Get the Right Finance for the Vehicle You Want
Finding the right finance for your next vehicle shouldn’t feel complicated. At AFS, we make it simple, supportive, and straightforward - so you can focus on choosing the car, boat, bike, caravan, camper trailer or commercial vehicle that suits your lifestyle.
Most of our customers are everyday drivers looking for a reliable way to upgrade. Whether you’re replacing an older car, buying a first vehicle, or choosing something safer or more practical for your family, we offer fixed-rate loans, fast decisions, and flexible terms designed to make the process smooth and stress-free.
We look at more than just your credit score. PAYG workers, self-employed applicants, and people with past credit hurdles are welcome to apply1. With 100% finance available and support for dealer, auction, and private sales, you have the freedom to buy the vehicle you want.
From your online application to final settlement, our Australian-based team guides you through each step. Clear information, real support, and dependable service - that’s the AFS approach to vehicle financing.
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Financing Your Next Vehicle FAQs
What types of vehicles can I finance with AFS?
AFS offers finance for a wide range of vehicles, including cars, motorbikes, vans, caravans, campervans, boats, jet skis, horse floats, camper trailers, and even classic or vintage vehicles.
Commercial vehicles and equipment can also be financed for eligible business customers.
How much can I borrow for vehicle finance?
You could borrow between $5,000 and $130,000, depending on the vehicle, your financial situation, and our assessment criteria.
Do I need to provide a deposit to get vehicle finance?
No deposit is required for approved applicants. AFS offers up to 100% finance, helping you get on the road sooner.
Can I finance a vehicle purchased from a private seller or auction?
Yes. AFS supports purchases from dealers, private sellers, and auctions, giving you the freedom to buy from almost any source.
Are there any age restrictions on vehicles for finance?
No. AFS has no age restrictions on vehicles, so you could finance new, used vehicles, imported, or classic models.
What loan terms are available for vehicle finance?
Loan terms range from 2 to 7 years (12 to 84 months), allowing you to choose a repayment period that fits your budget.
Do you offer pre-approvals for vehicle loans?
Yes. AFS offers conditional pre-approvals, usually within a few hours, so you can shop for your vehicle with confidence.
How quickly can I get approved for a vehicle loan?
We aim to provide initial pre-approval decisions on the same day that you apply. However, full approval and settlement typically occur within 24 - 48 business hours once all documents are received.
Can I apply if I am self-employed or an ABN holder?
Yes. AFS accepts applications from PAYG employees, self-employed workers, and ABN holders purchasing business-use vehicles.
Is vehicle finance available to applicants with prior credit issues?
Yes. AFS considers applications from customers with a range of credit histories, including those with past bad credit issues. Each application is assessed individually.
Are the interest rates fixed or variable on AFS vehicle loans?
All AFS vehicle loans have a fixed interest rate, giving you predictable repayments over the life of the loan.
What documents do I need to apply for vehicle finance?
You’ll need to provide identification, proof of income, and recent bank statements. Bank statements are securely retrieved online through illion as part of the application.
Can I make extra repayments or pay off my loan early?
Yes, you can pay off your loan early. However, a pro-rata early termination fee applies as outlined in our Target Market Determination (TMD).
Why should I choose AFS for my vehicle finance needs?
AFS offers flexible terms, fast approvals, and finance for a wide range of vehicles with no age restrictions.
With over 30 years of experience, fixed-rate confidence, and all applications processed by our Australian team, we make vehicle finance simple and reliable.
Learn more about why you should choose AFS.
Things you should know
1 All loans are subject to affordability, suitability and verification.
* Interest rate (Annual Percentage Rate/APR) is only applicable for new goods that have not been pre-owned, where the amount borrowed is between $35,000 and $130,000 and where the applicant owns or is buying a property and has an established good credit history. Finance subject to approval, including the application lending criteria. Terms and Conditions apply. Fees and Charges are payable. Interest rates vary depending on the applicant's credit score and associated credit risks. Credit provider is Automotive Financial Services Pty Ltd - Australian Credit Lcence 383 762.
^ 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.
** Seven year loan terms by request only.
- If you use a licenced finance broker to assist you in applying for credit, there may be other fees and charges payable, such as a finance broker fee or Origination Fee. AFS enables you to finance an Origination Fee as part of the amount of credit up to a maximum value of $990 including GST. An Origination Fee represents the finance broker's fee to provide credit assistance to you. It is a one off fee that is only payable if you proceed with the suggested credit contract. Under the National Credit Code, a Finance Broker is required to give you their Credit Guide, a Credit Quote and, at the same time as providing assistance to you, give you a Credit Proposal Disclosure document which will details all the fees and charges payable and if any commission will be received by the finance broker.