BUSINESS LENDING HUB

Get Matched With a Low Doc Finance Specialist

- No tax returns required

- For ABN holders, sole traders and contractors

- Just straight answers - no pushy sales calls

Start My ApplicationTalk to a Broker

B.K Brokers: Our Trusted Partner for Fast, Personalised Vehicle Finance

Why We Trust B.K Brokers to Deliver Exceptional Finance Outcomes for Our Customers


At Finance the Ride, our mission is simple — to help Australians find the right vehicle, at the right price, with the least amount of hassle. But great vehicle deals are only part of the equation. What really makes the difference is working with finance professionals who care just as much about service and outcomes as we do.
That’s why we’ve partnered with the experienced team at B.K Brokers — a boutique commercial and asset finance brokerage based in Brisbane, servicing clients right across Australia.

Why B.K Brokers?

We’ve seen firsthand how the team at B.K Brokers operates, and they genuinely stand out in an industry that can often feel impersonal and overly complex. They take a relationship-first approach, offering personalised finance strategies tailored to each borrower’s circumstances — not just a one-size-fits-all offer from a big bank.
They work fast, they work smart, and they get results.
Whether our customers are looking to finance a ute for their business, a car for personal use, or commercial vehicles and equipment, B.K Brokers consistently delivers outstanding finance outcomes with clarity and care.

Who They Help Best

While B.K Brokers can assist a wide range of customers, we’ve found they’re especially effective at helping:
     ‱ ABN holders trading for 6+ months
     ‱ Businesses registered for GST
     ‱ Self-employed operators with solid cash flow
     ‱ Asset-backed borrowers who don’t fit the traditional bank mould
These are the clients who often fall into the “too new” or “too niche” category for the big lenders — but with the right guidance and lender connections, they’re actually great finance candidates. That’s where B.K Brokers really shines.

A Streamlined, Stress-Free Process

Finance can be overwhelming — especially when you’re busy running a business or sorting out a vehicle purchase. B.K Brokers makes the process as smooth and painless as possible. They handle the paperwork, liaise with lenders, and keep you informed every step of the way.
And the best part? Their panel includes dozens of bank and non-bank lenders, meaning you're not stuck with just one option.

We’ve Seen the Results

Many of our clients have already experienced the benefits of working with B.K Brokers. From fast approvals to fair rates and honest guidance, the feedback has been overwhelmingly positive.
If you’ve found the perfect vehicle through Finance the Ride and need help securing the right loan to match, we strongly recommend reaching out to the team at B.K Brokers. They’ll look after you the way we would — with respect, speed, and a laser focus on getting the best possible result.

Ready to Finance Your Ride?

Click through to B.K Brokers and let them know you came from us. You’ll be in excellent hands.

Back to blog

Other Blogs

  • Do Low Doc Car Loans Require a Deposit?

    Introduction Low doc car loans help small business owners and sole traders access vehicle finance without full tax returns — but one common question is: Do I need a deposit...

    Do Low Doc Car Loans Require a Deposit?

    Introduction Low doc car loans help small business owners and sole traders access vehicle finance without full tax returns — but one common question is: Do I need a deposit...

  • Low Doc Car Loans for Sole Traders

    Introduction As a sole trader, getting vehicle finance can feel tricky — especially if you don’t have up-to-date tax returns or complete financial statements. But that’s where low doc car...

    Low Doc Car Loans for Sole Traders

    Introduction As a sole trader, getting vehicle finance can feel tricky — especially if you don’t have up-to-date tax returns or complete financial statements. But that’s where low doc car...

  • Can Casual Government Workers Get Car Finance? ...

    If you work in a government role but don’t have a permanent contract — maybe you're casual, part-time, or on a rolling contract — you might be wondering: “Can I...

    Can Casual Government Workers Get Car Finance? ...

    If you work in a government role but don’t have a permanent contract — maybe you're casual, part-time, or on a rolling contract — you might be wondering: “Can I...

1 3

All Your Questions Answered

What is a car loan and how does it work?

A car loan is a finance product where a lender provides funds for you to purchase a vehicle, which you repay over time with interest.

What’s the difference between secured and unsecured car loans?

Secured loans use the car as collateral, often leading to lower interest rates. Unsecured loans don’t, but usually have higher rates.

What loan terms are available for car finance?

Most car loans offer terms from 3 to 7 years. Find out what term suits you best.

How is interest calculated on a car loan?

Interest is based on the loan amount, term, and rate. Fixed-rate loans have predictable repayments, while variable rates can change.

Can I get a car loan for a private sale?

Yes, many lenders accept private sellers. You’ll need to provide extra documents.

Do government employees get lower interest rates on car loans?

Yes — many lenders offer better rates due to your stable income. Explore finance options for government employees.

Can I apply for a car loan while on probation?

Yes. Many workers are approved during probation.

What credit score do I need as a government employee?

A score of 650+ is ideal, but lower scores may still be considered.

Are corporate professionals eligible for low-rate finance?

Yes, especially if you're full-time with strong income.

Can I get car finance with a novated lease?

Yes, many government departments support novated leasing.

Can I get a car loan with no credit history?

Yes, it's still possible to get a car loan with no credit history.

What if I’ve been declined elsewhere?

A broker can help restructure your application for better results.

How do I check my credit score?

Use Equifax, Experian, or Illion for a free check.

Can I get finance if I have a current personal loan?

Yes, if your income supports both loans. A broker will assess your capacity.

What documents do I need to apply?

Typically: ID, payslips, and bank statements.

Can casual workers get car loans?

Yes, if you’ve worked consistently for 6+ months.

Can I apply if I’m self-employed with an ABN?

Yes. Consider a low-doc loan.

Can Centrelink be used as income?

Yes, when paired with PAYG income.

What’s the minimum income to qualify for car finance?

Most lenders prefer $30,000+ annually, but this varies.

Can I apply on a fixed-term contract?

Yes, especially if it’s government-backed.

Can I finance a used car?

Yes, most lenders allow used cars under 10 years old.

Can I get a loan for an SUV or family car?

Absolutely

Can I finance a caravan or motorbike?

Yes

Can I finance an EV or hybrid car?

Yes. You may even qualify for green car loan discounts.

Can I use my car for both work and personal use?

Yes you can.

What is a balloon payment?

It’s a lump sum due at the end of the loan term.

Can I make extra repayments?

Yes, many lenders allow this without penalty.

Can I pay off the loan early?

Yes — ask if there’s an early payout fee.

Is there a deposit required?

Not always.

What loan terms are available?

1 to 7 years is standard.

How long does approval take?

24–48 hours in most cases

Can I apply online?

Yes — most lenders and brokers accept online applications.

Is a broker better than going direct?

Often, yes. They can compare lenders for you.

Can I get pre-approved?

Yes — and it gives you better negotiating power at the dealership.

What happens after I apply?

Your documents are reviewed, and if approved, the lender issues funds to the seller.

Can I get a loan with a visa?

Yes, in some cases. see finance for visa holders here.

Do I need a driver’s licence to apply?

Yes, but learners may qualify with a co-applicant.

Can I apply with someone else?

Yes, joint applications are allowed.

Can I refinance my current car loan?

Yes — it can lower your repayments or get you a better rate.

Can I trade in my old car as a deposit?

Yes, many lenders accept trade-ins toward the deposit.

Can nurses get car finance?

Yes — see nurse-specific finance tips.

Can teachers apply while on contract?

Yes. Read how to get approved.

Do defence personnel get special car loan rates?

Yes, in some cases. Your job security is a major advantage.

Can FIFO government workers apply?

Yes — consistency in income matters more than job location.

Can I apply if I’m on maternity leave?

Yes, especially if you’re returning to work. Here’s how.

Can I use car finance to buy interstate?

Yes — just make sure the seller provides all required documents.

Can I finance a car from an auction?

Yes, but only through select lenders. Ask your broker first.

Will applying hurt my credit score?

Only if you apply to multiple lenders directly. Brokers help protect your score.

Can I get a car loan if I’ve been bankrupt before?

Yes — see bad credit car loan options.

What if I want to upgrade my car before the loan ends?

You can sell the car, pay off the loan early, or refinance.