Finance the Ride / Car finance
How to Apply for Car Finance Without a Fixed Address
Between homes, house-sitting, living in a caravan or working FIFO? How to handle the address question on a car loan application.
- No credit check to enquire
- Free to enquire, with no obligation to go ahead
- A licensed broker calls you, usually within one business day
Check my eligibility
About 60 seconds. No credit check to enquire.
Lenders need a residential address to verify your identity and contact you, and they look at how stable your living situation is. If you don't have a fixed address right now, you may still have options. It depends on why.
Common situations
- Between rentals or staying with family: use the address where you're currently living, and explain your plans.
- FIFO or remote work: use your home base address. Lenders are used to FIFO arrangements.
- Living in a caravan or on the road: harder, but some lenders will consider it with a stable income and a postal or family address.
- Experiencing homelessness: finance is unlikely to be the right first step. Services such as Ask Izzy (askizzy.org.au) can help find housing and support, and financial counsellors (1800 007 007) can help with money.
What helps
- ID with a current address, or a letter from where you're staying
- Steady employment and income
- A clear explanation of your situation
- A modest loan and a deposit
Be accurate
Always give your genuine current address. Using an address where you don't live can be treated as misrepresentation.
Unusual living situation? Tell us about it in about 60 seconds and a licensed broker will call you. No credit check to enquire.
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General information only. This isn't financial advice. Finance the Ride is a referral service and doesn't hold an Australian Credit Licence. Last reviewed September 2026.
About this guide. Written by the Finance the Ride team and last updated . It's general information for Australian borrowers, not financial advice, and doesn't take your circumstances into account. Finance the Ride is a referral service: we don't lend money or hold an Australian Credit Licence. About us