Whatever Vehicle You Want, We Have You Covered
AFS is a licenced Australian credit provider that specialises in auto finance; we’ve been financing vehicles for two decades!
Unlike the banks that give priority to home loan customers, at AFS the asset finance customer comes first - providing you fast approval, flexibility and financial freedom.
By offering flexible solutions tailored to your personal circumstances or those of your business, AFS can help you buy the car, boat, bike, caravan, camper trailer or light commercial vehicle of your dreams. Our guiding principle is to assist you with the purchase of your car or leisure goods and provide an affordable finance solution that suits your needs.
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Choose from our wide selection of vehicle loans and learn more about how AFS can help you!
From start to finish, we’re here to help you succeed.
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Financing Your Next Vehicle FAQs
AFS offers finance for a wide range of vehicles, including cars, motorbikes, vans, caravans, campervans, boats, jet skis, horse floats, camper trailers, and even classic or vintage vehicles.
Commercial vehicles and equipment can also be financed for eligible business customers.
You could borrow between $5,000 and $130,000, depending on the vehicle, your financial situation, and our assessment criteria.
No deposit is required for approved applicants. AFS offers up to 100% finance, helping you get on the road sooner.
Yes. AFS supports purchases from dealers, private sellers, and auctions, giving you the freedom to buy from almost any source.
No. AFS has no age restrictions on vehicles, so you could finance new, used vehicles, imported, or classic models.
Loan terms range from 2 to 7 years (12 to 84 months), allowing you to choose a repayment period that fits your budget.
Yes. AFS offers conditional pre-approvals, usually within a few hours, so you can shop for your vehicle with confidence.
We aim to provide initial pre-approval decisions on the same day that you apply. However, full approval and settlement typically occur within 24 - 48 business hours once all documents are received.
Yes. AFS accepts applications from PAYG employees, self-employed workers, and ABN holders purchasing business-use vehicles.
Yes. AFS considers applications from customers with a range of credit histories, including those with past bad credit issues. Each application is assessed individually.
All AFS vehicle loans have a fixed interest rate, giving you predictable repayments over the life of the loan.
You’ll need to provide identification, proof of income, and recent bank statements. Bank statements are securely retrieved online through illion as part of the application.
Yes, you can pay off your loan early. However, a pro-rata early termination fee applies as outlined in our Target Market Determination (TMD).
AFS offers flexible terms, fast approvals, and finance for a wide range of vehicles with no age restrictions.
With over 30 years of experience, fixed-rate confidence, and all applications processed by our Australian team, we make vehicle finance simple and reliable.
Learn more about why you should choose AFS.