Best Sole Trader Car Loans
Even the smallest enterprises – individuals working on their own, for themselves, can achieve competitive rates and vehicle credit through the right lenders. Lenders which we have in our lender panel of over 80 and which we provide access to through our specialist commercial lending services. No referral is necessary to use our services. All commercial entities can simply make the call or contact us online to take full advantage of professional, expert assistance in sourcing the best motor vehicle funds.
Why Jade Finance?
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Compare Our Cheap Car Finance Rates for Sole Traders
Cheap rates can be achieved by self-employed operators when they connect with the right lender. Our access to more than 80 lenders – banks, credit companies, non-bank lenders, provides the self-employed with the opportunity to connect with the lender that will offer them the cheapest rates.
Our operation is built on sourcing the cheapest auto credit interest rates for all our customers. We achieve this through our long-standing in the commercial lending sector and using the leverage we have established with key lenders to negotiate on behalf of our customers.
Interest rates vary with the credit facilities, lenders and applicants and a quote is required to obtain your specific rate. To get started on working up budgets and possibilities, use our latest rates or get straight to the next stage by requesting a quote.
Get Fast Repayment Estimates with Our Car Loan Calculator
When buying a motor vehicle with credit, buyers can work out possible repayments on different vehicles, with different credit products and set their budgets and credit preferences with our auto credit calculator. This online tool is an essential for any vehicle buyer that wants to be organised prior to purchase and prior to applying for credit. Simply enter and change amounts and note the repayment amount displayed. These are estimates but a quick quote can be obtained with a call or online connect with us.
- Online estimating calculator for instant repayments.
- Prepare credit plans prior to purchase.
- Compare credit products, vehicles.
Business finance guides and resources
Our guides offer quick comparisons and simple explainers to help you rise above the financing process with confidence.
Specialised Business Finance
Business Car Finance
Personalised Approach for the Best Sole Trader Car Financing Solutions
The best motor vehicle funding is the solution that is sourced and tailored to meet the individual objectives and requirements of the enterprise. Exactly the approach we take with sourcing funding for all our customers, including self-employed operators. We assign an experienced broker to handle the sourcing, negotiating and settlement for each customer. Relieving operators of the time- consuming task and providing 20+ years of expertise in structuring and tailoring lending solutions.
Our brokers know financials, know the latest tax rulings and are completely across the different entities that self-employed operations can take – companies, trusts, partnerships, contractors, owner-drivers, sole operations. We source the right lender, the cheapest rates and negotiate terms and conditions which will work with the objectives and cash flow of the enterprise.
Services are available via online connections to ensure customers across Australia have access to professional lending service to secure the best motor vehicle credit solutions.
To get the personalised, individual approach that your operation deserves, connect with us online or by phone today.
- Best auto lending for companies, trusts, self-employed, partnerships.
- Personalised, tailored, tax-optimised solutions.
- The right lenders, the lowest rates for small and self-employed operations.
- Australia-wide service, expert brokers, 20+ years experience.
Low Doc Car Finance & No Doc Car Loans for Sole Traders
Don’t meet the criteria for approval set by some banks and lenders? Don’t have the full financials to get vehicle credit approved? Haven’t been trading long enough? Don’t have high enough turnover? These are all issues which typically impact many self-employed operators and present a barrier to obtaining vehicle credit. But we do have solutions with our Low Doc and No Doc options.
These more specialist options are available through our specialist non-bank lenders and can provide solutions for operators that don’t tick all the boxes for other lenders. We have lenders that do approve applications based on 6 months of turnover, on strong prospects, on strong personal financials and other conditions.
Each application is assessed and quoted individually with competitive rates and amenable terms conditions can be achieved. Speak with one of our brokers about your specific situation for a quote today.
- Without financials vehicle funding for self-employed.
- Low Doc vehicle funds approved.
- Approvals on turnover for 6 months.
- Competitive rates, workable conditions.
Fast Sole Trader Car Loans Approved
No one has time to wait and waste these days. Vehicle stocks move quickly, and buyers need credit organised promptly to secure their vehicles. We provide fast quotes and fast 24 hour approvals.
Our brokers liaise with the auto dealer to ensure prompt settlement so you are driving away in your new vehicle as quickly as possible.
- Apply today online.
- Request a quick quote.
- Get fast 24 hour approval.
Car Chattel Mortgage, Hire Purchase & Car Leasing for Sole Traders Available
- Automobile Chattel Mortgage for Self-employed.
- Solo Operator Vehicle Hire Purchase.
- Vehicle Leasing Self-employed.
- Rent to Own Vehicle Credit for Solo Operators.
Discover the best sole trader car loan option for you by getting in touch with us.
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THE INTEREST RATE IS CALCULATED ON A SECURED LOAN PREDOMINATELY FOR BUSINESS USE, EFFECTIVE 20/12/2024 AND SUBJECT TO CHANGE. WARNING: THE INTEREST RATE IS TRUE ONLY FOR THE EXAMPLES GIVEN AND MAY NOT INCLUDE ALL FEES AND CHARGES. DIFFERENT TERMS, FEES OR OTHER LOAN AMOUNTS MAY RESULT IN A DIFFERENT INTEREST RATE.
We work harder to secure the best rates.
Sole Trader Car Loan FAQs
Even the smallest enterprises – individuals working on their own, for themselves, can achieve competitive rates and vehicle credit through the right lenders. Lenders which we have in our lender panel of over 80 and which we provide access to through our specialist commercial lending services. No referral is necessary to use our services. All commercial entities can simply make the call or contact us online to take full advantage of professional, expert assistance in sourcing the best motor vehicle funds.
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Terms for vehicle funding are subject to lender assessment of the application. Up to 7 years may be approved.
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Prior to buying or applying, buyers can use an online credit calculator to work out estimates on vehicle funding.
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Yes. On approval, all applicants can realise the features and benefits of the selected credit facility. That includes opting for a residual with Leasing or a balloon with Chattel Mortgage and CHP.
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Vehicle lending applications can be lodged and approved prior to a specific vehicle purchase commitment being made. An estimate of the amount required and an indication of the type of vehicle will be required to get an accurate quote. Pre-approved quotes are valid for a set timeframe only.
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Small, self-employed enterprises are often asked to provide personal financials as part of the lending application.
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Leasing and Rent to Own repayments are tax deductible but CHP and Chattel Mortgage are not, except for the interest portion. A tax deduction with CHP and Chattel Mortgage comes through depreciation of the vehicle.
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Commercial vehicle funding allows the vehicle to be accepted as security, subject to lender approval. Some self-employed applicants may be requested to provide additional security or personal guarantee. This is assessed on an individual basis.
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Banks and lenders will have individual guidelines for lending approval criteria. Some do have a minimum turnover but there is not an across-the-board amount. Operators with low turnover may benefit from using a broker to source the appropriate lender.
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Commercial vans are included in motor vehicle funding and owner-drivers with an ABN are eligible to apply.
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All motor vehicle funding interest rates are offered after the lender assesses the individual application. Self-employed persons can be offered competitive rates with a strong application.
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GST registration is not an essential requirement to be eligible to apply for commercial lending.
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Yes. All commercial entities can select from Chattel Mortgage, Rent to Own, Lease and CHP to fund motor vehicles.