Just three steps — a bit about you, the vehicle and your plan, and a few documents. Most people finish in around five minutes.
🔒 Applying won't affect your credit score.
1
About youYour details and visa
2
Vehicle & businessThe car, your plan, your documents
3
Contact & consentConfirm & submit
1
2
3
01
About you
Your name as it appears on your ID, and your visa.
Your visa
Visitor and working holiday visas are not eligible.
Enter your visa subclass number.
⚠️
This visa type may not be eligible. We finance holders of eligible study and work visas — visitor and working holiday visas aren't covered. You can continue, but your application may not proceed.
02
Vehicle & business
The vehicle must be income-generating, used 50%+ for business.
The full price of the vehicle you're buying.
Deposit required (20%)Must be available in your bank account
$—
We finance the remaining 80%
$—
Your Australian Business Number (11 digits).
0 / 20 words
Documents
Uploaded only to verify your identity and eligibility. Stored securely, never shared for marketing.
Clear photos or scans. Accepted: JPG, PNG or PDF. Max 10MB each.
🌏
Applying on a foreign licence? That's fine — we accept foreign driver licences and passports. An Australian driver licence isn't required to apply.
🎓
Studying on a student visa? Uploading your COE isn't required, but it helps us verify your enrolment and can speed up your assessment.
03
How do we contact you?
Add your contact details, then read and confirm before you submit.
✅
Verify with either email or SMS — you only need to complete one of the two verification codes below to continue.
We'll send your application outcome here.
Enter the 6-digit code sent to your email.
Didn't receive it?
✅ Email verified
Australian mobile number, e.g. 04XX XXX XXX.
Enter the 6-digit code sent to your mobile.
Didn't receive it?
✅ Mobile verified
Business purpose declaration
IMPORTANT: You should only sign this declaration if this loan is wholly or predominantly for business purposes. By signing this declaration you may lose your protection under the National Credit Code. The vehicle financed will be an income-generating vehicle used 50% or more of the time for business purposes.
Typing your name here acts as your electronic signature on the Bixcel Privacy & Credit Consent declaration above.
🔒 Submitting won't affect your credit score. By submitting you agree to our Privacy Policy.
Great news — you're Pre-Approved!
We're excited to let you know your application has been Pre-Approved. Just one more step — submit your banking details for Final Approval assessment.
Your reference number
SCL-———
Next step
Submit your banking details for Final Approval assessment.
Securely connect your bank account using our read-only link. It's quick, secure and takes about 2 minutes.