Why AFS?

Our valued customers are open about telling us why they choose AFS over their bank or credit union when it comes to asset finance. Here are just some of the reasons.:


Peace of Mind

Founded in 1988, AFS has been approving loans for its customers for 30 years.

Security & Trust

AFS is funded by Westpac Institutional Bank which has assets in excess of $900 billion.

AFS is a subsidiary of Money3 Corporation Limited ACN 117 296 143 (Money3) (ASX:MNY).

Competitive Interest Rates

AFS is able to provide competitive personal loan & business loan interest rates that provides a real alternative to the banks. Learn more about AFS Interest Rates.

Simple, Fast Application

Applying for a loan online is fast and easy with AFS. Complete your application is 6 easy steps or talk to one of our loan experts.

Buy with Confidence

AFS enables you to get approved before you start shopping - that way you'll have the confidence negotiate a great price.

All Vehicles Types Accepted

Whether your buying a New, Used, Import, Classic, Restored or Vintage vehicle, AFS has no restriction on the type or age of the goods you are buying.

Dealer, Auction & Private

Shop where you're likely to get the best deal; online or offline, from a dealer, auction-house or a vendor selling the goods privately. AFS empowers you.

Leisure Goods

Whilst AFS specialise in cars, we also finance motorbikes, boats, caravans, camper trailers and other leisure assets.

Private or Business

Finance for whatever you need. Whether you want to upgrade the family car, buy a new van or truck for you business, or splash out on a new personal watercraft (PWC), AFS provides asset finance for consumer and commercial purposes.

Flexible Loan Terms

AFS will help you structure your loan to suit your requirements & objectives. You can make your payments weekly, fortnightly or monthly by Direct Debit, Deposit Book or BPay.

Flexibility & Understanding

AFS understands that people move house, change job and move on in relationships. By telling us about the background to recent changes in your life we can provide a positive answer based on all the facts.

Auto-Smart People

Whilst AFS makes use of technology to process a loan application, the ultimate decision is judgemental meaning we can look after those clients that may not fit the lending criteria of the main stream banks.

AFS understands that bad things happen to good people and can assist you if you’ve struggled to manage your finances in the past and have defaults listed on your credit report. Our aim is to lend responsibly and rehabilitate your credit rating.

Deciding to go bankrupt is a stressful decision and greatly impacts your ability to borrow. Once discharged from bankruptcy, AFS can assist you rehabilitate your credit rating.

Consumer Car Loan Essentials

Interest Rates from:

7.97% p.a.* Fixed Rate

9.45% p.a.^ Comparison Rate

  • Borrow between $5,000 to $100,000 for a new or used car
  • A great interest rate: Compare us to your bank
  • Fixed interest rate for the life of the loan
  • Pay as frequently as you like: weekly, fortnightly or monthly
  • Choose a term from one to five years. Seven year terms on request only
  • Make extra payments when you like
  • Ability to purchase your car from a dealer, auction house or private vendor
  • No restriction on the age of the car you want to purchase

* 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 - $100,000 and where where the applicant owns or is buying a property and has an established good credit history. 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 applicant's credit score and associated credit risks. Credit provider is Automotive Financial Services Pty Limited – 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. 

Get more out of life with an AFS car loan

Before hitting the throttle, check to make sure you have all of this necessary info handy:

  • Driver's Licence or Rider's Licence
  • Contact Details
  • Financial Details (Income and Outgoings)
  • Requirements and objectives for a loan
  • Credit Details (Previous and current)