BUSINESS LENDING HUB

Car Carrier Trailer Finance: ABN-Only Guide 🧾🛻

If you transport vehicles for a living — whether it's cars, 4WDs, or even track-day builds — a car carrier trailer is a vital part of your setup.

And if you’ve got an ABN, even without full financials, there’s a good chance you can finance one.

✅ Can You Get Car Carrier Trailer Finance With Just an ABN?

Yes. Many lenders and brokers offer finance to ABN-only applicants, especially if the trailer is:

  • ✔️ For business use

  • ✔️ New or in good condition

  • ✔️ Roadworthy and registerable

  • ✔️ Purchased from a dealer or known supplier

You won’t necessarily need tax returns or BAS if you can show a steady income and clean credit history.

🚛 Who’s Eligible for This Type of Loan?

Common applicants include:

  • Vehicle transporters & towing operators

  • Auto repairers or panel beaters offering delivery

  • Car dealers or traders

  • Regional relocators or 4WD resellers

  • Track-day or event-based businesses

Even if you’re a sole trader or new business, brokers can often secure approval if the trailer is clearly tied to commercial activity.

📋 What Do You Need to Apply?

For an ABN-only application, most lenders ask for:

  • ✅ Active ABN

  • ✅ Driver’s licence

  • ✅ Invoice or quote for the trailer

  • ✅ Optional: business bank statements (3–6 months)

GST registration helps but isn’t always required. Some lenders also accept cash-flow-based approvals instead of standard tax documents.

💡 What If You’re Buying Used?

Used car carrier trailers can still be financed if:

  • The trailer is under ~10 years old

  • The condition is good (photos or inspection may be needed)

  • The seller can provide a clear invoice

  • You’re putting down a small deposit (10–20%)

If buying from a dealer, the process is generally faster and more straightforward.

🧠 Why Go Through a Broker?

Car carrier trailers are niche business-use assets — and most banks don’t offer tailored finance for them.

A broker will know which lenders accept ABN-only applicants and can structure the deal to get approved fast — without needing full tax paperwork.

🚀 Apply Online and Haul Sooner

Don’t let paperwork slow down your business. If you’ve found the right car carrier trailer, we’ll help you get finance sorted fast.

👉 Start My Trailer Finance Application

 

DISCLAIMER

The information provided on this website is general in nature only and has been prepared without considering your financial needs, circumstances and objectives and should NOT be construed as financial, taxation or legal advice. For more information, get in touch with our experienced partner brokers today.

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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.