Self-Employed? No Tax Returns Needed

Car, ute, truck and equipment finance for ABN holders, from 3 months with some lenders. Low Doc options mean no tax returns or financials. 49+ lenders, fast turnaround, 5.0 on Google.

“I recently secured a car business loan through Financfy and couldn’t be happier with the experience. The approval process was incredibly quick and straightforward…”

Alisa Byquar
star
Google Reviews 5.0 Rating
Apply in about 5 minutes

Check your options in about 5 minutes

Pick what you’re financing. No tax returns needed to get started.

Mina Gindi is an Authorised Credit Representative (551445) of Fintelligence Pty Ltd, ACL 511803. Lender criteria, fees and charges apply.

How it works

About 5 minutes online, a call with Mina, then we apply where you fit.

1. Tell us about you and the asset

About 5 minutes online: your ABN, what you’re buying and roughly what it costs. No tax returns.

2. A soft check and a real conversation

Mina runs a soft credit check that doesn’t affect your score and works through your situation with you.

3. We apply where you fit

Out of 49+ lenders, we apply to the one whose criteria best match yours, not to every lender at once.

4. Fast turnaround to settlement

We handle the paperwork with the dealer, private seller or auction and settle.

Self-employed client portrait

“Fantastic service from start to finish. Made the whole finance process easy and stress-free, kept me updated throughout, and was always available to answer my questions.”

Rimon Miry
star
Self-employed client portrait

“Mina was incredibly helpful, patient, knowledgeable and reliable. He ensured I was well informed of my options and gave me clarity on a number of things I was uncertain about.”

Jessica
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Why self-employed Australians choose Financfy

ABN from 3 months

With some lenders, depending on your circumstances. We tell you which lenders fit before anything is lodged.

No tax returns

With a low doc loan you don’t need to provide tax returns or financials. Lenders still check your ABN, ID and credit history, and some may ask for a deposit.

Fast turnaround

With your details ready, we move quickly, and pre-approval before you shop is available.

Award-winning broker

Fintelligence Best Commercial Broker – NSW FY26. 49+ lenders compared, 5.0 on Google, and one broker from first call to settlement.

1,500+ happy clients and counting

Mina was incredibly helpful with getting me approved for my car loan, Communication was always there and was super quick to get everything ready from when i bought the car right through to me picking it up. Couldn’t recommend him enough!

Rodrigo Enriquez

Thank you Financy! Your prompt, reliable and efficient service was above and beyond. You made the whole experience so easy from application to approval. Highly recommended!

Rafik Elmasri

Thank you for all your help and perseverance along with the personal touch you have brought to the process. Your professionalism, patience, efficiency, friendliness and fast, regular communication are all very much appreciated.
I know we are not your only customers but you have made us feel that we are and that is a rare thing to find.

Milad Ibrahim

Mina helped me with my first car purchase and got a better price than what I shopped for. He was able to get me the best finance package that suited my requirements. Process was smooth, quick, and easy. Approval was obtained in a timely manner.

Sara Kolta

Best broker I’ve ever met, sorted the entire process out and pulled off the impossible. Couldn’t recommend more highly and will always use his services wherever possible. 1000/10

Kevin Fernandopulle

Mina was Amazing.. he helped us buy our family car at a really good rate.. highly recommended.

Manuel Abdo

“I had an exceptional experience working with my broker for my car loan. They went above and beyond to ensure that I not only got a great loan deal but also understood the entire process. Their professionalism, knowledge, and attention to detail were truly impressive. Thanks to their expertise, I was able to secure the financing I needed with ease. I highly recommend Mina to anyone in need of financial assistance or guidance. They are a true expert in their field and made the entire process a breeze. Thank you!”

George Michail

Best service ever, thank you so much Mina for your professional service and support. You make everything so easy and achievable. Best outcome with very efficient time. Thanks again and keep up the good work!

Philip Sheanoda

Excellent service and great experience

Ehab Ibrahim

I’m so happy He’s very honest and hes very professional

Ahmad Soboh

Great service that delivers desired outcomes in the most efficient and professional manner.
Thank you so much for your service!

Mina Girgis

Highly recommended! Professional service and excellent communication. Perfect outcome for us

Rimon Ayoub

Very helpful, and totally understand the fine details to achieve my target financial goals

Mag Mostafa

Mina is an amazing broker. I was originally declined by Toyota’s financing and Mina had the loan approved within a few hours. I couldn’t recommend him more.

Emma Campbell
Google Reviews 5.0 Rating
Apply in about 5 minutes

Frequently Asked Questions

Can I get finance with an ABN under 12 months?

Yes. Some lenders accept an ABN from 3 months, depending on your circumstances, and some may ask for a deposit. Call 1300 785 514 to talk through yours.

With a low doc loan you don’t need to provide tax returns or financials. Lenders still check your ABN, ID and credit history, and some may ask for a deposit. If your situation doesn’t suit a low doc loan, some lenders may ask for bank statements instead.

With documents ready, many applications are approved within 24 hours, and settlement often follows within 24–48 hours, depending on the lender. We can pre-approve you before you go to the dealer or an auction.

Banks apply one policy. Non-bank lenders have different policies built for self-employed borrowers, so a decline for ABN age or paperwork is one of the most common reasons people call us.

Not seeing your question here?

Ready to get moving?

Call 1300 785 514 or start your application in about 5 minutes.

Google Reviews 5.0 Rating (127 Reviews)
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