In lieu of payslips, self-employed people in Sydney can apply for a basic, private-use car loan by submitting tax records from the past two financial years. If you are unable to do so, you will be limited to commercial credit products, such as a low-doc car loan. This permits you to submit records like profit and loss statements, BAS, and an income declaration instead, but your car must be utilised for business at least 50% of the time.