Celebrating over 30 years of car loans, AFS has become a well recognised and respected lending institution in Australia for car finance, or getting a loan for a boat, bike, caravan or camper trailer. If you're buying a new or used car, bike, boat or caravan and need finance, AFS has competitive interest rates and an easy online application.

Founded in 1988, AFS is a secure and trustworthy alternative to the banks for families and businesses when it comes to car finance. AFS also specialises in providing business loans and leasing to SME's for vans, trucks and light commercials. We can also arrange a novated car lease for individuals who want to finance their motor vehicle as part of their salary package arrangements.

The company strives to deliver unrivalled customer service to new and existing customers throughout Australia and we pride ourselves 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 continue to build long and enduring relationships with you - our clients.

Forget the banks. If you're buying a new or used car, bike, boat or caravan, AFS has competitive rates and an easy online application. Apply Now.


Loans to finance cars, motorcycles, boats, caravans and camper trailers for personal use.
Choose a loan or lease to purchase a car, wagon, van, truck or light commercial for your business.
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, where the applicant owns or is buying their home, has an established good credit history and the amount borrowed is greater than $30,000 but less than $100,000. 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. 



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.


Best Car Loan Rates

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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.

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Horse Float Finance

Comfort, style & safety. Now is the time to invest in a quality horse float. Learn more about the latest addition to our product suite.


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...

Import Car Loans

AFS is the lender of choice for discerning buyers when it comes to financing imported cars. Stand-out from the crowd! Learn more...

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. Learn more...

Private Sale Car Loans

Buying a used car from a Private Seller?. Learn more about the benefits of financing through AFS and how we protect your interests.

Camper Trailer Finance

AFS specialises in finance packages for camper trailers and accessories. Hook up and enjoy the great outdoors today. Learn more...

Used Car Loans

AFS has no restriction on type or age of second-hand car you can finance. Buy from a dealer, auction house or privately. Learn more...

Bad Credit Car Loans

Sometimes bad things happen to good people. With flexibility & understanding, we can help you re-establish your creit rating. Learn more...

Refinance Car Loan

Looking for a better deal? Has your RV or balloon payment fallen due? When it comes to refinancing your car loan, AFS is the smart alternative. Learn more...


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.