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

Ready to get moving?

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.

Request a call back

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Our innovation and flexible solutions have helped over 850,000 free thinkers.

Free thinkers like us see the possible!

When others see the impossible, we look past that and see what we can achieve together.

We’ve helped more than 850,000 customers get financial.

Supporting free thinkers from diverse backgrounds for over 25 years.

Proudly B Corp certified to make a difference beyond borrowing.

Championing women in sport to make a difference on and off the field.

Experts in free-thinking finance

Learn more about free-thinking loans

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.