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.:
Founded in 1988, AFS has been approving loans for its customers for 30 years.
AFS is funded by Westpac Institutional Bank which has assets in excess of $800 billion.
AFS is a subsidiary of AFICO Pty Ltd ACN 109 262 357 (AFICO).
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.
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.
AFS enables you to get approved before you start shopping - that way you'll have the confidence negotiate a great price.
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.
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.
Whilst AFS specialise in cars, we also finance motorbikes, boats, caravans, camper trailers and other leisure assets.
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.
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.
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.
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.
Interest Rates from:
7.97% p.a.* Fixed Rate
9.45% p.a.^ Comparison Rate
* 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:
