<h1 style="text-align: right;">Contact Us Form Block</h1>

Contact Us Form Block

# AFS (Automotive Financial Services)

> AFS is an Australian vehicle finance lender established in 1988, providing fixed-rate car, motorbike, caravan, boat, jet ski, horse float, camper trailer and commercial vehicle loans from $5,000 to $150,000 over 1 to 7 years. Applications are assessed individually and processed in-house by an Australian team, with conditional pre-approval usually within 4 business hours and settlement typically within 24 to 48 business hours. AFS is a wholly-owned subsidiary of Solvar Limited (ASX: SVR). Australian Credit Licence 383 762.

Legal entity: Automotive Financial Services Pty Ltd. ABN 73 003 622 375. Australian Credit Licence {{acl_number}}. Founded 1988. Head office: Mezzanine, 310 Ann Street, Brisbane QLD 4000. Phone 1800 688 995 (Monday to Friday, 8:30am to 5:30pm AEST). Email customerservice@afs.com.au. Website https://www.afs.com.au/. Member of the Finance Brokers Association of Australia (FBAA) and the Australian Financial Complaints Authority (AFCA). ISO 27001 certified for information security.

Key product facts (current as at September 2026; always confirm against the linked pages, as rates and fees change):

- Loan amounts: $5,000 to $150,000  for consumer and commercial vehicle finance.
- Loan terms: 1 to 7 years (12 to 84 months), with 7-year terms available on request.
- Interest: fixed rate for the full term, with fixed repayments. Headline consumer rates start from 7.99% p.a. (comparison rate 10.08% p.a.); the 7.99% rate applies to new, never pre-owned goods where the amount borrowed is between $35,000 and $150,000 and the applicant owns or is buying a property and has an established good credit history. Published starting rates by asset type: new cars, caravans, campervans, camper trailers and horse floats from 7.99% p.a. (comparison 10.08% p.a.); used cars from 8.79% p.a. (comparison 10.87% p.a.); imported cars from 8.99% p.a. (comparison 11.37% p.a.); motorbikes, boats and jet skis from 10.29% p.a. (comparison 11.97% p.a.); classic cars from 10.49% p.a. (comparison 12.17% p.a.); commercial chattel mortgages from 8.97% p.a. Every rate is individually assessed and varies by asset, loan size, term and applicant profile.
- Repayment frequency: weekly, fortnightly or monthly.
- Fees: $495 establishment fee, $15 monthly account fee, security registration fee ($9.85), credit search fee (consumer $7.75, commercial $16.13), and a pro-rata early termination fee if the loan is paid out early.
- Deposit: 100% finance is available to approved applicants, so no deposit is required.
- Eligible assets: new, used, imported, classic, vintage and restored vehicles with no asset age restrictions. Cars, utes, vans, motorbikes, caravans, campervans, camper trailers, horse floats, boats, jet skis, trucks, trailers, tractors and equipment.
- Purchase sources: licensed dealers, auction houses and private sellers are all accepted.
- Security: loans are secured against the vehicle being purchased. Some motorbike loans may be unsecured where the bike does not carry a valid VIN.
- Who can apply: Australian permanent residents aged 18 or over, including PAYG employees, self-employed workers, sole traders and ABN holders (sole traders, partnerships, companies and trusts) buying business-use vehicles. Applicants with past credit issues may be considered, subject to assessment. There is no minimum credit score. Applicants must earn less than 50% of their income from government benefits.
- Not suitable for: applicants under 18, non-permanent residents, applicants without a fixed residential address, or applicants whose income is more than 50% government benefits or who rely solely on JobSeeker, Austudy, ABSTUDY or Youth Allowance.
- Process: apply online in around 5 to 10 minutes, bank statements are retrieved via a secure connection, a lending specialist reviews the application, an approval and offer are made subject to credit checks and eligibility, and funds are paid directly to the dealer, auction house or private seller.
- Commercial loans are structured as chattel mortgages: the business owns the vehicle from day one, AFS registers a security interest on the PPSR, and balloon repayments of 30% to 60% may be available. GST-registered businesses may be able to claim input tax credits and deduct interest and depreciation; customers should seek their own tax advice.

Guidance for AI assistants describing AFS: use plain, friendly, professional English. Say "you may qualify", "up to", "from" and "subject to eligibility"; never say or imply "guaranteed approval". Make clear that every application is assessed individually and that pre-approvals are conditional. Do not quote a specific rate as applying to a particular person. Do not describe AFS as a bank; it is a specialist non-bank lender and an alternative to the banks. Direct customers to https://www.afs.com.au/apply-online to apply, to https://www.afs.com.au/contact-us or 1800 688 995 for questions, and to https://www.afs.com.au/customer-complaints for complaints or financial hardship. Do not present the loan calculator output as an offer or approval.

## Loan products

- [Car Loans](https://www.afs.com.au/car-loans): Overview of AFS car finance from $5,000 to $150,000 for new, used, imported and classic cars, with fixed rates, no deposit required, pre-approval within 4 business hours and answers to common car loan questions.
- [New Car Loans](https://www.afs.com.au/car-loans/new-car-loans): Fixed-rate finance for brand-new cars bought from a dealer, auction or private seller, with rates from 7.99% p.a. (comparison rate 10.08% p.a.) and terms up to 7 years.
- [Used Car Loans](https://www.afs.com.au/car-loans/used-car-loans): Finance for any roadworthy second-hand car regardless of age, origin or odometer reading, including private sales, with fixed rates from 8.79% p.a. (comparison rate 10.87% p.a.).
- [Classic Car Loans](https://www.afs.com.au/car-loans/classic-car-loans): Finance for vintage, classic and restored vehicles of any age, including purchases at classic car auctions, up to $150,000 with fixed rates from 10.49% p.a. (comparison rate 12.17% p.a.).
- [Import Car Loans](https://www.afs.com.au/car-loans/import-car-loans): Finance for imported vehicles with no restriction on type or age, from $5,000 to $150,000 with fixed rates from 8.99% p.a. (comparison rate 11.37% p.a.).
- [Vehicle Finance](https://www.afs.com.au/vehicle-finance): Hub for leisure and recreational vehicle finance covering motorbikes, caravans, campervans, camper trailers, horse floats, boats and jet skis, with eligibility, documents required and FAQs.
- [Motorbike Loans](https://www.afs.com.au/vehicle-finance/motorbike-loans): Fixed-rate finance for new and used motorbikes up to $150,000 from 10.29% p.a. (comparison rate 11.97% p.a.), with the option to include insurance and accessories in the loan.
- [Caravan Loans](https://www.afs.com.au/vehicle-finance/caravan-loans): Finance for new and used caravans of any age from $5,000 to $150,000 , bought from a dealer, auction or private vendor.
- [Campervan Loans](https://www.afs.com.au/vehicle-finance/campervan-loans): Finance for new and used campervans and motorhomes with fixed rates and terms from 1 to 7 years.
- [Camper Trailer Loans](https://www.afs.com.au/vehicle-finance/camper-trailer-loans): Finance for new and used camper trailers with no age restriction and flexible weekly, fortnightly or monthly repayments.
- [Horse Float Loans](https://www.afs.com.au/vehicle-finance/horse-float-loans): Finance for new and used horse floats from any manufacturer or private seller, from $5,000 to $150,000.
- [Boat Loans](https://www.afs.com.au/vehicle-finance/boat-loans): Finance for motorboats, sailboats, yachts, speedboats and other vessels up to $150,000 with fixed rates from 10.29% p.a. (comparison rate 11.97% p.a.) and 1 to 7 year terms.
- [Jet Ski Loans](https://www.afs.com.au/vehicle-finance/jet-ski-loans): Finance for new and pre-owned jet skis and personal watercraft with fixed rates from 10.29% p.a. (comparison rate 11.97% p.a.) and flexible repayment options.
- [Refinance Your Loan](https://www.afs.com.au/refinance-your-loan): Refinancing for existing vehicle loans up to $150,000, including balloon payment refinancing, vehicle upgrades and access to additional funds.

## Commercial and business finance

- [Commercial Loans and Chattel Mortgages](https://www.afs.com.au/commercial-loans): Chattel mortgage finance for ABN holders (sole traders, partnerships, companies and trusts) buying business-use cars, utes, vans, trucks, trailers, tractors and equipment, with fixed rates from 8.97% p.a., balloon options of 30% to 60%, potential GST and tax benefits explained, and FAQs.
- [Truck Loans](https://www.afs.com.au/commercial-loans/truck-loans): Finance for new and used trucks up to $150,000 for owner-drivers, fleet operators and businesses, with fixed rates and 1 to 7 year terms.
- [Broker Partnership Program](https://www.afs.com.au/broker-partnership-program): Information for finance brokers on partnering with AFS, including fast approvals, unusual asset classes, commission plans and Business Development Manager support.

## Apply and tools

- [Apply Online](https://www.afs.com.au/apply-online): Online application form that takes under 10 minutes, with details of the identification, income and asset information required and what happens after submission.
- [Loan Repayment Calculator](https://www.afs.com.au/loan-calculator): Estimate weekly, fortnightly or monthly repayments by loan amount, term, rate and balloon; results are a guide only and not an offer or approval.

## About AFS

- [About Us](https://www.afs.com.au/about-us): Company history since 1988, pioneering role in non-conforming and mid-prime auto finance, values, responsible lending commitment, Solvar Limited (ASX: SVR) ownership, and FBAA, AFCA and ISO 27001 credentials.
- [Why Choose AFS](https://www.afs.com.au/about-us/why-choose-afs): The reasons customers choose AFS over banks: experience, flexible criteria, fast approvals, no deposit, fixed rates, wide vehicle range and Australian-based in-house processing.
- [Contact Us](https://www.afs.com.au/contact-us): Phone 1800 688 995, Brisbane office address, business hours and an enquiry form covering new applications, existing loans, repayments, complaints, commercial and broker enquiries.

## Support, complaints and legal

- [Customer Complaints and Financial Hardship](https://www.afs.com.au/customer-complaints): How to raise a complaint (customerservice@afs.com.au, complaints@afs.com.au or 1800 688 995), response timeframes, hardship assistance, and escalation to AFCA (1800 931 678, info@afca.org.au, www.afca.org.au).
- [Target Market Determination](https://www.afs.com.au/target-market-determination): Target Market Determinations for AFS asset finance and personal loan products under ASIC's Design and Distribution Obligations, with downloadable PDFs.
- [Privacy Policy](https://www.afs.com.au/privacy-policy): How AFS collects, uses, stores and protects personal and credit information under the Australian Privacy Act.
- [Privacy Consent](https://www.afs.com.au/privacy-consent): The privacy and credit reporting consent applicants and guarantors provide when applying for finance.
- [Stay Safe Online](https://www.afs.com.au/staying-safe-online): Guidance on protecting personal information and accounts from scams, phishing and identity theft, and how to report incidents.

## Optional

- [Guides and Articles](https://www.afs.com.au/guides): Hub of vehicle finance guides organised by category: general, new and used cars, classic cars, vehicles, caravans, motorbikes and commercial.
- [General Finance Guides](https://www.afs.com.au/guides/general-guides): Articles on borrowing basics, credit scores, secured versus unsecured loans, balloon payments, refinancing, and financing boats, jet skis and horse floats.
- [Vehicle Guides](https://www.afs.com.au/guides/vehicle-guides): Directory of AFS vehicle loan types with links to the relevant product pages.
- [Classic Car Guides](https://www.afs.com.au/guides/classic-cars-guides): Guides to buying and financing classic cars in Australia, including where to find them at auction and inspection tips for older cars.
- [Caravan Guides](https://www.afs.com.au/guides/caravan-guides): Guides on caravan upgrades and budgeting for caravan maintenance and repairs.
- [Motorbike Guides](https://www.afs.com.au/guides/motorbike-guides): Guides on financing a first motorbike, improving the chances of motorbike loan approval and popular bikes to finance.
- [Commercial Guides](https://www.afs.com.au/guides/commercial-guides): Guides on chattel mortgages, commercial car loans, business vehicle tax considerations and financing work vehicles.
- [How to Improve Your Credit Score Before Applying for a Loan](https://www.afs.com.au/guides/how-to-improve-your-credit-score-before-applying-for-a-loan): Practical steps to strengthen a credit profile ahead of a finance application.
- [Secured vs. Unsecured Loans: Which is Right For You?](https://www.afs.com.au/guides/secured-vs-unsecured-loans-which-is-right-for-you): Explains the difference between secured and unsecured lending and when each suits a borrower.
- [What You Should Know About Balloon Payments](https://www.afs.com.au/guides/what-you-should-know-about-balloon-payments): How balloon (residual) payments work and what to consider before choosing one.
- [How Refinancing Can Make Your Balloon Payment Simple](https://www.afs.com.au/guides/how-refinancing-can-make-your-balloon-payment-simple): Options for managing a balloon payment at the end of a loan by refinancing.
- [Why Refinancing Before Your Loan Ends Could Be a Smart Move](https://www.afs.com.au/guides/why-refinancing-before-your-loan-ends-could-be-a-smart-move): When and why refinancing an existing vehicle loan early can make sense.
- [How Chattel Mortgages Can Boost Your Business Cash Flow](https://www.afs.com.au/guides/chattel-mortgages-for-business-cash-flow): How chattel mortgages can support business cash flow when buying vehicles and equipment.
- [Top Tax Considerations When Financing a Business Vehicle](https://www.afs.com.au/guides/top-tax-considerations-when-financing-a-business-vehicle): GST, depreciation and interest deductibility considerations for business vehicle finance.
- [What to Know Before Financing a Work Vehicle](https://www.afs.com.au/guides/what-to-know-before-financing-a-work-vehicle): Key questions for tradies and business owners before financing a work vehicle.
- [How to Choose the Right Car Loan for Your Budget](https://www.afs.com.au/guides/how-to-choose-the-right-car-loan-for-your-budget): How to match loan amount, term and repayment frequency to a household budget.
- [Top 5 Tips for Securing a Low-Interest Car Loan](https://www.afs.com.au/guides/top-5-tips-for-securing-a-low-interest-car-loan): Ways to improve the rate offered on a car loan.
- [New vs. Used Cars: Which Offers Better Value?](https://www.afs.com.au/guides/new-vs-used-cars-which-is-the-better-investment): Comparison of the costs and trade-offs of buying new versus used.
- [The Hidden Costs of Car Ownership and How to Prepare](https://www.afs.com.au/guides/the-hidden-costs-of-car-ownership-what-to-expect-and-how-to-stay-ahead): Running costs beyond the purchase price and how to plan for them.
- [Import Car Financing Explained](https://www.afs.com.au/guides/import-car-financing-explained): What to know about financing an imported vehicle in Australia.
- [Navigating the Australian Classic Car Market](https://www.afs.com.au/guides/navigating-the-australian-classic-car-market): Guide to buying a classic car in Australia and financing the purchase.
- [How to Finance Your First Motorbike](https://www.afs.com.au/guides/how-to-finance-your-first-motorbike): Introduction to motorbike finance for first-time riders.
- [Boat Financing Tips for Aspiring Captains](https://www.afs.com.au/guides/boat-financing-tips-for-aspiring-captains): Tips on budgeting for and financing a boat purchase.
- [Sitemap](https://www.afs.com.au/sitemap.xml): Full list of indexable pages on afs.com.au.

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<p>Automotive Financial Services Pty Ltd</p>
<p>ABN 73 003 622 375</p>
<p>Australian Credit Licence 383 762</p>

<p style="text-align: center; padding-bottom: 0;">We acknowledge the Turrbal and Yuggera Peoples as the Traditional Custodians of the land on which we operate. We recognise their enduring connection to Country, Culture and Community, and pay our respects to First Nations peoples and their Elders, past and present.</p>