It’s important to be across the documents and other information you’ll need as part of your car loan application, as not having all of these will hold up your application and lead to delays. The information you’ll need to supply will be:

Proof of identity

You’ll be required to submit one of the following when applying for your car loan in-branch:

• One form of primary photo ID (such as a driver’s licence)
• Two forms of non-photo primary ID (such as a birth certificate)
• One form of non-photo primary ID and one form of secondary ID (such as a utility bill)

If applying online, you’ll be able to use Bankwest’s electronic ID check.

Proof of income

The income documents you’ll need will depend on how you earn your money. If you’re…

• a PAYG employee: two consecutive recent payslips (if not paid into a Bankwest account)
• self-employed: two recent Notices of Assessment from the ATO and tax and financial reports, all from within the past 18 months
• a pensioner: your most recent pension statement
• an investment property owner: a current, signed rental agreement, three months’ worth of rental income deposits in your account, a rental statement from your agent within the past two months or two most recent tax returns (if you’ve owned the property over that period)
• receiving superannuation income: your most recent super balance statement showing consistent payments or three months’ worth of bank statements showing payments in your account if balance statements don’t show this
• receiving SMSF income: your most recent SMSF benefit statement and a letter confirming your payments and balance from your accountant or financial planner

Vehicle information

Information on the vehicle you’re using as security for the loan will also depend on how you’re acquiring it. You’ll need to supply your current motor vehicle insurance certificate as part of this, but the other factors are:

• Dealership purchase: signed contract of sale or tax invoice which display its VIN, engine and registration numbers
• Private purchase: the seller’s current registration papers and payout letter (if it’s still under finance), which will have to include VIN, engine and registration numbers
• Already owned vehicle: current vehicle registration paper for the state you’re living in, including its VIN, engine and registration numbers