Trailer Finance Application Checklist: What You Need
Having the right paperwork ready is the easiest way to speed up approval. Use this checklist to get organised before you apply.
Everyone
- Driver licence or other photo ID
- Current residential address and how long you've lived there
- Details of your existing loans and credit cards
- Contact details for your accountant, if you have one
The trailer
- Dealer quote or tax invoice, or a private sale agreement
- VIN or serial number, make, model and year
- Registration details, if registered
- For private sales: seller ID and a PPSR search result
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- Recent payslips or other proof of income
- Recent bank statements, often provided through a secure link
- An honest picture of your regular living expenses
Sole traders and partnerships
- ABN, and GST registration details if registered
- Recent business bank statements
- Recent tax returns and notices of assessment, for full doc
- BAS statements, if using a low doc approach
Companies and trusts
- Company or trust details, and ID for all directors or trustees
- Recent financial statements and tax returns
- Business bank statements
- Details of any ATO debt and payment arrangement
Low doc applications
Low doc lending replaces full financials with simpler evidence, typically:
- An ABN registered for a minimum period (varies by lender)
- Recent business bank statements
- Recent BAS statements, or an accountant's letter confirming income
- A signed declaration that you can afford the repayments
See low doc trailer finance for more.
Tip: before submitting, look over the bank statements you're providing. Dishonoured payments, gambling transactions or unexplained large transfers will be noticed, so it's better to explain them up front.