You've Come a Long Way.

Let's Talk About What's Next.

Man presenting a car on a wide road in the city

You've done the hard work. Now AFS can help you make the most of where you are.

A Milestone With Acting On

You're well into your car loan journey, and that puts you in a stronger position than you might think. Customers at this stage often have more options available to them than they realise, and refinancing now could open up some genuinely useful possibilities.

Whether you want to upgrade your vehicle, access extra funds, manage a balloon payment, or simply explore what's out there, this is a great time to ask the question.

Here's What Refinancing Could Do For You

Upgrade Your Vehicle

Trade up to something newer and better suited to your life right now.

Access Extra Funds

Unlock money for renovations, travel or life's unexpected expenses.

Manage a Balloon Payment

Refinance before a lump sum falls due and keep things manageable.

Stay Flexible

Fixed rates with flexible terms, tailored to your budget.

Get Started

Simple From Start to Finish

Female with blond hair drinking a cup of coffee while checking her laptop in her kitchen

Check Your options | Fill in the form below and we'll assess what's available and suitable for you.

Choose what's right for you | Whether that's covering a balloon, upgrading your asset or borrowing extra, we'll walk you through it.

Apply online in minutes | Our application is quick and straightforward. No bank queues, no unnecessary complexity.

Stay supported | Our team will be with you every step of the way, from application to approval.

Refinance Now

Refinance up to $150,000

Ready to explore your options?

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

Why is now a good time to refinance?

Reaching this milestone on your loan means your remaining balance is manageable and your repayment history is established. This puts you in a solid position to explore new options with a lender.

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 more. We'll walk you through the options so you can choose what fits best.

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.