Quick answer: Potentially some or all, depending on lender policy and history. Base salary is usually easier to evidence than overtime, commission, allowances or bonuses. Do not assume the lender will annualise the highest recent payslip or count a one-off bonus as permanent servicing income.
Questions borrowers commonly ask
- My new role includes a vehicle allowance — does that improve the car-loan application?
- Why do lenders shade overtime or commission instead of counting 100%?
- Can I use annual allowances to justify a bigger car loan?
Separate base from variable earnings
Show base salary, overtime, commission, bonus and allowances separately. That makes the income story auditable.
History is the key variable
YTD earnings, previous-year figures and occupational consistency help show whether variable income is likely to continue.
Vehicle allowance has a purpose
An allowance may support actual vehicle costs, but it is still income that must be treated according to lender policy and tax/employment facts.
Do not size the car from the best month
If the loan only works by annualising one exceptional commission or overtime period, the budget is fragile.
General information only. Approval, pricing, fees, income treatment and vehicle eligibility depend on the lender, borrower circumstances and contract.
Frequently asked questions
Will lenders use 100% of overtime?
Some may under particular policies; others average or shade it.
Can commission count?
Potentially, with sufficient history.
Does a car allowance count?
Potentially, depending on lender treatment and evidence.
Can a bonus count?
A one-off bonus may not be treated as recurring income.
Sources and verification
Related GPS Finance resources
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