Refinance Made Simple

Whether you're managing a balloon payment or planning your next move, refinancing with AFS helps you stay on track with options tailored to you.

Refinance Now

Why Refinance With AFS?

Manage a balloon payment: Without a large lump sum
Upgrade your car or asset: To something newer and better suited to you
Access extra funds: For renovations or life's unexpected expenses
Stay flexible: With repayments that work for your budget

Check Your options | We'll help you see what's available and suitable for you.

Choose what's right for you | Whether that's covering a balloon, upgrading or borrowing extra.

Apply online in minutes | Our application form is quick and simple.

Stay supported | Our team will be with you every step of the way.

Refinance up to $130,000

An alternative to the banks with experts you can trust!

Great interest rates
No vehicle age restriction
Choose dealer, auction or private vendor vehicles
No deposit needed
Fixed rates with flexible terms
Fast loan approvals

Let's Get Started

Refinancing FAQs

What does refinancing mean?

Refinancing is when you replace your current loan with a new one. It can help you manage a balloon payment, upgrade to a new car or asset, adjust your repayments, or even borrow extra funds.

Why should l refinance my loan?

Customers refinance for many reasons:

To roll a balloon payment into a new loan
To upgrade into a newer car, caravan, or motorbike
To unlock extra funds for renovations, travel, or other expenses
To keep repayments flexible and manageable

Can l borrow extra funds when refinancing?

Yes. Depending on your circumstances, refinancing may give you the chance to access additional money. Customers often use this for home improvements, bills, or unexpected costs.

Will refinancing change my repayments?

It might. Your repayments could go up, down, or stay similar depending on the loan amount, the term, and whether you borrow extra. We'll walk you through the options so you can choose what fits best.