Yes, we can arrange car loans specifically for the self-employed, and those starting in business with no trading accounts.

We first complete an initial assessment which includes affordability, credit, licence and fines checks. If everything looks good we’ll give you a conditional approval. We’ll then need to verify some information and may require further documents. The faster this happens, the faster you can get approved!

It depends on both your application and your chosen vehicle. If everything goes well, and you can supply the necessary documents, you can apply and drive away on the same day!

When your application is approved, you’ll be assigned an interest rate. This rate is divided by 365 and calculated on your remaining balance at the end of each day as a percentage and charged to your account monthly. If your loan is in default, you may also be charged a default interest rate on the amount in default.

Our key criteria is affordability, so the amount you can borrow will depend on how much you can afford. To assess how much you can afford, we look at your income and expenses.

Our interest rates are dependent on your credit assessment. Please check our products and rates sheet for our current interest rates.