Celebrating 30 years of car loans!

Founded in 1988, AFS is a licensed credit provider that specialises in consumer and commercial loans for the purchase of motor vehicles and leisure goods such as boats, bikes and caravans.

AFS is committed to understanding your requirements & objectives. At AFS we aim to provide you with a credit product that suits your needs and financial situation, and deliver the highest level of personal service efficiently, honestly and fairly. By offering flexible solutions tailored to your personal circumstances or those of your business, AFS can help you buy the car, boat, bike, caravan or light commercial of your dreams.

AFS is represented throughout Australia by an extensive network of licensed finance brokers located in most major cities and regional centres, or you can choose to deal direct with AFS and give yourself credit.


Have peace of mind knowing that AFS is funded by Westpac Institutional Bank and has been around since 1988. Enjoy a private bank like experience today.

About AFS

AFS is a secure and trustworthy alternative source of finance for families and businesses when it comes to buying a car, boat, bike or caravan.

Latest News

Keep up to date with the latest news on car finance, new product offers, interest rates and recent industry developments.

Understanding how we set Interest Rates

Understand the important factors that lenders like AFS take into account to determine your interest rate. Find out more about interest rates.

Resolving Problems 

At AFS, we welcome every opportunity to resolve any concerns you may have with our products or service. We understand that unexpected events can happen and you find yourself experiencing financial difficulty; AFS is here to help.

Frequently Asked

Find answers to the most common questions about car loans here.  FAQs can be a helpful reference point and include information about our loan products, how to apply for & manage an AFS loan and popular topics of interest to our customers.

Responsible Lending Principles

At AFS, we are committed to responsible lending practice. We acknowledge our obligation to market our products responsibly in line with the expectations of customers and the community. Our Responsible Lending Principles form the foundation of our commitment to corporate responsibility and sustainable business practice.

Our Principles

  • We seek to lend only what our customers can afford to repay
  • We market our products and services responsibly
  • We support customers facing financial hardship
  • We help to improve our stakeholders' financial literacy and capability.



We’re Part of Something Bigger!

Automotive Financial Services is a Money3 Corporation Limited (ASX: MNY, “Money3” or the “Company” or the “Group”) company. In 2005, Money3 Corporation was incorporated and then listed in 2006 on the Australian Stock Exchange. It currently operates under two main brands in Australia, Money3 and Automotive Financial Services, while under a single brand in New Zealand, Go Car Finance.


Money3 likes to give its customers ‘a fair go’ and a second chance; it specialises in offering car loans, other vehicle finance and personal loan options to Australian residents who are often excluded by other mainstream finance providers.

Automotive Financial Services

AFS is a licensed credit provider that specialises in consumer and commercial loans for the purchase of motor vehicles and leisure goods such as boats, bikes and caravans.

Go Car Finance

Go Car Finance offers complete car finance package solutions including regos, servicing, WOFs, repairs and insurance to residents of New Zealand.