About Us - Automotive Financial Services
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Our Journey
Founded in 1988, AFS pioneered the specialist consumer non-conforming and mid-prime auto financing market in Australia. Over the years, we've become a well-recognised and respected name in car finance, offering tailored financial solutions for a wide range of motor vehicles and leisure goods, including boats, motorbikes, and caravans. We also specialise in providing finance to SMEs (small and medium enterprises) for vans, trucks, and light commercial vehicles.
Our Approach
At AFS, we understand that every customer's financial situation is unique. That's why our credit guidelines have been carefully developed over many years to streamline the approval process. We cater to both customers with established credit and those whose circumstances fall outside mainstream lending criteria.
We pride ourselves on our role as a responsible lender, having advocated for consumer protection through the National Credit Code Protection Act 2009. Our commitment to conducting credit activities efficiently, honestly, and fairly is at the heart of everything we do. This approach allows us to build long-lasting relationships with our clients.
Personal Service in a Digital World
In an era where automated banking has become the norm, AFS stands out by offering personalised service. We believe in the value of human connection and strive to provide the attentive, tailored service that larger institutions often overlook. This commitment to personal service is why so many Australians choose AFS for their asset finance needs.
Why Choose AFS
Peace of Mind: With over 30 years of experience, AFS is a trusted name in finance.
Competitive Rates: We offer personal and business loan rates that provide a real alternative to banks.
Easy Application: Our online application process is simple and quick, with pre-approval options available.
Flexible Terms: We work with you to structure a loan that fits your needs, with various repayment options.
Comprehensive Coverage: Whether it's a new car, a classic sports vehicle, or leisure goods, AFS has you covered.
Our Values
At AFS, our core values of integrity, commitment, respect, and energy drive everything we do. We strive to be efficient, honest, and fair in all our dealings, ensuring that our services are responsible and fully compliant with the law.
Learn more about our business, our team, and the way we operate with a strong commitment to corporate governance.
AFS is a wholly-owned subsidiary of Solvar Limited (ASX: SVR), and we're proud to continue serving our customers with the highest standards of professionalism.
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FAQs About AFS
What does AFS stand for?
AFS stands for Automotive Financial Services, with our trading name of Automotive Financial Services Pty Ltd. However, we also consider ourselves the Auto Financing Specialists.
Who is AFS and what do you do?
AFS is an Australian vehicle finance provider helping individuals and businesses secure finance for a wide range of vehicles, including cars, motorbikes, caravans, and commercial cars.
How long has AFS been operating?
AFS has been operating since 1988, with over three decades of experience in the vehicle finance industry.
Is AFS an Australian company?
Yes, AFS is 100% Australian-owned and operated. All loan applications are processed in-house by our Australian team.
What types of vehicles can I finance with AFS?
You could finance new or used cars, classic cars, vans, motorbikes, caravans, campervans, RVs, trailers, boats, jet skis, trucks, tractors, and more.
Do you offer finance for private sales or only through dealers?
Yes, AFS supports purchases from private sellers, as well as dealers and auctions.
What makes AFS different from a bank or dealership finance?
AFS offers a more flexible and personalised alternative to traditional banks or dealership finance. While banks may have stricter approval criteria and slower turnaround times, AFS considers a broader range of applicants - including those who are self-employed, have non-standard income, or have had prior credit issues.
Unlike dealership finance, which is often tied to a specific vendor, AFS allows you to purchase from private sellers, dealers, or auctions. We also offer 100% finance with no deposit required for approved applicants, fixed interest rates for predictable repayments, and fast pre-approval - often within just a few hours or same day approvals.
All applications are processed locally by our experienced Australian team, so you’ll get responsive service and support throughout the process.
What are your business hours?
Our office hours are 8:30am to 5:30pm AEST, Monday to Friday. Contact us here.
Do I need a deposit to get a vehicle loan from AFS?
No deposit is required for approved applicants. We offer 100% finance options. If you have a deposit, we can work with that too.
How quickly can I get approved for finance?
We aim to provide conditional pre-approvals within 4 business hours. Full approvals and settlements typically take 24–48 business hours.
Is early payout allowed on AFS loans?
Yes, you can repay your loan early; however, a pro-rata early termination fee may apply as outlined in the Target Market Determination (TMD).
Does AFS offer commercial vehicle finance?
Yes. AFS provides finance for business-use vehicles and equipment for sole traders, companies, partnerships, and trusts with valid ABNs.
What industry bodies or associations is AFS a member of?
AFS is a member of the FBAA (Finance Brokers Association of Australia) and AFCA (Australian Financial Complaints Authority), and is ISO 27001 certified.