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The Smarter Way to Get a Low Doc Car Loan!

Having trouble with getting car finance because you’re unable to get all the supporting documents required by conventional lenders?

As leading car brokers, we may be able to help!

We can help you with getting a low doc car loan.

Enter your details below and one of our car experts will be in touch.

Who is a low doc car loan for?

A low doc car loan is suitable for individuals who are having trouble with collecting all the supporting documents typically required for other forms of car finance.

Low doc car loans come in 2 forms:

  • Secured – This is the type of loan where you use either a car, boat, motorbike or your home as collateral or guarantee. The loan is secured by the asset and if the loan defaults, the lender can take it and sell it to recoup their losses should you default on the loan.
  • Unsecured – A loan that is mostly based on your credit worthiness and credit profile. No collateral is required. In general, interest rates are higher for an unsecured personal loan.

*Loan terms vary from 6 months to 60 months. Terms can be longer depending on your needs and personal situation.

Why choose eCarz for low doc car finance?

  • The lowest Interest rates available
  • Customised finance solution that best suits your needs
  • A panel of over 40 lenders to get you the best deal
  • Speedy approval (Some within 10 seconds!)
  • High approval rating – We are the finance experts
  • No-Obligation free quotes
  • Customer satisfaction guaranteed – check out our testimonials

* based on a commercial contract for a new vehicle with specific criteria.

Click here for other car finance options.

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Frequently Asked Questions!

What is a low doc car loan?

A low doc car loan is a form of credit that allows the borrower to finance their car purchase with fewer documents than usually required. A low doc loan is perfect for entrepreneurs, small business owners, self-employed individuals, freelancers, or anyone who is seeking car finance but is finding it hard to prove the stable income requirements of conventional lending.

How long are the loan terms with low doc finance?

Loan terms on low doc car finance range from 6 months to 60 months. Terms, however, can be longer and structured to your individual needs and personal situation.

Are interest rates higher on low doc car finance?

While interest rates can be higher on a low doc loan to take into account the additional risk born by low doc car loan lenders, this is not always the case. As leading car finance brokers, we’ve secured low doc loans for our customers with interest rates comparable to conventional financing. Speak to us for the best deal on your next car.

Can I get a low doc loan with bad credit?

Yes, our team of bad credit car finance specialists has successfully secured low doc financing for customers with a bad credit rating when all hope seemed lost. Get in touch to see how we can help you.

Can I get 100% car finance with a low doc loan?

Yes! At eCarz, we work with over 40 leading lenders and can secure up to 100% finance on your next car loan. While an initial deposit or a trade-in to reduce the cost of your new car can increase the chances of a fast approval, it is not a requirement for all low doc car loan lenders.

How long does it take to get a low doc loan?

The process from enquiry to approval can vary on a case by case basis, in some cases, we’ve secured amazing deals for our customers within minutes of their initial online application.

How do I apply?

Applying for a low doc loan with eCarz is easy! Simply fill out your details above or call us on 1300 378 387 and a finance specialist will be in touch to collect all the necessary details to secure you the best deal from our range of low doc car loan lenders.

Can I get a pre-approval?

Yes, our team can get you the pre-approval you need to shop for a car with confidence. Call us for more information today.

Do you have other car financing options if I don’t qualify for a low doc car loan?

Yes, at eCarz, our team of car finance Brisbane specialists can secure you a finance option that is specifically tailored to suit your needs. We can arrange car leasing, novated leases, chattel mortgages, hire purchase agreements, bad credit car financing, and more.

Can I get a low doc car loan on a used car?

Yes, our dedicated eCarz team can help you get the finance you need on both new and used cars from our range of low doc car loan lenders! Contact us today.

Do you offer a car buying service in addition to low doc car finance?

Yes, at eCarz we are a full-service vehicle broker that can handle the entire car buying service for you. Just let us know what you’re looking for, and our friendly and knowledgeable team will do the research, negotiating, and financing on your behalf to ensure you get the best deal on your new or used car. With a proven record in helping clients save time and money and avoid the hassles of negotiation, buying your next car with eCarz is easier than ever!

Read What Our Customers Says About Us

  • review rating 5  I was recently required to purchase a commercial vehicle for my business Ace was able to obtain a great price within 1 hour At the insistence of my financier, I agreed to allow his car broker to obtain a quote for me also. After 1 day the best price he could obtain was still $1500 more than the quote from Ace. Ace secured the deal and was even thankful enough to meet me at the handover of the vehicle. Great price Great service Thanks Ace

    thumb Ron Fenner
    8/04/2019
  • review rating 5  I would like to thank you and your team, Jason for all of your efforts during the boat purchasing process. You guys know your stuff and have acted very professionally and highly capably from the very beginning of the first enquiry.

    thumb Damien Borrow
    5/21/2020
  • review rating 5  Working with Ace and his team was super easy which made our purchase even easier than expected. We'd picked our preferred car and eCarz did the rest. 3 days later we had our new car in the driveway! Wonderful experience to say the least. We are organising a motorbike purchase now and we have absolute confidence that eCarz will get it done for us just as quickly! Thanks team eCarz!!

    thumb Andrew Harvey
    10/19/2019
  • review rating 5  Kerry-Anne was absolutely amazing - very professional and so helpful at explaining all the aspects of taking out finance. She really took the stress out of finding the best loan. Would highly recommend!

    thumb Kelly Gilbert
    12/17/2019
  • review rating 5  Would give more stars if it allowed me but highly highly recommend eCarz! Ace stepped in after a long and hopeless process to getting me in a new car, within 24 hours I was approved and driving away with a massive smile on my face!:) Ace and the eCarz team made this process the most uncomplicated and easy sailing process I’ve had since searching for a new car. Absolutely put their customers needs first above and beyond anything else. Thank you so much for stepping in and helping me through what was a very tough process and making it feel like I had someone finally in my corner fighting alongside to get a perfect result! 10/10 recommend

    thumb EmJ Rick
    7/28/2019
  • review rating 5  Kerry-Anne was fantastic, helped us enormously, and nothing was too much trouble for her. Unreservedly recommend her and eCarz for any financing requirement. Ours got sorted really quickly and Kerry was there at all stages to assist. Legendary stuff. Thanks all Peter .

    thumb Kathy Goodrich
    5/12/2020
  • review rating 5  Thanks to eCarz for helping us finding finance for our new family member, Sean really knows his stuff and I can recommend anyone to give them a shot!

    thumb Claude Norval
    11/10/2019
  • review rating 5  Spoke with Tammy to secure finance for a new car. She was very friendly to communicate with and kept me up to date every step of the way. I would highly recommend her to anyone looking to secure a loan.

    thumb Chris Foster
    12/02/2019
  • review rating 5  Shane was prompt, professional and kept me informed every step of the way. I cannot think of the last time I experienced customer service of this high standard. Shane proved he was working in my best interest time and time again. I, and my friends/family will all be talking to him again soon.

    thumb Matthew Byrne
    9/27/2019
  • review rating 5  Tammy kept me up to date with progress all the time. Nothing was too difficult for her to manage and follow up. She always came back with an answer. I felt like I had support 24/7. Extremely positive approach and you are always treated as a valued client. She is changing the face of Finance!!

    thumb Bernard Vandeventer
    10/25/2019

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