The documents you need for truck finance depend on whether you go full-doc or low-doc. Here’s the checklist.
Key highlights
- Documents depend on whether you go full-doc or low-doc
- Low-doc typically needs ID, ABN and GST details, plus a simple declaration
- Bank statements or BAS may sharpen the rate on lite-doc deals
- Full-doc financials unlock the lowest rates and larger limits
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Low-doc
For eligible asset-backed low-doc deals, you’ll typically need your ID, ABN and GST details, and the truck’s details — plus a simple declaration. Some lenders ask for recent bank statements or BAS (lite-doc), which can sharpen the rate.
Full-doc
For the lowest rates and larger limits, lenders want full financials: recent tax returns, financial statements and BAS. Established operators with up-to-date books get the best pricing and borrowing power this way.
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