Finance | EMB Garage Pty Ltd

Fast finance available.

Our brokers have access to all types of available lending in Australia. Not only can we guarantee you the lowest rate available, our customer experience is the best on offer. We’ll deliver you fast and timely finance and advice, all at a low cost!

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FAQ

Here are questions and answers tailored to clients regarding the requirements for car finance approval:

What credit score do I need to qualify for car finance?

While there is no fixed minimum credit score, most lenders prefer a score of 550+ for standard approvals. However, if your score is lower, we can still explore tailored finance options, including specialist lenders who work with clients in unique financial situations.

What documents do I need to provide for car finance approval?

Lenders typically require:
• Identification (Driver’s license, passport)
• Proof of income (Payslips, tax returns for self-employed clients)
• Bank statements (Last 3–6 months)
• Asset & liability details (Existing loans, credit cards, or property ownership) Providing complete and accurate documents speeds up approval times.

How much deposit do I need for car finance?

A deposit isn’t always required, but having at least 10-20% of the vehicle’s value can improve your approval chances and lower repayments. High-net-worth individuals or those with strong financials may qualify for no-deposit finance.

Can self-employed or business owners get car finance without full financials?

Yes, there are low-doc car finance options available for self-employed professionals and business owners. Instead of full tax returns, lenders may accept:
• BAS statements
• Bank statements
• Accountant declarations
These options are ideal for clients with strong cash flow but limited traditional financial documentation.

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