what do you need to finance a car

To finance a car in Australia, lenders want proof you’re real, employed, and capable of paying for more than the floor mats.

Expect to provide a driver’s licence or passport, recent payslips or tax returns (if self‑employed), 3–6 months of bank statements, proof of address, and a summary of your assets, debts, and expenses.

They’ll also ask about the car itself (VIN, purchase price, dealer contract or sale agreement) and usually require comprehensive insurance before settlement.

Being 18+, stable employment, and local residency status help; a deposit or trade‑in can sharpen the rate.

Get pre‑approval so you know your budget, then compare rates and fees—balloons, early payout costs, the lot—before signing anything with microscopic footnotes.