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.
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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.
Recognised Industry Certifications
When choosing a finance provider, credibility matters. AFS is proud to be a member of the Finance Brokers Association of Australia (FBAA) and the Australian Financial Complaints Authority (AFCA), ensuring we meet strict industry and consumer protection standards.
We’re also ISO 27001 certified, reflecting our commitment to data security and privacy. These accreditations demonstrate that we operate with integrity and transparency, giving you confidence in every interaction.
When you choose AFS, you’re working with a lender that values professionalism, accountability, and customer trust.
FAQs - Why Choosing Us Matters
What makes AFS different from other vehicle finance providers?
AFS stands out through a combination of experience, flexibility, and personal service. With over 30 years in vehicle finance, we’ve helped thousands of Australians secure funding when others couldn’t.
Unlike many lenders, we assess applications individually, consider a wide range of vehicles, and offer fast approvals with no deposit required for eligible applicants.
All loans are processed in-house by our Australian team, so you’re never just a number in a system.
What sets AFS apart when financing classic or imported vehicles?
Classic vehicles and imported vehicles often fall outside the criteria of traditional lenders. At AFS, we welcome applications for vintage, restored, or specialty vehicles - without rigid age or type restrictions.
Whether you’re buying a rare import from an auction or restoring a classic from a private seller, our flexible approach means we can structure finance to suit the unique value and purchase process of your vehicle.
How does AFS support customers with unique circumstances?
AFS looks beyond the standard safe checklist. We consider applications from customers with prior credit issues, self-employed workers with irregular income, and those purchasing through private sales or auctions.
By taking the time to understand your situation, we can tailor solutions that many mainstream lenders simply won’t offer. Our aim is to keep you on the road when others put up roadblocks.
How does AFS’ membership in FBAA and AFCA protect customers?
Being a member of the Finance Brokers Association of Australia (FBAA) and the Australian Financial Complaints Authority (AFCA) means AFS operates under strict industry standards.
These memberships ensure we follow responsible lending practices, uphold ethical conduct, and provide customers with independent dispute resolution options if needed.
This gives you peace of mind that you’re dealing with a trusted and accountable lender.
How does AFS’ fixed-rate confidence help customers?
With AFS, your interest rate and repayments stay the same for the life of the loan. This fixed-rate confidence means no surprises - just predictable, manageable repayments you can plan around.
Whether budgeting for everyday expenses or future goals, knowing your repayment amount won’t change helps you stay in control of your finances.
Are there any age restrictions on vehicles you finance?
No. AFS finances a wide range of vehicles without imposing strict age limits. From brand-new models, used cars to classic and vintage cars, our flexible criteria mean we can consider older or specialty vehicles that other lenders may refuse.
If the vehicle suits your needs, we’ll work to make the finance suit you.
Will my application be assessed by an Australian team?
Yes. Every application is reviewed and processed by our experienced Australian lending team.
This means faster decisions, local understanding, and personalised service - qualities that overseas call centres or automated systems can’t match.
How quickly can AFS approve my loan?
Speed matters when you’ve found the right vehicle. That’s why AFS offers rapid turnaround times, with many pre-approval decisions made within four hours (during office hours) and full approvals typically within 24 - 48 business hours.
In some cases, same-day approvals are possible, so you can secure your vehicle without unnecessary delays.
Why should I choose AFS for my business needs?
AFS specialises in business vehicle financing and equipment for businesses.
We understand that cash flow and timing are critical, so we offer fast approvals, flexible terms, and funding up to $130,000 with no deposit required for eligible applicants.
You could finance new or used vehicles, tools of trade, or even purchase through auctions and private sellers.
With every application assessed by our Australian team, we work to structure finance that supports your business growth and keeps you moving.