Car Loans | Car Finance > Apply Online

What to expect


Allow 10 to 15 minutes to complete your application online


Once you have submitted the application, you will receive an email notification advising you that we have received your application and commenced the assessment process


You will also receive a number of disclosure documents by email. Please read these and save them for future record


We will respond to you within 2 working days:

  • To advise you of the application outcome once we have assessed your application and verified all the information you have supplied
  • To obtain further information in order for us to complete processing your loan


If you don’t have all the information you need, you can save a partially completed application and return to it, within 14 days, to complete the required information. We will issue you a secure login and password to the email address you supply us.


Before you Begin

Applying for a loan online with AFS is fast and easy, provided you understand the process

Please read about the AFS loan process and review our checklist outlining all necessary information you should have at hand before applying.



The Loan Process

Understanding the basic steps to our loan approval process ensures you'll know what to expect.

Information Checklist

Our checklist outlining all the necessary information you should have at hand before applying.

AFS Interest Rates

Before you apply, check out AFS' Interest Rates for our fixed rate loans for either personal use of business use.

AFS Privacy Consent 

Our Privacy Act Consent explains the purposes for collecting personal information from you and how we exchange this information with credit reporting bodies and other parties.

AFS Credit Guide 

As a licensed credit provider, we are required to give you a Credit Guide. It contains information about us, our responsible lending obligations and our dispute resolution process.

Frequently Asked

Find answers to the most common questions about car loans here.  FAQs can be a helpful reference point and include information about our loan products, how to apply for & manage an AFS loan and popular topics of interest to our customers.

Responsible Lending Principles

At AFS, we are committed to responsible lending practice. We acknowledge our obligation to market our products responsibly in line with the expectations of customers and the community. Our Responsible Lending Principles form the foundation of our commitment to corporate responsibility and sustainable business practice.

Our Principles

  • We seek to lend only what our customers can afford to repay
  • We market our products and services responsibly
  • We support customers facing financial hardship
  • We help to improve our stakeholders' financial literacy and capability.