Australia's Home Of Cheap Self Employed Vehicle Finance Rates
Self Employed Vehicle Loans
Are you self-employed and looking for vehicle finance for a car, van or ute? We deliver faster approvals, tailored repayments and better terms than banks and dealerships.
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Compare 80+ lenders in seconds. Free service. No credit impact.
95%
Approval Success Rate
$380M+
Total Volume Funded
24
Hour Decisions
$0
Cost To Use Our Service
Self Employed Vehicle Finance Australia
Want the best rates on self employed vehicle finance? You've found the right place. We've help secure competitive deals for vehicles including vans, utes and cars.
Whether you're purchasing your first vehicle, replacing an existing car, van or ute, or expanding a fleet, we can arrange self employed vehicle finance for new and used vehicles purchased from dealerships, private sellers or auctions.
We cut through bank delays and rigid lending criteria, structuring finance around your business and offering low-doc, lite-doc and full-doc applications, flexible repayments, balloon payment options and early payout flexibility. With access to 80+ lenders, we compare rates, terms and structures across our entire panel to match your application with the lender best suited to your credit profile, ABN history and cash flow position.
The result? Faster approvals, lower rates and better terms designed to support your business growth for the long haul.
Get in touch with Simon and our experienced team today for a free, no-obligation quote and discover how much you could save on your self employed vehicle finance.
Car Brands We Finance
We arrange competitive self employed car finance for all types.
- Toyota
- Ford
- Mazda
- Hyundai
- Kia
- Mitsubishi
- Nissan
- Subaru
- Tesla
- Volkswagen
- Isuzu
- BMW
- Mercedes-Benz
- Audi
Range Of Solutions
We provide custom solutions to support your business at every stage of growth:
- No doc car finance
- Low doc car finance
- No deposit car finance
- Bad credit car finance
- Self employed vehicle and car loans
- Company vehicle and car loans
- ABN vehicle and car loans
- Used car finance
- Chattel mortgage
- Finance & novated leases
- Commercial hire purchase
- Sole trader car finance
Unbeatable Rates - Always Compare Before Signing
We're known for securing the cheapest vehicle finance rates, consistently beating quotes from banks, dealerships, and other brokers. Through our free vehicle loan comparison service, we'll compare any quote against our panel to secure you a lower rate with reduced repayments. Never rely on a verbal interest rate. Many brokers and dealer quote rates over the phone without disclosing all fees and charges, making finance appear cheaper than it really is. That's why it's essential to get your quote in writing to compare actual repayments, as they reveal the true cost of the loan. If you've received a quote, send it through for a free review. We'll break down the interest rate, repayments, fees, loan structure, and total cost, identify any hidden charges, and let you know if a better deal is available. A few minutes spent comparing finance options could save your business thousands over the life of the loan.
Why Use A Vehicle Finance Broker?
At Overdrive Funding, we do more than arrange vehicle loans — we help businesses secure the right finance solution to support growth and improve cash flow. Rather than being limited to one bank, we compare over 80 lenders to access competitive rates, flexible terms, and stronger approval opportunities. Whether you're financing a ute, van, car, or an entire fleet, we tailor vehicle finance solutions to suit your business needs. Our goal is simple: make vehicle finance faster, easier, and more affordable while helping you secure the best possible outcome.
Get Pre-Approved Before You Buy
A car finance pre-approval gives you a real edge when buying from a dealership, auction or private seller. We'll confirm your borrowing capacity, interest rate, loan term and estimated repayments upfront, so you know exactly what you can afford before you start shopping. With decisions available in as little as 24 hours and approvals valid for 90 days, you'll be ready to move the moment the right asset comes up. Found it? Send us the invoice and we'll arrange settlement and release the funds.
No-Deposit Car & Vehicle Loans
You don't always need property security or a large deposit to get approved. For asset-backed businesses with at least two years of GST registration, zero-deposit car finance is available. Some lenders also offer no-deposit options for non-asset-backed applicants, subject to their credit, servicing and lending criteria. We'll tell you exactly what you qualify for upfront — no guesswork.
Why Choose Us As Your Broker?
- Free service with no upfront costs or hidden fees
- 30+ years experience and industry knowledge
- Australian family-owned and operated
- We save every client time and money
- No wait times, direct access to Simon every time
- We can beat bank, dealer and competitor quotes
- Fixed rates, low repayments & flexible terms
- We protect what matters—your credit score
- We build trust by being honest and transparent
- Established, new and 1 day ABNs
- Expert and strategic negotiation approach
- Solutions for various credit profiles
- Tax benefits (asset depreciation)
- Built a loyal client base due to our rates & service
- Support for the lifetime of your business
Can't Be Beaten On Price Or Service
Looking for the best deal on car & vehicle finance? We service all major cities and surrounding areas in: NSW, VIC, QLD, WA, SA, TAS, ACT and NT.
Low Doc, Light Doc & Full Doc Business Vehicle Finance
When applying for business vehicle finance, lenders will generally offer Low Doc, Light Doc or Full Doc options. The right choice depends on your business structure and the financial records you can provide.
Low Doc Business Vehicle Finance
Light Doc Business Vehicle Finance
Full Doc Business Vehicle Finance
| Feature | Low Doc Business Vehicle Finance | Light Doc Business Vehicle Finance | Full Doc Business Vehicle Finance |
|---|---|---|---|
| Financial Statements Required | No | No | Yes |
| BAS Statements Required | No | Usually | Sometimes |
| Business Bank Statements | Not Usually | Yes | Sometimes |
| Approval Speed | Fastest | Fast | Standard |
| Interest Rates | Higher | Competitive | Most Competitive |
| Borrowing Capacity | Up to $300k | Up to $300k | Up to $5m+ |
| Ideal Outcome | Quick approval with minimal paperwork | Balance of flexibility and pricing | Best pricing and maximum borrowing power |
Which Option Is Right For You?
Need help deciding? Our finance specialists will assess your circumstances and recommend the most suitable asset finance solution for your business.
| If You Are... | Recommended Option |
|---|---|
| Self-employed or businesses with limited financial records | Low Doc |
| Businesses with bank statements and BAS available | Light Doc |
| Businesses with full financials | Full Doc |
Low Doc Business Vehicle Finance
Low Doc finance is designed for borrowers who want a simple, streamlined approval process. In most cases, no financial statements or BAS statements are required. Approval is generally based on your ABN history, credit profile, and the asset being financed.
Light Doc Business Vehicle Finance
Light Doc finance provides a middle ground between Low Doc and Full Doc lending. Borrowers can often qualify using recent business bank statements and limited supporting documentation, without the need for full financial accounts.
Full Doc Business Vehicle Finance
Full Doc finance is suitable for borrowers who can provide complete financial records and supporting documentation. This option typically offers the most competitive rates and highest borrowing capacity.
Overdrive vs Bank
Bank Rates Without the Wait
Why businesses and owner-operators bypass the bank for vehicle finance:
Not every business fits a bank template. A bank gives you one rate card, one credit policy and one solution.
Overdrive Funding provides access to the major banks including 80+ lenders and a complete suite of asset finance solutions. Lenders compete for your application, you choose the offer that suits.
GOING THROUGH OVERDRIVE FUNDING
MULTIPLE LENDERS, ONE APPLICATION
GOING TO BANK
ONE RATE, ONE CREDIT POLICY
Overdrive vs Broker
Not All Finance Brokers Are Equal
What makes Overdrive Funding different from a typical finance broker:
Any broker can submit an application. The difference is expertise, access, and service.
Overdrive Funding is a specialist in business vehicles, trucks and equipment — with relationships across 80+ lenders including specialist vehicle financiers most brokers don't have access to.
Our director works directly with every client. We're available 7 days a week, and we stay involved from enquiry through to settlement and beyond.
OVERDRIVE FUNDING
SPECIALIST BROKER, PERSONALISED SERVICE
TYPICAL FINANCE BROKER
LIMITED PANEL, GENERALIST APPROACH
Overdrive vs Dealership
Don't Let The Dealership Choose Your Finance
Why smart buyers arrange vehicle finance independently before stepping into a dealership:
Dealership finance is convenient — but convenience comes at a cost. Dealerships earn commission on the finance they sell you, which means the rate you're offered is rarely the best available.
Arranging finance through Overdrive Funding before you shop gives you pre-approval, negotiating power, and the freedom to choose the right deal — not just the easy one.
OVERDRIVE FUNDING
MULTIPLE OPTIONS, INDEPENDENT ADVICE
GOING THROUGH DEALERSHIP
ONE OPTION, THEIR RATE
Our Simple Process
Consult, Offer & Decide Together
Speak to one of our experts about your business needs, and we'll offer tailored finance options, ensuring we secure the best rates for your specific asset and situation. We'll go over terms and decide which is the best solution for you.
Conditional Approval
We conduct a soft-touch evaluation of your profile to match you with the right lender for pre-approval. Once you're pre-approved, you can shop confidently for 90 days. If you've found your vehicle, we'll initiate the process and take care of all the admin.
Sign Documents and Get Funded
When the lender is prepared to settle, you'll receive the contract for your review and signature. After settlement, it's time to pick up your asset.
On-Going Support
Once your loan is completed, we'll support you with any related admin, such as payouts, statements, etc.
Lending Panel
Access to 80+ Lenders In One Place
Access to Australia's leading commercial lenders lets us compare the market and tailor competitive, flexible finance solutions to each client\'s unique needs.
