Just landed a new job and now you’re on probation? You’re not alone.
“Will being on probation stop me from getting car finance?”
The truth:
🟡 Some lenders say yes.
✅ But others are flexible — especially if your overall profile shows consistency and credibility.
🔍 What Lenders Worry About — And How to Offset It
Probation means your employment isn’t locked in yet. Lenders see it as a risk that you might not pass your trial period.
But that risk goes down when you can show:
- You’ve stayed in the same industry or role
- Your income is stable or improved
- You’re with a well-established employer
- You’ve had consistent prior work history
🔧 Who Gets Approved While on Probation?
Lenders are more lenient with job changes that make sense — especially these:
- 🔁 PAYG to PAYG (same role or better pay)
- 📈 ABN to PAYG – now with more employment security
- 🔧 PAYG to ABN subcontractor – same worksite
- 🛠️ Casual converted to full-time
All of these profiles are explored on our main hub for car loans after changing jobs.
📄 What You’ll Need to Prove Your Case
Even while on probation, you can improve your approval chances with:
✅ A signed employment contract clearly stating your income and terms
✅ Your first payslip (or bank deposit)
✅ A clear job history showing no gaps
✅ Optional: A letter from your employer confirming your position is ongoing past probation
⚠️ Don’t Just Apply Through Big Bank Portals
Most mainstream lenders automatically block probationary applicants.
✅ Use our fast eligibility checker to find lenders who understand modern job transitions.
📌 Final Thought
Probation doesn’t have to be a dead-end for car finance. With the right documents and employment story, you can still get approved.
👉 Check your eligibility here and only apply where your profile is truly considered.
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.
