Car Loans | Car Finance > Terms of Use



Your use of the information, graphics and materials on the AFS Website ( "Material on this website" ) is governed by these Terms of Use and the Privacy Policy. In addition to the terms contained in this document, there are also specific terms which form part of the Terms of Use and govern your use of, and access to, certain sections of the AFS Website. Since you are also bound by these additional terms, you should review them wherever they are accessible by you on the AFS Website.


Links To Other Websites

The AFS Website may contain links to other websites operated by third parties ( "Third Party Websites" ). AFS does not endorse, or approve of the operators of Third Party Websites, or the information, graphics and material on those Third Party Websites ( "Third Party Material" ).

Subject to any applicable law which cannot be excluded, AFS makes no warranties or representations:

  • regarding the quality, accuracy, merchantability or fitness for purpose of Third Party Material or products or services available through Third Party Websites; or
  • that Third Party Material does not infringe the intellectual property rights of any person. AFS is not authorising the reproduction of Third Party Material by linking Material on this website to Third Party Material.

When you follow a link on the AFS Website, material at a Third Party Website may be displayed in your browser framed by Material on this web site. This material is also Third Party Material for the purpose of these Terms of Use.

All offers to sell and statements relating to goods and services available on Third Party Websites are the responsibility of and given by the Third Party Website operator. Insofar as such offers and statements are made on the AFS Website, such offers and statements are made by AFS on behalf of the operator. AFS expressly disclaims acting in any other respect on behalf of Third Party Website operators.

AFS may receive payments from operators of Third Party Websites in relation to goods or services supplied by the operator as a result of you linking to the Third Party Website from the AFS Website.


Linking To the AFS Website

Please contact AFS if you would like to place a link to any part of the AFS Website.


Third Party Software


Unless otherwise indicated software downloads available via links from the AFS Website are third party products. These products may be subject to a licence agreement between you and the relevant product owner. To the extent permitted by law, AFS accepts no liability in respect of such third party products and AFS provides no warranty and gives no endorsement in respect of such products or any party connected with them. We do, however, welcome your feedback or suggestions concerning these products.

Material on this website is general in nature and has been prepared without taking into account your objectives, financial situation or needs. Before acting on any information contained within this website, you should consider the appropriateness of it (and any relevant product) having regard to your circumstances and, if a current offer document is available, read the offer document before acquiring products named on this website. You should also seek independent financial advice prior to acquiring a financial product.

Unless expressly stated otherwise, the Material on this website:

  • does not constitute an offer or inducement to enter into a legally binding contract; and
  • does not form part of the terms and conditions for any products and services.


For further information about a particular product or service please contact us or a representative. All applications for credit are subject to the applicable lending criteria of the relevant AFS product. All applications for insurance are subject to the insurer's normal underwriting criteria.

A Target Market Determination is a document which describes:

  • the type of customer for which the product is designed (target market)
  • any conditions or restrictions on how the product can be distributed to customers.
  • events or circumstances that will require AFS to review the Target Market Determination for a financial product.


Why does AFS need to have a Target Market Determination?

AFS are required to have a Target Market Determination under the Treasury Laws Amendment (Design and Distribution Obligations and Product Intervention Powers) Act 2019. This Act sets out obligations to ensure a customer-centric approach to designing, marketing and distributing financial products.


How do you access AFS’s Target Market Determination?

To view our Target Market Determination document, please click on the link below:

AFS Secured Consumer Loans

You may use this information for your own personal reference only. You may reproduce this information in hard copy solely for your personal use. The information may not otherwise be reproduced and must not be distributed or transmitted to any other person or incorporated in any way into another document or other material.

Except where necessary for viewing the Material on this website on your browser, or as permitted under the Copyright Act 1968 (Cth) or other applicable laws or these Terms of Use, no Material on this website may be reproduced, adapted, uploaded to a third party, linked to, framed, performed in public, distributed or transmitted in any form by any process without the specific written consent of AFS.



Neither AFS nor any of its directors, employees and associates guarantees the security of this website, gives any warranty of reliability or accuracy nor accepts any responsibility arising in any other way including by reason of negligence for, errors in, or omissions from, the information on this website and does not accept any liability for any loss or damage, however caused, as a result of any person relying on any information on the website or being unable to access this website. This disclaimer is subject to any applicable contrary provisions of the Australian Securities and Investments Commission Act and Trade Practices Act.


All information is subject to change without notice. AFS recommends that you seek independent advice before acting upon Material on this website or Third Party Material.


AFS does not guarantee that the AFS Website or Third Party Websites will be free from viruses, or that access to the AFS Website or Third Party Websites will be uninterrupted.


No Alteration


You agree not to transfer, or attempt to transfer, any material, viruses or code to the AFS Website that could cause damage or harm to the site or in any way impede the security of the AFS Website. You may not attempt to alter the AFS Website.


Limitation of Liability


Subject to any responsibilities implied by law and which cannot be excluded, no member of AFS is liable to you for any losses, damages, liabilities, claims and expenses (including but not limited to legal costs and defence or settlement costs) whatsoever arising out of or referable to Material on the AFS Website or to Third Party Material, whether in contract, tort including negligence, statute or otherwise.


Liability of any member of AFS for a breach of a condition or warranty implied by law or otherwise, and which cannot be excluded, is limited to the extent possible, at AFS' option, to:

  • the supply of the goods or services again;
  • the repair of the goods; or
  • payment of the cost of having the goods or services supplied again or repaired.




These Terms of Use (and the agreement constituted by your use of the information, graphics and materials on the AFS Website) and your access to the AFS Website may be terminated at any time by AFS without notice. All restrictions, licences granted by you and all disclaimers and limitations of liability by AFS will survive termination, however, you will no longer be authorised to access the AFS Website.


Acceptance and Changes To Terms of Use

You acknowledge and accept that your use of the AFS Website indicates your acceptance of these Terms of Use and the Privacy Policy.


These are the current Terms of Use. They replace any other Terms of Use for the AFS Website published on the AFS Website to date.


AFS may at any time vary the Terms of Use by publishing the varied Terms of Use on the AFS Website. You accept that by doing this, AFS has provided you with sufficient notice of the variation. AFS reserves any rights not expressly granted in these Terms of Use.