Why Choos AFS?

At AFS, we make vehicle finance simple, fast, and flexible.

With over 30 years of experience, we understand that every customer’s situation is unique. Whether you’re buying a car, motorbike, boat, or commercial vehicle; we offer tailored loans with fixed rates, no deposit options, and quick approvals.

Our Australian team handles every application with care, giving you support from start to finish.

The Trusted Professionals in Finance

AFS has been helping Australians secure vehicle finance since 1988. With decades of industry experience, we’ve built a reputation for understanding our customers and delivering finance solutions that work.

Unlike banks or dealerships, we take a personal approach, considering your individual circumstances rather than relying solely on strict lending criteria.

Our long history means we know how to navigate challenges and find the right loan for you. Over the years, thousands of Australians have trusted us to finance everything from their first car to commercial fleets.

With AFS, you’re choosing a lender with proven expertise and a commitment to helping you achieve your goals.

Flexible Financing Options

No two customers are alike, and neither are their finance needs. That’s why AFS offers a wide range of vehicle loan solutions, from personal use cars to commercial trucks and equipment.

We provide loan amounts between $5,000 and $130,000 with terms ranging from 12 to 84 months, so you can tailor your repayments to suit your budget.

Whether you’re self-employed, an ABN holder, or have had past credit issues, we’ll assess your situation on its merits. Our flexibility extends to the vehicles we finance - new, used, vintage, or imported - with no age restrictions.

At AFS, you’re not boxed into a one-size-fits-all product. Instead, you may choose a finance option that fits your needs today and supports your plans for tomorrow.

Fast & Simple Loan Approvals

Time matters most, when you’ve found the right vehicle.

At AFS, our streamlined application process is designed to get you moving quickly. Applying online takes only a few minutes, and our secure illion bank statement retrieval ensures your information is processed safely.

Once we have your details, our Australian lending team reviews your application promptly. Most customers receive a conditional pre-approval within hours, and full approvals are often finalised within 24-48 business hours.

We then pay funds directly to the dealer, auction house, or private seller—saving you time and hassle. With AFS, you can apply with confidence, knowing you’ll get fast decisions without unnecessary delays.

No Deposit Required

Saving a large deposit isn’t always easy, but that shouldn’t stop you from getting the vehicle you need. With AFS, approved applicants could get advantage of 100% finance, meaning no deposit is required.

This makes it easier to purchase your next car, motorbike, caravan, or work vehicle without draining your savings. Even if you choose to contribute a deposit, the flexibility is in your hands.

Combined with our fixed-rate loans and tailored repayment schedules, our no-deposit options help you drive away sooner. Whether it’s for personal use or business purposes, we make financing accessible so you can focus on enjoying your new vehicle.

Wide Range of Vehicles Types

AFS finances more than just cars. Our loans cover an extensive range of vehicles and assets, giving you the freedom to choose what suits your lifestyle or business.

From cars, motorbikes, boats, and jet skis to caravans, camper trailers, and even heavy equipment for commercial use, we’ve got you covered.

We also accept purchases from dealers, auctions, and private sellers, offering greater flexibility in where you buy.

Unlike many lenders, we impose no age restrictions on vehicles, making us a great option for classic cars or restored vehicles. Whatever you’re purchasing, AFS can help you make it a reality with finance tailored to your asset.

Helpful Australian Customer Service Team

At AFS, we believe finance should feel personal, not transactional. That’s why every application is handled by our dedicated Australian lending team - not outsourced overseas.

From your initial enquiry to loan settlement, our specialists are here to answer questions and guide you through the process. We listen to your needs, consider your circumstances, and work with you to find a solution that fits.

After approval, we remain available to support you throughout the life of your loan. Customers choose us because they value this personal connection and the confidence of knowing help is just a phone call away.

Inclusive Lending

Life isn’t always perfect, and neither is every credit history. At AFS, we believe past financial setbacks shouldn’t define your future.

We take a balanced approach to lending, looking beyond just your credit score to understand your current situation.

Whether you’re a PAYG employee, self-employed, or running a small business with an ABN, we’ll assess your application individually. Even applicants with previous poor credit issues may still qualify, subject to our assessment.

As long as you meet our basic eligibility - such as having less than 50% of your income from Centrelink - you may have options. Our goal is to provide finance opportunities to a wide range of customers who need a fair chance to move forward.

Fixed Rates with Flexible Repayments

Predictability matters when managing your finances. With AFS, all our loans come with fixed interest rates, meaning your repayments stay the same throughout your loan term. No surprises, no rate increases - just confidence in knowing exactly what to expect.

Alongside this stability, we offer flexible repayment options to suit how you get paid - weekly, fortnightly, or monthly. Loan terms range from 1 to 7 years, allowing you to choose a schedule that balances affordability and speed.

Our fixed-rate approach, combined with repayment flexibility, ensures your finance works with your lifestyle, not against it.