers
Any vehicle type
Gig Workers
Delivery drivers & rideshare
Fuel-efficient cars
Tax Advantages
Why ABN holders choose chattel mortgage
Structure your vehicle purchase for maximum tax efficiency.
GST Credits
Claim back the GST on your vehicle purchase as an input tax credit.
$50k car = ~$4,500 back
Depreciation
Claim the vehicle depreciation as a tax deduction over its life.
Reduces taxable income
Interest Deduction
Interest paid on your ABN car finance is tax deductible.
Lowers effective rate
Immediate Ownership
Own the vehicle from day one - it's yours, not leased.
On your asset register
Tax Tip: Always check with your accountant about the specific benefits for your situation. We can explain how the finance structures work, but your accountant knows your full financial picture.
What You Need
ABN car finance requirements
Here's what lenders typically look for with ABN applications.
Typical Requirements
New ABN? No Problem
We work with lenders who accept ABNs from 6 months old. New ABN holders may need to provide:
Every situation is different - let's chat about yours.
The Process
How ABN car finance works
Simple steps to get your work vehicle financed.
Quick Chat
Tell us about your ABN, how long you've been trading, and what vehicle you need.
Gather Documents
We'll tell you exactly what documents are needed for your situation.
Get Approved
We submit to ABN-friendly lenders and find you the best rates.
Drive Away
Settle the finance, pick up your vehicle, and get back to work.
Finance Options
ABN finance structures explained
The right structure depends on your business type and tax situation.
Chattel Mortgage
Most popular for ABN holders. Own the car from day one with full tax benefits.
Best for: Most ABN holders
Commercial Hire Purchase
Hire with intent to purchase. Similar benefits, slightly different structure.
Best for: Pty Ltd companies
Finance Lease
Lease the vehicle with option to purchase, return, or upgrade at end.
Best for: Fleet vehicles
Not sure which option suits your ABN business? Let's chat and we'll explain everything.
Common Questions
ABN car finance FAQs
Answers to the questions ABN holders ask most often.
Can I get car finance with just an ABN?
Yes, you can get car finance with an ABN. Most lenders require at least 6-12 months of ABN registration with trading history. You'll typically need to provide BAS statements, bank statements, and possibly tax returns. We work with lenders who specialise in ABN holder finance and can often find options even for newer ABNs.
How long do I need my ABN to get car finance?
Most lenders prefer 12-24 months of ABN trading history, but we work with lenders who accept ABNs from 6 months old with appropriate documentation. Newer ABN holders may need to provide additional evidence of income like bank statements showing regular deposits from business activities.
What documents do I need for ABN car finance?
Typical requirements include: ABN registration certificate, 2-4 BAS statements (or 12 months if quarterly), 3-6 months of business bank statements, identification (driver's licence, passport), and sometimes an accountant's letter. Each lender has different requirements - we'll tell you exactly what's needed.
Is chattel mortgage the best option for ABN holders?
Chattel mortgage is the most popular choice for ABN holders because it offers immediate ownership, GST credits on the purchase, depreciation deductions, and interest as a tax deduction. However, the best option depends on your situation - we'll explain all options and help you decide.
Can I claim GST on my ABN car finance?
Yes, with a chattel mortgage structure you can claim the GST on the vehicle purchase as an input tax credit. For a $50,000 vehicle, that's approximately $4,500 you can claim back. You'll need to be registered for GST and the vehicle must be used for business purposes.
What if I have irregular income as a contractor?
We understand contractors and sole traders often have variable income. We work with lenders who assess your average income over time rather than requiring consistent monthly amounts. Bank statements showing regular business deposits help demonstrate your earning capacity.
Can I get ABN car finance with bad credit?
It's possible but more challenging. Some lenders specialise in ABN holders with credit issues. You may face higher interest rates or need a larger deposit. We'll be honest about your options and help you understand what's achievable.
How quickly can I get approved for ABN car finance?
With complete documentation, we can often get pre-approval within 24-48 hours. Some lenders offer same-day approval for straightforward applications. Complex situations or missing documents can extend this to 3-5 business days.
Get Started
Get your ABN car finance quote
Tell us about your ABN business and the vehicle you need. We'll find lenders who work with your situation and get you competitive rates.
ABN finance enquiry
Tell us about your ABN business and vehicle needs.
