AFS Established 1988

Founded in 1988, AFS pioneered the specialist consumer non-conforming and mid-prime auto loan market in Australia and has become a well recognised and respected lending institution when it comes to car finance.

AFS is a specialty consumer finance business that provides credit to consumers resident in Australia for the purchase of motor vehicles and leisure goods such as boats, bikes and caravans. AFS also specialises in providing finance to SME's for vans, trucks and light commercials.

The credit guidelines of AFS’ regulated loan product have been developed over many years and have been designed to streamline the approval process for consumers with established credit and to scale-up verification for consumers whose circumstances fall outside the guidelines of mainstream lenders or are credit impaired.

AFS has a long heritage in consumer lending and was an advocate for taking credit to the Commonwealth, the introduction of the National Credit Code Protection Act 2009 and the general scaling-up of credit providers responsible lending obligations. 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.

In this age of automated banking, it is generally too hard for banks to provide the personal service that they once did. AFS, on the other hand, is a business built on the foundation of personal service. That is why so many Australians choose AFS for all their asset finance needs.

What type of finance are you after?

Car Finance
Ready, Set, Go
Get the green light with an AFS Car Loan

Bike Finance
AFS make it easy to go the whole hog on your next motorcycle.

Boat Finance
Don't miss the boat!
With finance from AFS you'll be cruising.

Caravan Finance
Enjoy the great outdoors! Arranging finance for a caravan, motorhome or RV is a breath of fresh air with AFS.

Camper Trailer Finance
The camper trailer is perfect for our Aussie camping lifestyle. Hook up and explore Australia with a low rate loan from AFS.

Jet Ski Finance
Summer's here! AFS can get you out on the water with a new or pre-loved jet ski or personal watercraft.

AFS Credit Guide
As a licensed credit provider, we are required to give you a Credit Guide as soon as practicable after it becomes apparent to us that a credit contract is likely to be entered into.
Our Credit Guide includes information about us, our responsible lending obligations, and our dispute resolution process.
Peace of Mind & Security
Founded in 1988, AFS has been approving loans for its customers for 30 years
Premier Funding Solution
AFS funds its loans through its own trust structure with senior debt provided by Westpac Institutional Bank.
Competitive Interest Rates
Whether you're buying a new or used car, we'll make it quick and easy, at a rate that will interest you.
Fast Approval
It's easy to apply online and we can approve your loan before you start shopping.
Learn more about
AFS Interest Rates
Check out our Interest Rates for our fixed rate loans for either personal use or business use.
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AFS Fees & Charges
Check out AFS' Interest Rates below for our fixed rate loans for either personal use or business use. Learn more about our loans.
To understand more about AFS' secured Personal Loans, review our 4 consumer products