Key highlights
- Missing BAS needn't stop a light truck purchase
- Suits the newly GST-registered or those behind on lodgements
- Bank statements or an accountant's declaration can replace BAS
- 80+ banks and non-bank lenders compared
- Soft-check quote won't affect your credit score
Not every business has up-to-date BAS ready to hand over, especially if you're newly GST-registered or your lodgements are behind. Missing BAS doesn't have to stop a light truck purchase. Alternative documents can often do the job.
Can you get truck finance without BAS?
Some applicants aren't yet registered for GST and so don't lodge BAS at all, while others simply haven't caught up. Either way, low-doc lenders on the panel can assess your application through other means, focusing on whether your income supports the repayments rather than on BAS specifically.
What can replace BAS for finance?
Bank statements showing consistent business income, an accountant's declaration, or your broader trading record can substitute for BAS with the right lender. A deposit and clean personal credit strengthen the case further. These options apply to eligible applicants, subject to lender criteria.
Which lenders don't require BAS?
With 80+ banks and non-bank lenders to compare, Simon Kendrick can identify those that don't insist on BAS. For questions about your GST registration or lodgements, check with your accountant or registered tax adviser.
No BAS on hand? Ask Overdrive for an obligation-free quote and Simon will find lenders that work without it. It's a soft check that won't affect your credit score.
Ready to compare cheap rates?
Free quote in minutes, decisions in 24–48 hours. No credit-score impact to enquire.