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Put AFS on your Lender Panel Today!

Get Accredited Today.

AFS now provides a convenient online loan application process for Licensed Finance Brokers. If your clients require credit to purchase a car, motorcycle, marine vessel, caravan or light commercial, then AFS' easy 6 step online loan application will ensure you provide your client with a fast, positive answer.

AFS understands that a favourable answer & fast turnaround time is highly important to dealers, finance brokers & the customer.

Broker & Dealer Advantages

Some of the advantages in dealing with AFS directly are:

Competitive Interest Rates

AFS is able to provide competitive personal loans rates that enables you to compete with the banks. Learn more about our rates:

AFS Interest Rates

Generous Loan-To-Value Ratio

AFS will lend up to 120% of the Glass's Guide Above Average value for the goods, adjusted for kilometres, and a further 30% (up to 150%) for add-ons such as brokerage and insurance.

Customer Profile

AFS is able to assist a broad range of borrower with credit profiles from Prime to Sub-Prime, including those that are credit impaired or have been discharged from bankruptcy.

Fast Turnaround Times

Our Time-To-YES for prime deals in under 30 minutes. Put us to the test.

Judgmental Decisions

Whilst AFS make use of technology to process a loan application efficiently, the ultimate decision is judgmental meaning you can look after those clients that may not fit a generic credit scoring model.

Aged Vehicles

When your client is buying a unique or older vehicle - AFS has no restriction on the age of the goods.

Imported & Exotic Vehicles

Grey imports are accepted at AFS provided they are listed by Glass's Guide. One-off imports and restored vehicles also considered.

More than Cars

Whilst AFS specialise in cars and light commercials, we also finance motorbikes, boats, caravans and other leisure goods.

Private Sales

Your client can purchase their vehicle or leisure goods from a private vendor, dealer or auction house.

Bad Credit

AFS understands that bad things happen to good people and can assist applicants that have no more than 2 defaults listed on a credit report.

Discharged Bankrupts

Once discharged from bankruptcy, AFS can assist applicants rehabilitate their credit rating. Depending on the customers profile, AFS may require 20% deposit.


AFS understands that people move house, change job and move on in relationships. By providing the background to recent changes experienced by an applicant we can provide a positive answer based on all the facts.

Nationwide Coverage

Last year AFS settled loans for over 600 dealers across metro and regional Australia.

Peace of Mind

AFS has been servicing the motor industry for 30 years and is funded by Westpac Institutional Bank.

Applicant Criteria

Applicant Criteria

Prior to completing the online application, please ensure that each applicant meets the following criteria:
  • 18 years of age or older
  • Australian Resident
  • Not an undischarged bankrupt or subject to a Debt Agreement or Personal Insolvency Agreement
  • Has no more than 2 default listings in the last 5 years
  • Employment status is not Pension, Student or Unemployed.


Important Notice

You must be a licensed Finance Broker

Important Notice: In order to use the AFS online loan application you must be an employee or Director of an Australian Credit Licence holder or be authorised as a credit representative to engage in credit activities on behalf of the licensee. the National Credit Code Protection Act 2009 prohibits a person from engaging in credit activities without a licence or from 'holding out' that you hold a licence.

Point Of Sale Exemption for Dealers

AFS will deal with the supplier of goods and services, being a dealer, where the business is exempt from holding an Australian Credit Licence under Regulations 23 & 23A of the National Credit Code Protection Regulations 2010.

Client Applications

If you're a licensed finance broker or POS Exempt dealer, please ensure you select the Client Application button from the side-bar menu on this page so that you are able to provide us your contact and email details for AFS to advise you of our credit decision.




Get your client's loan approved fast