Key highlights
- Car finance without BAS is possible for eligible applicants
- Bank statements or an accountant's declaration may replace BAS
- Deposit or property security can strengthen your case
- One broker, 80+ lenders compared for low-doc options
- Obligation-free quote via a soft check only
Business Activity Statements are a common part of a finance application, but not every business has them on hand, especially if you are newer or not registered for GST. Car finance without BAS is still possible for eligible applicants. Here is how.
Do you need BAS for car finance?
While many full-documentation loans ask for BAS, a range of low-documentation products do not. Overdrive compares 80-plus lenders, and some are comfortable assessing an application without BAS provided other evidence supports it, subject to their criteria.
What can replace BAS for finance?
In place of BAS, lenders may look at bank statements, an accountant's declaration, your credit history, a deposit or property security. If you are not registered for GST, that alone does not necessarily rule you out of business car finance.
How do you find the right lender?
The key is applying to a lender whose documentation requirements suit what you can actually provide. Any GST or reporting questions are best confirmed with your accountant or registered tax adviser.
Can't supply BAS but need a work vehicle? Request an obligation-free quote from Overdrive. It is a soft check that won't affect your credit score.
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