Flexible Holiday Loans
* All loans are subject to affordability, suitability and verification.
Why Choose AFS for Your Bills & Utility Loan
Stay on Top of Essential Costs. When unexpected non-utility bills pop up, AFS is here to help you manage them without added stress. Whether it's a one-off invoice, an overdue account, or an essential expense you need to sort quickly, our loans can give you breathing room when you need it most.
Take Control of Your Budget. Big bills can throw your week or month off track. With AFS, you can spread the cost into manageable repayments, helping you stay on top of what's due while keeping the rest of your budget in check.
Ready to Take the Next Step? Explore our Bills Non-Untility loan options and apply today. Your health deserves the best care, and AFS is here to support you every step of the way.
Frequently Asked Questions (FAQs)
What types of bills can l use this loan for?
A Bills Non-Utility Loan can help cover essential non-utility expenses such as council rates, insurance premiums, strata fees, school or education invoices, medical gap payments, and other important accounts that need to be paid. If you're unsure whether your bill qualifies, our team can guide you through your options.
Can l apply if the bill is already overdue?
Yes, in many cases you can apply even if the bill is overdue. We understand that unexpected expenses happen, and our goal is to help you get back on track. Approval is subject to your normal lending criteria, but we're here to work with you to find a suitable solution.
How long will it take to approve my loan application?
Once you’ve submitted your loan application, approval is conditional pending credit checks and verification of the information you have supplied. Approval is usually obtained within 48 hours, subject to satisfactory credit checks and verification of financial information. Your Loan Account Manager can provide more information about documenting your loan and the settlement process.
What do l need to apply?
To ensure applying online is straight forward, we suggest you gather a few key documents so that you have the information at your fingertips.
Here is a checklist outlining all necessary information you should have at hand before applying.
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Your full name
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Your date of birth
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Your current driver's licence number and expiry date
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If you do not have a current driver's licence, then details of your passport including number, place of issue and expiry date.
Your Residential Details
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Your current residential details
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If you have not been living at your current address for at least 3 years, the details of your previous address
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If you have a mortgage, or have recently applied for a mortgage, the details of the monthly payments
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If you are renting or boarding, the details of your landlord/real estate agent including Name and Telephone Number.
