GET YOUR LOAN APPROVED TODAY!

PERSONAL LOANS
Loans to finance cars, motorcycles, boats, caravans and camper trailers for personal use.
BUSINESS LOANS
Choose a loan or lease to purchase a car, wagon, van, truck or light commercial for your business.
REPAYMENT CALCULATOR
Get an estimate of your potential loan repayments for an AFS secured loan.
Forget the banks.
AFS offers competitive rates, flexibility & understanding
We can get you
the car finance you need
from as low as

6.95% p.a*

 

(Comparison Rate 8.22%pa^)

* Interest rate only applicable for new goods that have not been pre-owned and where the applicant has an established good credit history. Finance subject to approval, including the application of applicable lending criteria. Terms and Conditions apply. Fees and Charges are payable. Interest rates vary depending on the applicants credit score and associated risks. Credit provider is Automotive Financial Services – Australian credit licence 383762. ^Comparison rate for AFS Loan Contract and Mortgage is calculated on a loan amount of $30,000 secured over a term of 5 years based on monthly repayments. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. 

Apply online in 6 easy steps

Apply online in 6 easy steps

Applying for a loan online with AFS is straight forward and there are no fees to apply. Get approved before you start shopping - that way you'll have the confidence to negotiate the best deal. 

CAR LOANS
BIKE LOANS
BOAT LOANS
CARAVAN LOANS
CAMPER TRAILER LOANS
JET SKI LOANS

ABOUT AFS

Founded in 1988, AFS is a secure and trustworthy alternative source of finance for families and businesses when it comes to financing a car, boat, bike, caravan or camper trailer. AFS also specialises in providing finance to SME's for vans, trucks and light commercials. Having celebrated over 25 years of car loans and car finance, AFS has become a well recognised and respected lending institution in Australia. The company takes its role in the Australian credit landscape seriously and prides itself on being a good corporate citizen. Most importantly, our professional approach to conducting our credit activities efficiently, honestly and fairly, and within the framework of our responsible lending obligations, ensures we build long and enduring relationships with you - our clients.

WHY CHOOSE US?

Peace of Mind & Security
AFS is funded by Westpac Institutional Bank and has been around since 1988.
Competitive Interest Rates
Whether you're financing a new or used car, we'll make it quick & easy, and give you a great fixed rate loan.
Fast Approval
It's easy to apply online and we can approve you loan before you start shopping.
More than Cars!
Finance also available for motorbikes, boats, jet skis, caravans & camper trailers.

NEWS BLOG

MoneySmart Cars App

Understand the real costs of buying and running a car so that you make informed choices prior to purchase. Check out the MoneySmart Cars App.

Late Payment?

When should you start to worry about a late payment? The important facts when it comes to managing your household bills so you protect your credit rating.

Classic Car Loans

We all have dreams! Vintage, Classic, Unique, Muscle, Restored and Imported - AFS is the lender of choice for discerning buyers when it comes to classic car loans. Learn more...

Electric Speed Record

Electric car sets world acceleration record by taking only 1.513 seconds to reach 100km/h. Watch this incredible video.

Luxury Car Tax

The threshold for Luxury Car Tax has been increased but Australians appetite for luxury brands strengthens. Read more on Luxury Car Tax.

Win for Salary Packaging

A clear direction on policy for salary packaging by Opposition Leader, Bill Shorten, provides confidence to car buyers.

Add-On Insurance:
Buyer Beware!

ASIC warns consumers about add-on car insurance sold by car dealers that is "expensive", "poor value" and provides "very little to no benefit"

Lemon Laws

Queensland Government conducts inquiry into "lemon laws" and looks to improve consumer protection.

Low Rate Car Loans

An AFS car loan is the perfect way to finance your new or used car & the interest rate is fixed for the life of the loan.

 

AFS Personal Loan Options

 

Car Loans
Peace of Mind & security that you're dealing direct with the credit provider.
Bike Loans
Great rates ensure you'll score a serious motorbike.
Boat Loans
Fast Approval ensures you'll be enjoying our great waterways in no time.
Caravan Loans
Our unrivalled personal service is a breath of fresh air.

 

AFS Business Loan Options

 

Commercial Loan
Get your business moving with a Commercial Loan from AFS. Get a fixed contract but enjoy the benefit of owning the goods.
Hire Purchase
Ready, Set, Hire. Hire the vehicle of your choice for a fixed amount & period, and own it at the end.
Business Lease
Get your business moving with an AFS Lease. Enjoy no initial cash outlay, a fixed cost contract, and preserve your cash flow to grow your business.
Novated Lease
Make the most of your salary package with a Novated Lease from AFS. Payments from pre-tax earnings and you keep the equity built up in the vehicle, not your employer.