Car Finance for NDIS Providers and Support Workers
NDIS support workers and providers who need a reliable car for client work. Tell us about your work and the vehicle you need, and we'll pass your enquiry to a licensed finance broker who works with a range of lenders. It takes about 60 seconds and there's no credit check to enquire.
- 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.
Who we help
- Independent support workers on an ABN: driving to clients and taking them to appointments, shopping and community activities
- Small NDIS providers: adding vehicles for staff who transport participants
- Providers needing larger vehicles: such as people movers or vans with room for mobility aids
- Buyers of modified or accessible vehicles: where the vehicle has been, or will be, fitted for a specific purpose
- Newer ABNs: support workers who've recently moved from employee to contractor
- Low doc applicants: with regular invoices and bank deposits but no recent tax return
What lenders tend to look at
For a business-use vehicle, lenders generally assess your ABN and how long it's been active, the regularity of your income, your credit history and the vehicle itself. Support work often produces regular, repeat invoicing, which shows clearly in bank statements. Lenders vary in how they view newer ABNs, so if you've only recently started contracting, your history as an employee in the sector can help.
Where the vehicle will carry participants, expect questions about how it will be used. If you're working for a provider rather than on your own ABN, a consumer car loan or novated lease through your employer may be the more natural fit.
Modified and accessible vehicles
Some providers need a vehicle with a wheelchair hoist, ramp, swivel seat or other modifications. These can be financed, but they take more care:
- Get a written quote that shows the base vehicle and the modifications separately
- Some lenders value the modifications differently to the base vehicle, which can affect how much they'll lend against it
- Check insurance covers the modifications before you settle
If the vehicle is being funded or part-funded for a participant through their NDIS plan, that's a different process. Check the NDIS website or the participant's plan manager first.
Common ways to structure it
Support workers on an ABN usually look at a chattel mortgage (the business owns the car, and you may claim interest and depreciation for the business-use share) or a low doc loan if your tax returns aren't up to date. Many support workers aren't registered for GST, and finance is still available without it. Your accountant can confirm what you can claim.
How it works
- Tell us about your work and the vehicle you need in the short form below.
- A licensed broker calls you, usually within one business day, to talk through your options.
- If it suits you, they handle the application with a lender that fits your circumstances.
What you'll usually need
- Driver licence and photo ID
- Your ABN and how long it's been active (and your NDIS worker screening details, if the lender asks)
- Recent business bank statements showing regular payments, or BAS if you're GST-registered
- Tax returns if you're applying full doc
- A dealer quote or invoice, with any modifications itemised
Every lender has its own criteria, so your broker will tell you exactly what's needed for your situation.
NDIS and ABN finance guides
- Low doc vehicle loans for NDIS support workers
- Low doc loans for NDIS driving instructors
- Car finance for a modified vehicle
- Low doc car loans without GST registration
- How long do I need an ABN to get car finance?
- Small business car loans
Common questions
I'm a new support worker on an ABN. Can I get car finance?
Possibly. Some lenders want one to two years of ABN history, while others consider newer ABNs if you have a solid work history and regular income since starting. A broker can point you towards lenders who fit.
Can I finance a wheelchair-accessible vehicle?
Often, yes. Lenders will want a clear quote showing the vehicle and modifications, and some lend less against specialised fit-outs. Talk to a broker before you commit to a purchase.
I'm not registered for GST. Is that a problem?
Not necessarily. Many support workers aren't GST-registered and can still get business vehicle finance. You just won't claim GST credits on the purchase.
Does enquiring affect my credit score?
No. Filling in our enquiry form isn't a credit application. A credit check only happens if you choose to go ahead with an application through the broker.