Car Loans

Low doc car loan

We look at alternative routes to help self-employed people access low doc car loans.

Liberty car loans

We think differently to other lenders

At Liberty, we think differently about car loans for self-employed people. Whether you’ve been in business for years or are running a new business start-up, our low doc car loan can offer fuss-free finance.

  • Solutions for start-ups

  • Suitable for self-employed

  • Alternative proof of income

  • Discounts apply for electric vehicles7

  • Rates from 9.45% p.a.

Easy to understand features, variables and fees


Maximum loan amount4
Minimum loan amount
Maximum loan term
7 years
Minimum loan term
2 years
Repayments weekly, fortnightly, monthly
Balloon payments3
Older vehicles okay6
Discounts apply for electric vehicles7

Loan variables

Start-up/established business
Flexible payment options
Alternative income verification


Application fee
Ongoing fee
$10 per month
Discharge fee^^

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Liberty low doc car loans FAQs

  • A low documentation (or low doc) loan provides flexible financing solutions for self-employed people, sole traders and contractors who are unable to provide the verification documentation traditionally required by lenders. Our low doc car loan is available to qualified borrowers who are able to verify their income levels using alternative methods rather than annual tax returns. Contact a Liberty Adviser today to find out more about low doc car loans.

  • Rather than relying on traditional forms of income verification such as tax returns, low doc car loans use alternative documentation to assess your financial position. Depending on your circumstances, you may need to provide BAS statements or bank statements. To find out more about what documents might be required for an application, contact a Liberty Adviser today.

  • Liberty offers low doc car loans for new, used, and electric vehicles. Whether it’s a ute to fit your tools or a hatchback to get you from A to B, a low doc car loan could help you get behind the wheel sooner. To chat about your options and reaching your car ownership goals, contact a Liberty Adviser today.

  • The most obvious benefit of securing a car loan is that you can purchase a car without paying anything upfront. Most people do not have the necessary savings to pay the full cost of a car or would prefer to use their savings for other things. And, if you need a car urgently, you don't have to wait until you've saved up for the total cost.

  • Sometimes known as a residual payment, a balloon payment is an amount due at the end of the car loan term to finalise the contract. It is commonly used to structure a facility where the borrower requires a lower monthly repayment over the loan term, to assist in managing their cash flow.

  • Liberty offers a range of car loan options to suit your circumstances, with some products offering the flexibility of weekly, fortnightly or monthly repayments. We work with each customer to find a loan product that fits their circumstances.

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Wherever you are in your journey, help is here however you need it.

Calculate your repayments

Our easy to use online calculator can help you work out what your loan repayments will be.

Contact a trusted adviser

Your local Liberty Adviser will be able to look at your financial situation and help you decide the best way forward.

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Other loans you might like:

Business car loan

For those who just want to get on with business.

  • Borrow up to $100,0004
  • Loan terms up to 7 years
  • New and used vehicles accepted6
  • Balloon payment options3



Find out more

Things you should know:

2Maximum loan amount for non-business applicants under 23 years of age is $25,000.

3The maximum vehicle age at the end of the loan terms is 8 years for any loan with a balloon repayment.

4If not registered for GST the maximum loan amount is $35k. The maximum loan amount for a start-up business is $50k.

6Interest rate loadings apply to older vehicles, resulting in higher interest rates. Call 13 11 33 or speak with your local Liberty Adviser for details.

7An interest rate discount of 0.25% p.a. applies for new and used plug-in electrical vehicles. Hybrids excluded.

^Other fees, charges and commissions may apply.

^^Early termination fees such as break costs may apply.