Documents you need for a car loan

Having your documents ready is the easiest way to speed up your application. Requirements vary between lenders, but this checklist covers what is typically needed.

For most borrowers

• Photo ID such as a driver licence or passport
• Proof of income, such as recent payslips or an employment letter
• Bank statements, shared securely through Experian Bank Statements with your online banking login. You do not need to download or send them yourself
• Details of the vehicle you are buying, or your budget if you are still looking
• Details of existing loans and credit cards

If you are self-employed

• Tax returns and notices of assessment
• Business activity statements (BAS)
• Profit and loss statements, if available
• Your ABN details

If you are refinancing

• A recent statement from your current lender
• Your payout figure
• Vehicle registration details

Low doc commercial loans

If you cannot provide full financials or recent tax returns, a low doc commercial loan may still be possible. You will generally need one of the following:

• Asset backing, such as owning property
• Checkable credit history on a similar loan
• A deposit

Read our low doc commercial loans guide for how it works.

Your specialist will confirm exactly what is needed for your situation, so you only gather what you need.

Updated October 2026. General information only; not financial, legal or tax advice.