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1<!DOCTYPE html><html lang="en"><head><meta charSet="utf-8" data-next-head=""/><meta name="viewport" content="width=device-width, initial-scale=1" data-next-head=""/><title data-next-head="">New Car Loans | Finance with Low Interest &amp; Fast Approvals</title><meta name="description" content="Drive away in your dream car with our competitive new car loans. Enjoy low-interest rates and easy application processes." data-next-head=""/><link rel="canonical" href="https://www.afs.com.au/car-loans/new-car-loans" data-next-head=""/><meta name="google-site-verification" content="X6Y934RmpDZOWbXlsf93K6RUUf_ZJt5VBAop6QqTWeI" data-next-head=""/><link href="/favicon.ico" rel="icon" type="image/x-icon" sizes="32x32"/><link href="/favicon_128.png" rel="icon" type="image/png" sizes="128x128"/><link href="/favicon_180.png" rel="apple-touch-icon" sizes="180x180"/><link href="/favicon_192.png" rel="icon" type="image/png" sizes="192x192"/><link rel="preload" href="/_next/static/css/3da12872e4636156.css" as="style"/><link rel="preload" href="/_next/static/css/045ad60a90d5d2f1.css" as="style"/>
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33</head><body><link rel="preload" as="image" imageSrcSet="https://media.umbraco.io/solvar-web-projects/r0wikusz/afs_white.svg?width=256 1x, https://media.umbraco.io/solvar-web-projects/r0wikusz/afs_white.svg?width=384 2x"/><link rel="preload" as="image" imageSrcSet="https://media.umbraco.io/solvar-web-projects/122nwvxj/afs-hero-new-car.webp?width=384 384w, https://media.umbraco.io/solvar-web-projects/122nwvxj/afs-hero-new-car.webp?width=640 640w, https://media.umbraco.io/solvar-web-projects/122nwvxj/afs-hero-new-car.webp?width=750 750w, https://media.umbraco.io/solvar-web-projects/122nwvxj/afs-hero-new-car.webp?width=828 828w, https://media.umbraco.io/solvar-web-projects/122nwvxj/afs-hero-new-car.webp?width=1080 1080w, https://media.umbraco.io/solvar-web-projects/122nwvxj/afs-hero-new-car.webp?width=1080 1200w, https://media.umbraco.io/solvar-web-projects/122nwvxj/afs-hero-new-car.webp?width=1080 1920w, https://media.umbraco.io/solvar-web-projects/122nwvxj/afs-hero-new-car.webp?width=1080 2048w, https://media.umbraco.io/solvar-web-projects/122nwvxj/afs-hero-new-car.webp?width=1080 3840w" imageSizes="(max-width: 1000px) 100vw, 50vw"/><div id="__next"><header style="height:0px"><div class="site-header fixed top-0 left-0 right-0 bg-pc-5 text-white z-header"><div class="container py-bt-spacing-12 lg:py-0 relative"><div class="flex items-center"><div class="grow"><a href="/"><img alt="Automotive Financial Services Logo" width="140" height="72" decoding="async" data-nimg="1" class="sm:w-[13.125rem] sm:h-[3.3125rem]" style="color:transparent" srcSet="https://media.umbraco.io/solvar-web-projects/r0wikusz/afs_white.svg?width=256 1x, https://media.umbraco.io/solvar-web-projects/r0wikusz/afs_white.svg?width=384 2x" src="https://media.umbraco.io/solvar-web-projects/r0wikusz/afs_white.svg?width=384"/></a></div><div class="flex items-center gap-bt-spacing-16 xl:gap-bt-spacing-30"><div class="font-bold text-white py-bt-spacing-28 relative hidden lg:block"><nav><a class="flex items-center gap-bt-spacing-3" href="/car-loans"><span>Car Loans</span><svg width="15" height="9" viewBox="0 0 15 9" fill="none" xmlns="http://www.w3.org/2000/svg"><path class="stroke-white" d="M14 1L7.5 7L1 0.999999" stroke-width="1.5"></path></svg></a></nav><div class="hidden"><nav class="text-pc-5 py-bt-spacing-16 px-bt-spacing-20"><a href="/car-loans/new-car-loans">New Car Loans</a></nav><nav class="text-pc-5 py-bt-spacing-16 px-bt-spacing-20"><a href="/car-loans/used-car-loans">Used Car Loans</a></nav><nav class="text-pc-5 py-bt-spacing-16 px-bt-spacing-20"><a href="/car-loans/classic-car-loans">Classic Car Loans</a></nav><nav class="text-pc-5 py-bt-spacing-16 px-bt-spacing-20"><a href="/car-loans/import-car-loans">Import Car Loans</a></nav></div></div><div class="font-bold text-white py-bt-spacing-28 relative hidden lg:block"><nav><a class="flex items-center gap-bt-spacing-3" href="/vehicle-finance"><span>Vehicle Finance</span><svg width="15" height="9" viewBox="0 0 15 9" fill="none" xmlns="http://www.w3.org/2000/svg"><path class="stroke-white" d="M14 1L7.5 7L1 0.999999" stroke-width="1.5"></path></svg></a></nav><div class="hidden"><nav class="text-pc-5 py-bt-spacing-16 px-bt-spacing-20"><a href="/vehicle-finance/boat-loans">Boat Loans</a></nav><nav class="text-pc-5 py-bt-spacing-16 px-bt-spacing-20"><a href="/vehicle-finance/caravan-loans">Caravan Loans</a></nav><nav class="text-pc-5 py-bt-spacing-16 px-bt-spacing-20"><a href="/vehicle-finance/motorbike-loans">Motorbike Loans</a></nav><nav class="text-pc-5 py-bt-spacing-16 px-bt-spacing-20"><a href="/vehicle-finance/campervan-loans">Campervan Loans</a></nav><nav class="text-pc-5 py-bt-spacing-16 px-bt-spacing-20"><a href="/vehicle-finance/jet-ski-loans">Jet Ski Loans</a></nav><nav class="text-pc-5 py-bt-spacing-16 px-bt-spacing-20"><a href="/vehicle-finance/horse-float-loans">Horse Float Loans</a></nav><nav class="text-pc-5 py-bt-spacing-16 px-bt-spacing-20"><a href="/vehicle-finance/camper-trailer-loans">Camper Trailer Loans</a></nav></div></div><div class="font-bold text-white py-bt-spacing-28 relative hidden lg:block"><nav><a href="/commercial-loans">Commercial Loans</a></nav><div class="hidden"></div></div><div class="font-bold text-white py-bt-spacing-28 relative hidden lg:block"><nav><a href="/personal-loans">Personal Loans</a></nav><div class="hidden"></div></div><a class="inline-block bg-sc-5 hover:bg-sc-4 group-hover/button:bg-sc-4 text-pc-5 font-bold px-bt
33-spacing-20 py-bt-spacing-16 rounded-bt-radius-8  max-sm:py-bt-spacing-8 shrink-0" href="/apply-online"><span>Get Started</span></a><div class="flex items-center justify-center px-bt-spacing-16 cursor-pointer lg:hidden" role="button" aria-pressed="false" aria-label="Open menu" tabindex="0"><svg width="24" height="18" viewBox="0 0 24 18" fill="none" xmlns="http://www.w3.org/2000/svg"><path class="stroke-white" d="M0 1H24" stroke-width="2"></path><path class="stroke-white" d="M0 8.81396H24" stroke-width="2"></path><path class="stroke-white" d="M0 17H24" stroke-width="2"></path></svg></div></div></div><div class="bg-pc-5 p-bt-spacing-12 pt-bt-spacing-26 rounded-b-bt-radius-20 shadow-header hidden"><div><div class="px-bt-spacing-20 py-bt-spacing-12 text-white font-semibold cursor-pointer">Car Loans</div><div class="px-bt-spacing-20 py-bt-spacing-12 text-white font-semibold cursor-pointer">Vehicle Finance</div><div class="px-bt-spacing-20 py-bt-spacing-12 text-white font-semibold"><nav><a href="/commercial-loans">Commercial Loans</a></nav></div><div class="px-bt-spacing-20 py-bt-spacing-12 text-white font-semibold"><nav><a href="/personal-loans">Personal Loans</a></nav></div></div><div class="text-center"></div></div></div></div></header><main class="bg-white py-xl"><div class=""><div class="flex flex-col py-bt-spacing-30 lg:py-bt-spacing-48 gap-bt-spacing-30 lg:gap-bt-spacing-48"><div class="container"><div class="grid grid-cols-1 lg:grid-cols-2 gap-bt-spacing-40"><div class="flex flex-col justify-center"><div class="rich-text rich-text-block"><h1>Drive Your Dream Car with Confidence</h1>
34<p>When you&#x27;re ready to make your dream car a reality, AFS is here to help with a fixed-rate loan. Whether you&#x27;re buying a new or <a href="/car-loans/used-car-loans">used car</a> from a dealer, at auction, or from a friend, we&#x27;ll make the process quick and easy. Already found the perfect car? Start your application online now.</p>
35<p>If you&#x27;re still browsing, we can arrange a pre-approved loan<sup>1</sup>, so you can shop with confidence. With AFS, you&#x27;re in good hands with our car finance experts!</p></div><div class="flex gap-bt-spacing-10"><a class="inline-block bg-pc-5 hover:bg-pc-4 group-hover/button:bg-pc-4 text-white font-bold px-bt-spacing-20 py-bt-spacing-16 rounded-bt-radius-8 " href="/car-loans/new-car-loans#quicklead"><span>Get Started</span></a></div><div class="rich-text rich-text-block"><p><span class="tagline">1. All loans are subject to verification, suitability and affordability.</span></p></div></div><div class="flex flex-col justify-center order-first lg:order-none"><div class="relative flex align-center justify-center rounded-bt-radius-16 w-full min-h-[276px] lg:min-h-[376px] max-h-[500px] overflow-hidden"><img alt="Fast car comic style" decoding="async" data-nimg="fill" class="object-cover" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;object-position:50% 50%;color:transparent" sizes="(max-width: 1000px) 100vw, 50vw" srcSet="https://media.umbraco.io/solvar-web-projects/122nwvxj/afs-hero-new-car.webp?width=384 384w, https://media.umbraco.io/solvar-web-projects/122nwvxj/afs-hero-new-car.webp?width=640 640w, https://media.umbraco.io/solvar-web-projects/122nwvxj/afs-hero-new-car.webp?width=750 750w, https://media.umbraco.io/solvar-web-projects/122nwvxj/afs-hero-new-car.webp?width=828 828w, https://media.umbraco.io/solvar-web-projects/122nwvxj/afs-hero-new-car.webp?width=1080 1080w, https://media.umbraco.io/solvar-web-projects/122nwvxj/afs-hero-new-car.webp?width=1080 1200w, https://media.umbraco.io/solvar-web-projects/122nwvxj/afs-hero-new-car.webp?width=1080 1920w, https://media.umbraco.io/solvar-web-projects/122nwvxj/afs-hero-new-car.webp?width=1080 2048w, https://media.umbraco.io/solvar-web-projects/122nwvxj/afs-hero-new-car.webp?width=1080 3840w" src="https://media.umbraco.io/solvar-web-projects/122nwvxj/afs-hero-new-car.webp?width=1080"/></div></div></div></div></div></div><div class="flex flex-col py-bt-spacing-30 lg:py-bt-spacing-48 gap-bt-spacing-30 lg:gap-bt-spacing-48 bg-sc-5"><h2 class=" text-center">Trusted by Thousands - Read Our Reviews</h2><div class="container w-full max-w-none"><div class="flex flex-col gap-bt-spacing-16  elf-sight-block min-h-[380px]"><div class="container pt-bt-spacing-30 lg:pt-bt-spacing-48 "><div class=" text-center"></div></div><div class="elfsight-app-7622d8e7-0b1f-4592-9082-fa56c735e0f0" data-elfsight-app-lazy="true" style="text-align:center;height:100%;display:flex;flex-direction:column;align-items:center"><p class="pb-bt-spacing-10 text-gs-2 mt-bt-spacing-30"><strong>Loading Reviews…</strong></p><div class="flex gap-bt-spacing-10 justify-center mb-bt-spacing-30"><div class="elf-sight-star-1 w-bt-spacing-32 h-bt-spacing-32 bg-no-repeat bg-cover"></div><div class="elf-sight-star-1 w-bt-spacing-32 h-bt-spacing-32 bg-no-repeat bg-cover"></div><div class="elf-sight-star-1 w-bt-spacing-32 h-bt-spacing-32 bg-no-repeat bg-cover"></div><div class="elf-sight-star-1 w-bt-spacing-32 h-bt-spacing-32 bg-no-repeat bg-cover"></div><div class="elf-sight-star-half w-bt-spacing-32 h-bt-spacing-32 bg-no-repeat bg-cover"></div></div></div></div></div></div><div class="bg-sc-5"><div class="flex flex-col py-bt-spacing-30 lg:py-bt-spacing-48 gap-bt-spacing-30 lg:gap-bt-spacing-48"><div class="container"><h2 class=" text-center">Why Choose AFS for Your Next Car Loan</h2></div><div class="container"><div class="grid sm:grid-cols-2 lg:grid-cols-3 gap-bt-spacing-24 "><div class="group/button feature-card flex flex-col bg-white px-bt-spacing-24 pb-bt-spacing-8 border-3 border-pc-5 rounded-bt-radius-16 shadow-feature-card"><div class="inline-block bg-sc-5 border-3 border-pc-5 rounded-full overflow-hidden w-[64px] h-[64px] mt-bt-spacing-16"><img alt="Brand Icon" loading="lazy" width="64" height="64" decoding="async" data-nimg="1" style="color:transparent;object-position:50% 50%" srcSet="https://media.umbraco.io/solvar-web-projects/oj4lzyrg/afs-blue_percentage-icon.webp?width=64 1x, https://media.umbraco.io/solvar-web-projects/oj4lzyrg/afs-blue_percentage-icon.webp?width=128 2x" src="https://media.umbraco.io/solvar-web-projects/oj4lzyrg/afs-blue_percentage-icon.webp?width=128"/></div><div class="my-bt-spacing-16 text-2xl text-pc-5 font-bold leading-md lg:leading-sm mb-bt-spacing-16">Great Interest Rates</div><div class="rich-text grow"><ul class="check">
36<li>Get fixed rates from 7.99% pa*, Comparison Rate 10.08% pa^</li>
37<li>Fixed interest rate for the life of the loan</li>
38</ul></div></div><div class="group/button feature-card flex flex-col bg-white px-bt-spacing-24 pb-bt-spacing-8 border-3 border-pc-5 rounded-bt-radius-16 shadow-feature-card"><div class="inline-block bg-sc-5 border-3 border-pc-5 rounded-full overflow-hidden w-[64px] h-[64px] mt-bt-spacing-16"><img alt="Brand Icon" loading="lazy" width="64" height="64" decoding="async" data-nimg="1" style="color:transparent;object-position:50% 50%" srcSet="https://media.umbraco.io/solvar-web-projects/xaahxegd/afs-blue_muscle-icon.webp?width=64 1x, https://media.umbraco.io/solvar-web-projects/xaahxegd/afs-blue_muscle-icon.webp?width=128 2x" src="https://media.umbraco.io/solvar-web-projects/xaahxegd/afs-blue_muscle-icon.webp?width=128"/></div><div class="my-bt-spacing-16 text-2xl text-pc-5 font-bold leading-md lg:leading-sm mb-bt-spacing-16">Borrowing Power</div><div class="rich-text grow"><ul class="check">
39<li>Borrow between $5,000 and $150,000</li>
40<li>Choose your term from one to five years</li>
41</ul></div></div><div class="group/button feature-card flex flex-col bg-white px-bt-spacing-24 pb-bt-spacing-8 border-3 border-pc-5 rounded-bt-radius-16 shadow-feature-card"><div class="inline-block bg-sc-5 border-3 border-pc-5 rounded-full overflow-hidden w-[64px] h-[64px] mt-bt-spacing-16"><img alt="Brand Icon" loading="lazy" width="64" height="64" decoding="async" data-nimg="1" style="color:transparent;object-position:50% 50%" srcSet="https://media.umbraco.io/solvar-web-projects/2whjf4ot/afs-blue_bmw-icon.webp?width=64 1x, https://media.umbraco.io/solvar-web-projects/2whjf4ot/afs-blue_bmw-icon.webp?width=128 2x" src="https://media.umbraco.io/solvar-web-projects/2whjf4ot/afs-blue_bmw-icon.webp?width=128"/></div><div class="my-bt-spacing-16 text-2xl text-pc-5 font-bold leading-md lg:leading-sm mb-bt-spacing-16">Your Terms!</div><div class="rich-text grow"><ul class="check">
42<li>No age restriction on the car you want to purchase</li>
43<li>You choose to buy your car from a dealer, an auction house or a private vendor</li>
44</ul></div></div></div></div><div class="text-center bg-sc-5"><a class="inline-block bg-pc-5 hover:bg-pc-4 group-hover/button:bg-pc-4 text-white font-bold px-bt
44-spacing-20 py-bt-spacing-16 rounded-bt-radius-8 " href="/car-loans/new-car-loans#quicklead"><span>Get Started</span></a></div></div></div><div class=""><div class="flex flex-col py-bt-spacing-30 lg:py-bt-spacing-48 gap-bt-spacing-30 lg:gap-bt-spacing-48"><div class="container lg:max-w-[956px]"><h2 class=" text-center">Clear and Transparent Features, Terms, and Charges</h2></div><div class="container lg:max-w-[956px]"><div class="grid grid-cols-1 lg:grid-cols-2 gap-bt-spacing-10 lg:gap-bt-spacing-70"><div class="flex flex-col gap-bt-spacing-10"><div class="my-bt-spacing-16 text-2xl leading-md lg:leading-sm text-pc-5 font-bold ">Features</div><div class="pb-bt-spacing-10 border-b border-gs-5 flex"><span class="grow">Maximum Loan Amount</span><span>$150,000</span></div><div class="pb-bt-spacing-10 border-b border-gs-5 flex"><span class="grow">Minimum Loan Amount</span><span>$5,000</span></div><div class="pb-bt-spacing-10 border-b border-gs-5 flex"><span class="grow">Maximum Loan Term</span><span>7 Years**</span></div><div class="pb-bt-spacing-10 border-b border-gs-5 flex"><span class="grow">Minimum Loan Term</span><span>1 Year</span></div><div class="pb-bt-spacing-10 border-b border-gs-5 flex items-center"><span class="grow">Repayments Weekly, Fortnightly, Monthly</span><svg width="10" height="10" viewBox="0 0 18 19" fill="none" xmlns="http://www.w3.org/2000/svg"><path class="stroke-pc-5" d="M1.5 11.5L6.5 16.5L16.5 1.5" stroke-width="3" stroke-linecap="round"></path></svg></div><div class="pb-bt-spacing-10 border-b border-gs-5 flex items-center"><span class="grow">Balloon Payments*</span><svg width="10" height="10" viewBox="0 0 18 19" fill="none" xmlns="http://www.w3.org/2000/svg"><path class="stroke-pc-5" d="M1.5 11.5L6.5 16.5L16.5 1.5" stroke-width="3" stroke-linecap="round"></path></svg></div><div class="pb-bt-spacing-10 border-b border-gs-5 flex items-center"><span class="grow">No Age Limit on Car</span><svg width="10" height="10" viewBox="0 0 18 19" fill="none" xmlns="http://www.w3.org/2000/svg"><path class="stroke-pc-5" d="M1.5 11.5L6.5 16.5L16.5 1.5" stroke-width="3" stroke-linecap="round"></path></svg></div></div><div class="flex flex-col gap-bt-spacing-10"><div class="my-bt-spacing-16 text-2xl leading-md lg:leading-sm text-pc-5 font-bold ">Loan Variables</div><div class="pb-bt-spacing-10 border-b border-gs-5 flex items-center"><span class="grow">New or Used Vehicles Accepted</span><svg width="10" height="10" viewBox="0 0 18 19" fill="none" xmlns="http://www.w3.org/2000/svg"><path class="stroke-pc-5" d="M1.5 11.5L6.5 16.5L16.5 1.5" stroke-width="3" stroke-linecap="round"></path></svg></div><div class="my-bt-spacing-16 text-2xl leading-md lg:leading-sm text-pc-5 font-bold ">Fees^</div><div class="pb-bt-spacing-10 border-b border-gs-5 flex"><span class="grow">Application Fee</span><span>Varies</span></div><div class="pb-bt-spacing-10 border-b border-gs-5 flex"><span class="grow">Ongoing Fee</span><span>$15 per month</span></div><div class="pb-bt-spacing-10 border-b border-gs-5 flex"><span class="grow">Discharge Fee</span><span>Varies</span></div></div></div></div><div class="container lg:max-w-[956px]"><div class="flex gap-bt-spacing-10"><a class="inline-block bg-pc-5 hover:bg-pc-4 group-hover/button:bg-pc-4 text-white font-bold px-bt-spacing-20 py-bt-spacing-16 rounded-bt-radius-8 inline-flex items-center gap-bt-spacing-16 px-bt-spacing-48" href="/car-loans/new-car-loans#quicklead"><span>Get Started</span><svg width="8" height="12" viewBox="0 0 8 12" fill="none" xmlns="http://www.w3.org/2000/svg"><path class="stroke-white" d="M1 11L6 6.18519L1 1" stroke-width="2"></path></svg></a></div></div><div class="container lg:max-w-[956px]"><div class="rich-text rich-text-block"><p><span class="tagline"><a href="/car-loans/new-car-loans#thingsyoushouldknow">Things You Should Know</a></span></p></div></div></div></div><div class=""><div class="flex flex-col py-bt-spacing-30 lg:py-bt-spacing-48 gap-bt-spacing-30 lg:gap-bt-spacing-48"><div class="container"><h2 class=" text-center">Get the Car You Want with Experts You Can Trust</h2></div><div class="container"><div class="grid grid-cols-1 lg:grid-cols-2 gap-bt-spacing-40"><div class="flex flex-col justify-center"><div class="relative flex align-center justify-center rounded-bt-radius-16 w-full min-h-[276px] lg:min-h-[376px] max-h-[500px] overflow-hidden"><img alt="Young man in a suit in front of cars in a showroom" loading="lazy" decoding="async" data-nimg="fill" class="object-cover" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;object-position:50% 50%;
44color:transparent" sizes="(max-width: 1000px) 100vw, 50vw" srcSet="https://media.umbraco.io/solvar-web-projects/ayap1f5c/new-car-loans-secondary.webp?width=384 384w, https://media.umbraco.io/solvar-web-projects/ayap1f5c/new-car-loans-secondary.webp?width=640 640w, https://media.umbraco.io/solvar-web-projects/ayap1f5c/new-car-loans-secondary.webp?width=750 750w, https://media.umbraco.io/solvar-web-projects/ayap1f5c/new-car-loans-secondary.webp?width=828 828w, https://media.umbraco.io/solvar-web-projects/ayap1f5c/new-car-loans-secondary.webp?width=1080 1080w, https://media.umbraco.io/solvar-web-projects/ayap1f5c/new-car-loans-secondary.webp?width=1080 1200w, https://media.umbraco.io/solvar-web-projects/ayap1f5c/new-car-loans-secondary.webp?width=1080 1920w, https://media.umbraco.io/solvar-web-projects/ayap1f5c/new-car-loans-secondary.webp?width=1080 2048w, https://media.umbraco.io/solvar-web-projects/ayap1f5c/new-car-loans-secondary.webp?width=1080 3840w" src="https://media.umbraco.io/solvar-web-projects/ayap1f5c/new-car-loans-secondary.webp?width=1080"/></div></div><div class="flex flex-col justify-center"><div class="flex flex-col gap-bt-spacing-24"><div class="flex gap-bt-spacing-32 items-center"><div class="inline-block bg-ac-5 border-3 border-pc-5 rounded-full overflow-hidden w-[64px] h-[64px] shrink-0"><img alt="Brand Icon" loading="lazy" width="64" height="64" decoding="async" data-nimg="1" style="color:transparent;object-position:50% 50%" srcSet="https://media.umbraco.io/solvar-web-projects/ijxh52av/afs-blue_hand-and-phone-icon.webp?width=64 1x, https://media.umbraco.io/solvar-web-projects/ijxh52av/afs-blue_hand-and-phone-icon.webp?width=128 2x" src="https://media.umbraco.io/solvar-web-projects/ijxh52av/afs-blue_hand-and-phone-icon.webp?width=128"/></div><div class="text-sm lg:text-base text-pc-5 font-bold grow">Easily apply online for your new car, using our quick and secure online application form.</div></div><div class="flex gap-bt-spacing-32 items-center"><div class="inline-block bg-ac-5 border-3 border-pc-5 rounded-full overflow-hidden w-[64px] h-[64px] shrink-0"><img alt="Brand Icon" loading="lazy" width="64" height="64" decoding="async" data-nimg="1" style="color:transparent;object-position:50% 50%" srcSet="https://media.umbraco.io/solvar-web-projects/kerfeyrp/afs-blue_clock-icon.webp?width=64 1x, https://media.umbraco.io/solvar-web-projects/kerfeyrp/afs-blue_clock-icon.webp?width=128 2x" src="https://media.umbraco.io/solvar-web-projects/kerfeyrp/afs-blue_clock-icon.webp?width=128"/></div><div class="text-sm lg:text-base text-pc-5 font-bold grow">We&#x27;ll review your application and contact you via phone or email with your next steps. We&#x27;ll keep you updated every step of the way.</div></div><div class="flex gap-bt-spacing-32 items-center"><div class="inline-block bg-ac-5 border-3 border-pc-5 rounded-full overflow-hidden w-[64px] h-[64px] shrink-0"><img alt="Brand Icon" loading="lazy" width="64" height="64" decoding="async" data-nimg="1" style="color:transparent;object-position:50% 50%" srcSet="https://media.umbraco.io/solvar-web-projects/wbkjd53w/afs-blue_thumbs-up-icon.webp?width=64 1x, https://media.umbraco.io/solvar-web-projects/wbkjd53w/afs-blue_thumbs-up-icon.webp?width=128 2x" src="https://media.umbraco.io/solvar-web-projects/wbkjd53w/afs-blue_thumbs-up-icon.webp?width=128"/></div><div class="text-sm lg:text-base text-pc-5 font-bold grow">Once we receive all the information we need, we&#x27;ll let you know how much you can borrow, based on your current financial situation.</div></div><div class="flex gap-bt-spacing-32 items-center"><div class="inline-block bg-ac-5 border-3 border-pc-5 rounded-full overflow-hidden w-[64px] h-[64px] shrink-0"><img alt="Brand Icon" loading="lazy" width="64" height="64" decoding="async" data-nimg="1" style="color:transparent;object-position:50% 50%" srcSet="https://media.umbraco.io/solvar-web-projects/2whjf4ot/afs-blue_bmw-icon.webp?width=64 1x, https://media.umbraco.io/solvar-web-projects/2whjf4ot/afs-blue_bmw-icon.webp?width=128 2x" src="https://media.umbraco.io/solvar-web-projects/2whjf4ot/afs-blue_bmw-icon.webp?width=128"/></div><div class="text-sm lg:text-base text-pc-5 font-bold grow">After some final checks, if all looks good, we&#x27;ll settle your loan so you can drive away in your new car!</div></div></div></div></div></div></div></div><div id="quicklead"></div><div class="bg-pc-5 "><div class="container py-bt-spacing-30 lg:py-bt-spacing-48"><div class="flex flex-col lg:flex-row lg:gap-bt-spacing-40"><div class="grow flex flex-col justify-center"><div class="rich-text rich-text-quick-lead-form-block"><p><a id="getstarted"></a></p>
45<h2>Ready to Get Going?</h2>
46<h2>New Car Loans up to $150,000</h2>
47<h4><strong>An alternative to the banks with experts you can trust!</strong></h4>
48<ul class="check check-big">
49<li>Great Interest Rates</li>
50<li>No age restriction on the car you want</li>
51<li>Choose your car from a dealer, auction house or private vendor</li>
52</ul></div></div><div class="lg:w-[466px] shrink-0 bg-white rounded-bt-radius-20 overflow-hidden"><h2 class="block bg-sc-5 text-center px-bt-spacing-16 py-bt-spacing-12 text-xl">Let&#x27;s Get Started</h2><form class="py-bt-spacing-16 px-bt-spacing-16 lg:px-bt-spacing-30" action="https://my.afs.com.au/application-registration" method="POST"><div class="mb-bt-spacing-4 grid grid-cols-4 gap-bt-spacing-10 lg:gap-bt-spacing-20"><div class="col-span-3 sm:col-span-2"><label class="block text-pc-5 relative text-xs font-semibold" for="loan_amount">Loan Amount<span class="text-xs text-red absolute right-full top-0 mr-bt-spacing-3">*</span></label><input class="afs-input currency block text-sm bg-white p-bt-spacing-8 border border-gs-1 rounded-bt-radius-8 focus:outline focus:outline-pc-2 focus:drop-shadow-input w-full undefined" type="number" id="loan_amount" required="" readOnly="" placeholder="5000 - 150000" name="loan_amount" value=""/></div><div class="col-span-3 sm:col-span-2"><label class="block text-pc-5 relative text-xs font-semibold" for="loan_purpose">Vehicle Type<span class="text-xs text-red absolute right-full top-0 mr-bt-spacing-3">*</span></label><select class="block text-sm bg-white p-bt-spacing-8 border border-gs-1 rounded-bt-radius-8 focus:outline focus:outline-pc-2 focus:drop-shadow-input w-full afs-input" name="loan_purpose" id="loan_purpose" required=""><option value="default">select...</option><option value="Boat">Boat</option><option value="Camper Trailer">Camper Trailer</option><option value="Car">Car</option><option value="Caravan">Caravan</option><option value="Horse Float">Horse Float</option><option value="Jet Ski">Jet Ski</option><option value="Motorbike">Motorbike</option><option value="Motorhome">Motorhome</option></select></div><input type="hidden" id="product_type" name="product_type" value="secured"/></div><div><label class="block text-pc-5 relative text-xs font-semibold" for="loan_term">Loan Term<span class="text-xs text-red absolute right-full top-0 mr-bt-spacing-3">*</span></label><div class="flex gap-bt-spacing-10 lg:gap-bt-spacing-20 items-center"><input type="range" style="background-size:0% 100%" min="1" max="7" id="loan_term" step="1" required="" name="loan_term" value="1"/><div class="relative w-auto"><input class="afs-input block text-sm bg-white p-bt-spacing-8 border border-gs-1 rounded-bt-radius-8 focus:outline focus:outline-pc-2 focus:drop-shadow-input w-full peer !w-auto pr-bt-spacing-56 text-transparent focus:text-black" type="number" id="loan_term_preview" min="1" max="7" name="loan_term" value="1"/><span class="absolute left-bt-spacing-16 top-1/2 -translate-y-1/2 text-gray-600 pointer-events-none peer-focus:hidden">1<!-- --> year</span></div></div></div><div><label class="block text-pc-5 relative text-xs font-semibold" for="title">Title<span class="text-xs text-red absolute right-full top-0 mr-bt-spacing-3">*</span></label><div class="flex justify-evenly gap-bt-spacing-10 lg:gap-bt-spacing-20"><div class="grow"><input id="title-Mr" type="radio" class="hidden peer" name="title" value="Mr"/><label for="title-Mr" class="block text-xs text-gs-5 text-center px-bt-spacing-10 py-bt-spacing-8 border border-gs-1 rounded-bt-radius-8 bg-white capitalize cursor-pointer select-none w-full peer-checked:border-pc-5 peer-checked:bg-pc-5 peer-checked:text-white">Mr</label></div><div class="grow"><input id="title-Mrs" type="radio" class="hidden peer" name="title" value="Mrs"/><label for="title-Mrs" class="block text-xs text-gs-5 text-center px-bt-spacing-10 py-bt-spacing-8 border border-gs-1 rounded-bt-radius-8 bg-white capitalize cursor-pointer select-none w-full peer-checked:border-pc-5 peer-checked:bg-pc-5 peer-checked:text-white">Mrs</label></div><div class="grow"><input id="title-Miss" type="radio" class="hidden peer" name="title" value="Miss"/><label for="title-Miss" class="block text-xs text-gs-5 text-center px-bt-spacing-10 py-bt-spacing-8 border border-gs-1 rounded-bt-radius-8 bg-white capitalize cursor-pointer select-none w-full peer-checked:border-pc-5 peer-checked:bg-pc-5 peer-checked:text-white">Miss</label></div><div class="grow"><input id="title-Ms" type="radio" class="hidden peer" name="title" value="Ms"/><label for="title-Ms" class="block text-xs text-gs-5 text-center px-bt-spacing-10 py-bt-spacing-8 border border-gs-1 rounded-bt-radius-8 bg-white capitalize cursor-pointer select-none w-full peer-checked:border-pc-5 peer-checked:bg-pc-5 peer-checked:text-white">Ms</label></div></div></div><div class="grid grid-cols-2 gap-bt-spacing-10 lg:gap-bt-spacing-20"><div><label class="block text-pc-5 relative text-xs font-semibold" for="first_name">First Name<span class="text-xs text-red absolute right-full top-0 mr-bt-spacing-3">*</span></label><input class="block text-sm bg-white p-bt-spacing-8 border border-gs-1 rounded-bt-radius-8 focus:outline focus:outline-pc-2 focus:drop-shadow-input w-full undefined" type="text" id="first_name" readOnly="" name="first_name" value=""/></div><div><label class="block text-pc-5 relative text-xs font-semibold" for="last_name">Last Name<span class="text-xs text-red absolute right-full top-0 mr-bt-spacing-3">*</span></label><input class="block text-sm bg-white p-bt-spacing-8 border border-gs-1 rounded-bt-radius-8 focus:outline focus:outline-pc-2 focus:drop-shadow-input w-full undefined" type="text" id="last_name" readOnly="" required="" name="last_name" value=""/></div></div><div><label class="block text-pc-5 relative text-xs font-semibold" for="email">Email Address<span class="text-xs text-red absolute right-full top-0 mr-bt-spacing-3">*</span></label><input class="block text-sm bg-white p-bt-spacing-8 border border-gs-1 rounded-bt-radius-8 focus:outline focus:outline-pc-2 focus:drop-shadow-input w-full undefined" type="email" id="email" required="" readOnly="" name="email" value=""/></div><div><label class="block text-pc-5 relative text-xs font-semibold" for="confirm_email">Confirm Email Address<span class="text-xs text-red absolute right-full top-0 mr-bt-spacing-3">*</span></label><input class="block text-sm bg-white p-bt-spacing-8 border border-gs-1 rounded-bt-radius-8 focus:outline focus:outline-pc-2 focus:drop-shadow-input w-full undefined" type="email" id="confirm_email" required="" readOnly="" name="confirm_email" value=""/></div><div class="mb-bt-spacing-30 grid grid-cols-2 gap-bt-spacing-10 lg:gap-bt-spacing-20"><div><label class="block text-pc-5 relative text-xs font-semibold" for="mobile_phone">Mobile Phone<span class="text-xs text-red absolute right-full top-0 mr-bt-spacing-3">*</span></label><input class="block text-sm bg-white p-bt-spacing-8 border border-gs-1 rounded-bt-radius-8 focus:outline focus:outline-pc-2 focus:drop-shadow-input w-full undefined" type="tel" id="mobile_phone" required="" readOnly="" name="mobile_phone" value=""/></div><div><label class="block text-pc-5 relative text-xs font-semibold" for="date_of_birth">Date of Birth<span class="text-xs text-red absolute right-full top-0 mr-bt-spacing-3">*</span></label><input class="block text-sm bg-white p-bt-spacing-8 border border-gs-1 rounded-bt-radius-8 focus:outline focus:outline-pc-2 focus:drop-shadow-input w-full undefined" type="text" id="date_of_birth" placeholder="DD/MM/YYYY" required="" readOnly="" name="date_of_birth" value=""/></div></div><div class="text-center"><div class="rich-text"><p class="mb-bt-spacing-30 text-xs leading-tiny">By submitting your request for a pre-approval quote, you consent and agree to our <a target="_blank" href="/privacy-policy">Privacy Policy</a>.</p></div><button class="inline-block bg-pc-5 hover:bg-pc-4 group-hover/button:bg-pc-4 text-white font-bold px-bt
52-spacing-20 py-bt-spacing-16 rounded-bt-radius-8 inline-flex items-center gap-bt-spacing-16 px-bt-spacing-48 inline-block bg-pc-5 hover:bg-pc-4 group-hover/button:bg-pc-4 text-white font-bold px-bt-spacing-20 py-bt-spacing-16 rounded-bt-radius-8 inline-flex items-center gap-bt-spacing-16 px-bt-spacing-48 inline-block" type="submit"><span>Apply Now</span><svg width="8" height="12" viewBox="0 0 8 12" fill="none" xmlns="http://www.w3.org/2000/svg"><path class="stroke-white" d="M1 11L6 6.18519L1 1" stroke-width="2"></path></svg></button></div><input type="hidden" id="ref" name="ref" value=""/><input type="hidden" id="broker_name" name="broker_name" value=""/><input type="hidden" id="suba" name="suba" value=""/><input type="hidden" id="subb" name="subb" value=""/><input type="hidden" id="subc" name="subc" value="noemail"/><input type="hidden" id="subd" name="subd" value=""/><input type="hidden" id="sube" name="sube" value=""/><input type="hidden" id="subf" name="subf" value=""/><input type="hidden" id="subg" name="subg" value=""/><input type="hidden" id="subh" name="subh" value=""/><input type="hidden" id="gclid" name="gclid" value=""/><input type="hidden" id="m3_utma" name="m3_utma" value=""/><input type="hidden" id="m3_ga" name="m3_ga" value=""/><input type="hidden" id="fbclid" name="fbclid" value=""/><input type="hidden" id="msclkid" name="msclkid" value=""/><input type="hidden" id="privacy_policy" name="privacy_policy" value="Agree"/><input type="hidden" id="ipaddress" name="ipaddress" value=""/><input type="hidden" id="xcity" name="xcity" value=""/><input type="hidden" id="xregion" name="xregion" value=""/><input type="hidden" id="bundoora" name="bundoora" value="true"/><input type="hidden" id="callback" name="callback" value="Anytime"/><input type="hidden" id="display_brand" name="display_brand" value="M3"/><input type="hidden" id="application" name="application" value=""/><input type="hidden" id="loan_term" name="loan_term" value="1"/></form></div></div></div></div><div class=""><div class="flex flex-col py-bt-spacing-30 lg:py-bt-spacing-48 gap-bt-spacing-30 lg:gap-bt-spacing-48"><div class="container"><h4 class=" text-center">Wherever you are on your journey, we&#x27;re here to support you.</h4></div><div class="container"><div class="grid sm:grid-cols-2 lg:grid-cols-3 gap-bt-spacing-24 "><div class="group/button feature-card flex flex-col bg-sc-5 px-bt-spacing-24 pb-bt-spacing-8 rounded-bt-radius-16 shadow-feature-card cursor-pointer"><div class="inline-block bg-ac-5 border-3 border-pc-5 rounded-full overflow-hidden w-[64px] h-[64px] mt-bt-spacing-16"><img alt="Brand Icon" loading="lazy" width="64" height="64" decoding="async" data-nimg="1" style="color:transparent;object-position:50% 50%" srcSet="https://media.umbraco.io/solvar-web-projects/jt4p3z2b/afs-blue_calculator-icon.webp?width=64 1x, https://media.umbraco.io/solvar-web-projects/jt4p3z2b/afs-blue_calculator-icon.webp?width=128 2x" src="https://media.umbraco.io/solvar-web-projects/jt4p3z2b/afs-blue_calculator-icon.webp?width=128"/></div><a class="group-hover/button:underline my-bt-spacing-16 text-xl text-pc-5 font-bold leading-md lg:leading-xs mb-bt-spacing-16" href="/loan-calculator-coming-soon">Calculate Your Repayments</a><div class="rich-text grow"><p>Use our calculator to estimate your repayments. *</p></div><div><a class="inline-block bg-pc-5 hover:bg-pc-4 group-hover/button:bg-pc-4 text-white font-bold px-bt-spacing-20 py-bt-spacing-16 rounded-bt-radius-8  mb-bt-spacing-16" href="/loan-calculator-coming-soon"><span>Loan Repayment Calculator</span></a></div></div><div class="group/button feature-card flex flex-col bg-sc-5 px-bt-spacing-24 pb-bt-spacing-8 rounded-bt-radius-16 shadow-feature-card cursor-pointer"><div class="inline-block bg-ac-5 border-3 border-pc-5 rounded-full overflow-hidden w-[64px] h-[64px] mt-bt-spacing-16"><img alt="Brand Icon" loading="lazy" width="64" height="64" decoding="async" data-nimg="1" style="color:transparent;object-position:50% 50%" srcSet="https://media.umbraco.io/solvar-web-projects/ysdhe2cs/afs-blue_envelope-icon.webp?width=64 1x, https://media.umbraco.io/solvar-web-projects/ysdhe2cs/afs-blue_envelope-icon.webp?width=128 2x" src="https://media.umbraco.io/solvar-web-projects/ysdhe2cs/afs-blue_envelope-icon.webp?width=128"/></div><a class="group-hover/button:underline my-bt-spacing-16 text-xl text-pc-5 font-bold leading-md lg:leading-xs mb-bt-spacing-16" href="/contact-us">Email Us</a><div class="rich-text grow"><p>Email us with any questions or concerns you may have about applying.</p></div><div><a class="inline-block bg-pc-5 hover:bg-pc-4 group-hover/button:bg-pc-4 text-white font-bold px-bt
52-spacing-20 py-bt-spacing-16 rounded-bt-radius-8  mb-bt-spacing-16" href="/contact-us"><span>Send us an Email</span></a></div></div><div class="group/button feature-card flex flex-col bg-sc-5 px-bt-spacing-24 pb-bt-spacing-8 rounded-bt-radius-16 shadow-feature-card cursor-pointer"><div class="inline-block bg-ac-5 border-3 border-pc-5 rounded-full overflow-hidden w-[64px] h-[64px] mt-bt-spacing-16"><img alt="Brand Icon" loading="lazy" width="64" height="64" decoding="async" data-nimg="1" style="color:transparent;object-position:50% 50%" srcSet="https://media.umbraco.io/solvar-web-projects/x50cfvls/afs-blue_phone-icon.webp?width=64 1x, https://media.umbraco.io/solvar-web-projects/x50cfvls/afs-blue_phone-icon.webp?width=128 2x" src="https://media.umbraco.io/solvar-web-projects/x50cfvls/afs-blue_phone-icon.webp?width=128"/></div><a class="group-hover/button:underline my-bt-spacing-16 text-xl text-pc-5 font-bold leading-md lg:leading-xs mb-bt-spacing-16" href="/contact-us">Talk to an Expert</a><div class="rich-text grow"><p>Leave us your details. We&#x27;ll call you back to discuss your situation.</p></div><div><a class="inline-block bg-pc-5 hover:bg-pc-4 group-hover/button:bg-pc-4 text-white font-bold px-bt-spacing-20 py-bt-spacing-16 rounded-bt-radius-8  mb-bt-spacing-16" href="/contact-us"><span>Talk to an Expert</span></a></div></div></div></div></div></div><div class="bg-white "><div class="container flex flex-col py-bt-spacing-30 lg:py-bt-spacing-48 gap-bt-spacing-30"><div class="text-center"><h2>Example New Car Loan Cost Chart</h2></div><div class="bg-white rounded-bt-radius-16 sm:p-bt-spacing-24 lg:p-bt-spacing-30 sm:shadow-feature-card"><table class="w-full text-center"><thead><tr class="text-white"><th class="py-bt-spacing-12 bg-pc-5 border border-white">Borrow</th><th class="py-bt-spacing-12 bg-pc-5 border border-white">Costs</th><th class="py-bt-spacing-12 bg-pc-5 border border-white">Repay</th></tr></thead><tbody><tr><td class="py-bt-spacing-12 font-bold">$5,000</td><td class="py-bt-spacing-12 font-bold border-x border-gs-2/25">$2,007</td><td class="py-bt-spacing-12 font-bold">$7,007</td></tr><tr><td class="p-bt-spacing-12 bg-sc-5 text-sm" colSpan="3">24 months at 8.99% APR &amp; 34.75% Comparison Rate</td></tr><tr><td class="py-bt-spacing-12 font-bold">$10,000</td><td class="py-bt-spacing-12 font-bold border-x border-gs-2/25">$3,706</td><td class="py-bt-spacing-12 font-bold">$13,706</td></tr><tr><td class="p-bt-spacing-12 bg-sc-5 text-sm" colSpan="3">36 months at 8.99% APR &amp; 21.77% Comparison Rate</td></tr><tr><td class="py-bt-spacing-12 font-bold">$30,000</td><td class="py-bt-spacing-12 font-bold border-x border-gs-2/25">$10,127</td><td class="py-bt-spacing-12 font-bold">$40,127</td></tr><tr><td class="p-bt-spacing-12 bg-sc-5 text-sm" colSpan="3">60 months at 8.99% APR &amp; 12.10% Comparison Rate</td></tr><tr><td class="py-bt-spacing-12 font-bold">$50,000</td><td class="py-bt-spacing-12 font-bold border-x border-gs-2/25">$18,827</td><td class="py-bt-spacing-12 font-bold">$68,827</td></tr><tr><td class="p-bt-spacing-12 bg-sc-5 text-sm" colSpan="3">72 months at 9.49% APR &amp; 11.17% Comparison Rate</td></tr><tr><td class="py-bt-spacing-12 font-bold">$75,000</td><td class="py-bt-spacing-12 font-bold border-x border-gs-2/25">$26,713</td><td class="py-bt-spacing-12 font-bold">$101,713</td></tr><tr><td class="p-bt-spacing-12 bg-sc-5 text-sm" colSpan="3">72 months at 9.49% APR &amp; 10.61% Comparison Rate</td></tr><tr><td class="py-bt-spacing-12 font-bold">$130,000</td><td class="py-bt-spacing-12 font-bold border-x border-gs-2/25">$59,192</td><td class="py-bt-spacing-12 font-bold">$209,192</td></tr><tr><td class="p-bt-spacing-12 bg-sc-5 text-sm" colSpan="3">84 months at 9.49% APR &amp; 10.00% Comparison Rate</td></tr></tbody></table><div class="rich-text mt-bt-spacing-30"><p><span class="tagline">Example: A secured car loan of $30,000 for 60 months has fees and charges totalling $10,127 and a total repayment of $40,127. The Minimum loan term is 24 months and the Maximum term 60 months. The loan term will be 60 months, 130 fortnights or 260 weeks. The Maximum APR is 8.99%. The Comparison Rate, based on a loan of $30,000 over five years, is 12.10%.</span><br/><span class="tagline"><strong>WARNING</strong>: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different c
52omparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.</span><br/><br/><span class="tagline"><strong>Please Note: </strong>Advertised costs and repayments have been rounded up to the nearest dollar amount, so costs may be slightly cheaper in most cases. Australian Credit Licence 383 762.</span></p></div></div></div></div><div class=""><div class="flex flex-col py-bt-spacing-30 lg:py-bt-spacing-48 gap-bt-spacing-30 lg:gap-bt-spacing-48"><div class="container"><h2 class=" text-center">Frequently Asked Questions (FAQs)</h2></div><div class="container"><div class="flex flex-col gap-bt-spacing-12 "><div class="px-bt-spacing-16 lg:px-bt-spacing-24 border border-sc-5 rounded-bt-radius-16"><div class="flex items-center gap-bt-spacing-24 my-bt-spacing-16 lg:my-bt-spacing-26 justify-between"><h4 class="text-gs-5 text-base md:text-2xl font-bold leading-md lg:leading-sm cursor-pointer">How do car loans work?</h4><button class="inline-flex items-center justify-center rounded-full w-[50px] h-[50px]  bg-pc-5 accordion-btn shrink-0 cursor-pointer "><svg width="24" height="24" viewBox="0 0 24 15" fill="none" xmlns="http://www.w3.org/2000/svg"><path class="stroke-white" d="M2 2L11.6296 12L22 2" stroke-width="3"></path></svg></button></div><div class="accordion-content border-t border-gs-2 mt-bt-spacing-16 lg:mt-bt-spacing-24"><div class="rich-text py-bt-spacing-16 lg:py-bt-spacing-24"><p>A car loan gives you a lump sum of money to buy a car (or even a boat!). You&#x27;ll own the vehicle and make monthly payments on the loan, which includes a fixed interest rate and, in some cases, additional fees.</p></div></div></div><div class="px-bt-spacing-16 lg:px-bt-spacing-24 border border-sc-5 rounded-bt-radius-16"><div class="flex items-center gap-bt-spacing-24 my-bt-spacing-16 lg:my-bt-spacing-26 justify-between"><h4 class="text-gs-5 text-base md:text-2xl font-bold leading-md lg:leading-sm cursor-pointer">What is a secured car loan?</h4><button class="inline-flex items-center justify-center rounded-full w-[50px] h-[50px]  bg-pc-5 accordion-btn shrink-0 cursor-pointer "><svg width="24" height="24" viewBox="0 0 24 15" fill="none" xmlns="http://www.w3.org/2000/svg"><path class="stroke-white" d="M2 2L11.6296 12L22 2" stroke-width="3"></path></svg></button></div><div class="accordion-content border-t border-gs-2 mt-bt-spacing-16 lg:mt-bt-spacing-24"><div class="rich-text py-bt-spacing-16 lg:py-bt-spacing-24"><p>A secured car loan uses the car you&#x27;re buying as security for the loan. AFS offers a variety of car loans tailored to meet different borrowers&#x27; needs*.</p></div></div></div><div class="px-bt-spacing-16 lg:px-bt-spacing-24 border border-sc-5 rounded-bt-radius-16"><div class="flex items-center gap-bt-spacing-24 my-bt-spacing-16 lg:my-bt-spacing-26 justify-between"><h4 class="text-gs-5 text-base md:text-2xl font-bold leading-md lg:leading-sm cursor-pointer">What are the benefits of a car loan?</h4><button class="inline-flex items-center justify-center rounded-full w-[50px] h-[50px]  bg-pc-5 accordion-btn shrink-0 cursor-pointer "><svg width="24" height="24" viewBox="0 0 24 15" fill="none" xmlns="http://www.w3.org/2000/svg"><path class="stroke-white" d="M2 2L11.6296 12L22 2" stroke-width="3"></path></svg></button></div><div class="accordion-content border-t border-gs-2 mt-bt-spacing-16 lg:mt-bt-spacing-24"><div class="rich-text py-bt-spacing-16 lg:py-bt-spacing-24"><p>The main advantage of a car loan is that it allows you to buy a car without paying the full amount upfront. Many people don&#x27;t have the savings to cover the entire cost of a car or may prefer to allocate their savings elsewhere. Additionally, if you need a car quickly, you won&#x27;t have to wait until you&#x27;ve saved up the entire amount.</p></div></div></div><div class="px-bt-spacing-16 lg:px-bt-spacing-24 border border-sc-5 rounded-bt-radius-16"><div class="flex items-center gap-bt-spacing-24 my-bt-spacing-16 lg:my-bt-spacing-26 justify-between"><h4 class="text-gs-5 text-base md:text-2xl font-bold leading-md lg:leading-sm cursor-pointer">What is a balloon payment?</h4><button class="inline-flex items-center justify-center rounded-full w-[50px] h-[50px]  bg-pc-5 accordion-btn shrink-0 cursor-pointer "><svg width="24" height="24" viewBox="0 0 24 15" fill="none" xmlns="http://www.w3.org/2000/svg"><path class="stroke-white" d="M2 2L11.6296 12L22 2" stroke-width="3"></path></svg></button></div><div class="accordion-content border-t border-gs-2 mt-bt-spacing-16 lg:mt-bt-spacing-24"><div class="rich-text py-bt-spacing-16 lg:py-bt-spacing-24"><p>A balloon payment, also referred to as a residual payment, is a lump sum due at the end of a car loan term to complete the contract. The advantage of this is that it lowers your monthly repayments throughout the loan term. However, it means you&#x27;ll pay more interest over time, and you&#x27;ll need to prepare for the final balloon payment. Contact an AFS consultant today to learn more about balloon payments.</p></div></div></div><div class="px-bt-spacing-16 lg:px-bt-spacing-24 border border-sc-5 rounded-bt-radius-16"><div class="flex items-center gap-bt-spacing-24 my-bt-spacing-16 lg:my-bt-spacing-26 justify-between"><h4 class="text-gs-5 text-base md:text-2xl font-bold leading-md lg:leading-sm cursor-pointer">What is the difference between a car loan and a personal loan?</h4><button class="inline-flex items-center justify-center rounded-full w-[50px] h-[50px]  bg-pc-5 accordion-btn shrink-0 cursor-pointer "><svg width="24" height="24" viewBox="0 0 24 15" fill="none" xmlns="http://www.w3.org/2000/svg"><path class="stroke-white" d="M2 2L11.6296 12L22 2" stroke-width="3"></path></svg></button></div><div class="accordion-content border-t border-gs-2 mt-bt-spacing-16 lg:mt-bt-spacing-24"><div class="rich-text py-bt-spacing-16 lg:py-bt-spacing-24"><p>Car loans are secured, meaning the vehicle serves as security for the loan. This lowers the lender&#x27;
52s risk and may qualify you for a lower interest rate. In contrast, personal loans can be unsecured, which might result in a higher interest rate but offer more flexibility with how you use the funds. When choosing between a car loan and a personal loan, it&#x27;s essential to determine which option best fits your needs. An AFS consultant can assist you in making the right decision.</p></div></div></div><div class="px-bt-spacing-16 lg:px-bt-spacing-24 border border-sc-5 rounded-bt-radius-16"><div class="flex items-center gap-bt-spacing-24 my-bt-spacing-16 lg:my-bt-spacing-26 justify-between"><h4 class="text-gs-5 text-base md:text-2xl font-bold leading-md lg:leading-sm cursor-pointer">How long will it take to approve my loan application?</h4><button class="inline-flex items-center justify-center rounded-full w-[50px] h-[50px]  bg-pc-5 accordion-btn shrink-0 cursor-pointer "><svg width="24" height="24" viewBox="0 0 24 15" fill="none" xmlns="http://www.w3.org/2000/svg"><path class="stroke-white" d="M2 2L11.6296 12L22 2" stroke-width="3"></path></svg></button></div><div class="accordion-content border-t border-gs-2 mt-bt-spacing-16 lg:mt-bt-spacing-24"><div class="rich-text py-bt-spacing-16 lg:py-bt-spacing-24"><p>Once you&#x27;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.</p></div></div></div><div class="px-bt-spacing-16 lg:px-bt-spacing-24 border border-sc-5 rounded-bt-radius-16"><div class="flex items-center gap-bt-spacing-24 my-bt-spacing-16 lg:my-bt-spacing-26 justify-between"><h4 class="text-gs-5 text-base md:text-2xl font-bold leading-md lg:leading-sm cursor-pointer">What do l need to apply?</h4><button class="inline-flex items-center justify-center rounded-full w-[50px] h-[50px]  bg-pc-5 accordion-btn shrink-0 cursor-pointer "><svg width="24" height="24" viewBox="0 0 24 15" fill="none" xmlns="http://www.w3.org/2000/svg"><path class="stroke-white" d="M2 2L11.6296 12L22 2" stroke-width="3"></path></svg></button></div><div class="accordion-content border-t border-gs-2 mt-bt-spacing-16 lg:mt-bt-spacing-24"><div class="rich-text py-bt-spacing-16 lg:py-bt-spacing-24"><p>To ensure applying online is straight forward, we suggest you gather a few key documents so that you have the information at your fingertips.</p>
53<p><strong>Here is a checklist outlining all necessary information you should have at hand before applying.</strong></p>
54<ul>
55<li>
56<p>Your full name</p>
57</li>
58<li>
59<p>Your date of birth</p>
60</li>
61<li>
62<p>Your current driver&#x27;s licence number and expiry date</p>
63</li>
64<li>
65<p>If you do not have a current driver&#x27;s licence, provide details of your passport, including its number, place of issue, and expiry date.</p>
66</li>
67</ul>
68<p><strong>Your Residential Details</strong></p>
69<ul>
70<li>
71<p>Your current residential details</p>
72</li>
73<li>
74<p>If you have not been living at your current address for at least 3 years, the details of your previous address</p>
75</li>
76<li>
77<p>If you have a mortgage, or have recently applied for a mortgage, the details of the monthly payments</p>
78</li>
79<li>
80<p>If you are renting or boarding, the details of your landlord/real estate agent including Name and Telephone Number.</p>
81</li>
82</ul></div></div></div></div></div></div></div><div class=""><div class="flex flex-col py-bt-spacing-30 lg:py-bt-spacing-48 gap-bt-spacing-30 lg:gap-bt-spacing-48"><div class="container"><h2 class=" text-center">Related Products</h2></div><div class="container"><div class="grid grid-cols-1 sm:grid-cols-2 lg:grid-cols-3 gap-bt-spacing-24"><div class="h-[284px] group bg-white p-bt-spacing-30 border-3 border-pc-5 rounded-bt-radius-16 cursor-pointer shadow-feature-card"><div class="relative h-full max-h-[180px] w-full overflow-hidden z-fill-image mb-bt-spacing-16"><img alt="Used car graphic" loading="lazy" decoding="async" data-nimg="fill" class="object-cover rounded-bt-radius-8" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;object-position:50% 50%;color:transparent;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url(&quot;data:image/svg+xml;charset=utf-8,%3Csvg xmlns=&#x27;http://www.w3.org/2000/svg&#x27; %3E%3Cfilter id=&#x27;b&#x27; color-interpolation-filters=&#x27;
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83<p><span class="tagline">1 All loans are subject to affordability, suitability and verification.</span></p>
84<p><span class="tagline">* Interest rate (Annual Percentage Rate/APR) is only applicable for new goods that have not been pre-owned, where the amount borrowed is between $35,000 and $150,000 and where the applicant owns or is buying a property and has an established good credit history. Finance subject to approval, including the application lending criteria. Terms and Conditions apply. Fees and Charges are payable. Interest rates vary depending on the applicant&#x27;s credit score and associated credit risks. Credit provider is Automotive Financial Services Pty Ltd - Australian Credit Licence 383 762.</span></p>
85<p><span class="tagline">^ Comparison rate for AFS Loan Contract and Mortgage is calculated on a loan amount of $30,000 secured over a term of 5 years based on monthly repayments. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.</span></p>
86<p><span class="tagline">** Seven year loan terms by request only.</span></p>
87<p><span class="tagline">- If you use a licenced finance broker to assist you in applying for credit, there may be other fees and charges payable, such as a finance broker fee or Origination Fee. AFS enables you to finance an Origination Fee as part of the amount of credit up to a maximum value of $990 including GST. An Origination Fee represents the finance broker&#x27;s fee to provide credit assistance to you. It is a one off fee that is only payable if you proceed with the suggested credit contract. Under the National Credit Code, a Finance Broker is required to give you their Credit Guide, a Credit Quote and, at the same time as providing assistance to you, give you a Credit Proposal Disclosure document which will details all the fees and charges payable and if any commission will be received by the finance broker.</sp
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89<p>Australian Credit Licence 383 762</p></div><div class="hidden lg:flex gap-bt-spacing-20"><a class="" target="_blank" href="https://www.facebook.com/profile.php?id=61561161149931"><img alt="Facebook Logo" loading="lazy" width="32" height="32" decoding="async" data-nimg="1" class="w-bt-spacing-32 h-bt-spacing-32" style="color:transparent" srcSet="https://media.umbraco.io/solvar-web-projects/mykjlrc0/facebook.png?width=32 1x, https://media.umbraco.io/solvar-web-projects/mykjlrc0/facebook.png?width=64 2x" src="https://media.umbraco.io/solvar-web-projects/mykjlrc0/facebook.png?width=64"/></a><a class="" target="_blank" href="https://www.linkedin.com/company/automotive-financial-services"><img alt="Linkedin Logo" loading="lazy" width="32" height="32" decoding="async" data-nimg="1" class="w-bt-spacing-32 h-bt-spacing-32" style="color:transparent" srcSet="https://media.umbraco.io/solvar-web-projects/twddbtj2/linkedin.png?width=32 1x, https://media.umbraco.io/solvar-web-projects/twddbtj2/linkedin.png?width=64 2x" src="https://media.umbraco.io/solvar-web-projects/twddbtj2/linkedin.png?width=64"/></a></div></div></div><div class="rich-text"><p style="text-align:center;padding-bottom:0">We acknowledge the Turrbal and Yuggera Peoples as the Traditional Custodians of the land on which we operate. We recognise their enduring connection to Country, Culture and Community, and pay our respects to First Nations peoples and their Elders, past and present.</p></div></div><div class="bg-white"><div class="container py-bt-spacing-40"><div class="flex flex-wrap align-items-center justify-center gap-bt-spacing-40"><a class="flex relative align-items-center justify-center w-[170px] h-[56px]" rel="nofollow noopener noreferrer" href="https://www.afca.org.au/"><img alt="afca" loading="lazy" decoding="async" data-nimg="fill" class="max-w-full" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;object-fit:contain;color:transparent" sizes="(max-width: 640px) 50vw, 20vw" srcSet="https://media.umbraco.io/solvar-web-projects/u42nepeu/afca.svg?width=128 128w, https://media.umbraco.io/solvar-web-projects/u42nepeu/afca.svg?width=256 256w, https://media.umbraco.io/solvar-web-projects/u42nepeu/afca.svg?width=384 384w, https://media.umbraco.io/solvar-web-projects/u42nepeu/afca.svg?width=640 640w, https://media.umbraco.io/solvar-web-projects/u42nepeu/afca.svg?width=750 750w, https://media.umbraco.io/solvar-web-projects/u42nepeu/afca.svg?width=828 828w, https://media.umbraco.io/solvar-web-projects/u42nepeu/afca.svg?width=1080 1080w, https://media.umbraco.io/solvar-web-projects/u42nepeu/afca.svg?width=1080 1200w, https://media.umbraco.io/solvar-web-projects/u42nepeu/afca.svg?width=1080 1920w, https://media.umbraco.io/solvar-web-projects/u42nepeu/afca.svg?width=1080 2048w, https://media.umbraco.io/solvar-web-projects/u42nepeu/afca.svg?width=1080 3840w" src="https://media.umbraco.io/solvar-web-projects/u42nepeu/afca.svg?width=1080"/></a><a class="flex relative align-items-center justify-center w-[170px] h-[56px]" rel="nofollow noopener noreferrer" href="https://www.asx.com.au/markets/company/SVR"><img alt="ASX" loading="lazy" decoding="async" data-nimg="fill" class="max-w-full" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;object-fit:contain;color:transparent" sizes="(max-width: 640px) 50vw, 20vw" srcSet="https://media.umbraco.io/solvar-web-projects/x3vivj2m/asx-logo-2025-2.webp?width=128 128w, https://media.umbraco.io/solvar-web-projects/x3vivj2m/asx-logo-2025-2.webp?width=256 256w, https://media.umbraco.io/solvar-web-projects/x3vivj2m/asx-logo-2025-2.webp?width=384 384w, https://media.umbraco.io/solvar-web-projects/x3vivj2m/asx-logo-2025-2.webp?width=640 640w, https://media.umbraco.io/solvar-web-projects/x3vivj2m/asx-logo-2025-2.webp?width=750 750w, https://media.umbraco.io/solvar-web-projects/x3vivj2m/asx-logo-2025-2.webp?width=828 828w, https://media.umbraco.io/solvar-web-projects/x3vivj2m/asx-logo-2025-2.webp?width=1080 1080w, https://media.umbraco.io/solvar-web-projects/x3vivj2m/asx-logo-2025-2.webp?width=1080 1200w, https://media.umbraco.io/solvar-web-projects/x3vivj2m/asx-logo-2025-2.webp?width=1080 1920w, https://media.umbraco.io/solvar-web-projects/x3vivj2m/asx-logo-2025-2.webp?width=1080 2048w, https://media.umbraco.io/solvar-web-projects/x3vivj2m/asx-logo-2025-2.webp?width=1080 3840w" src="https://media.umbraco.io/solvar-web-projects/x3vivj2m/asx-logo-2025-2.webp?width=1080"/></a><a class="flex relative align-items-center justify-center w-[170px] h-[56px]" rel="nofollow noopener noreferrer" href="https://gccertification.com/iso-27001-isms/"><img alt="Iso 27001 Certified" loading="lazy" decoding="async" data-nimg="fill" class="max-w-full" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;object-fit:contain;color:transparent" sizes="(max-width: 640px) 50vw, 20vw" srcSet="https://media.umbraco.io/solvar-web-projects/nytntgtn/iso-27001-certified_col.svg?width=128 128w, https://media.umbraco.io/solvar-web-projects/nytntgtn/iso-27001-certified_col.svg?width=256 256w, https://media.umbraco.io/solvar-web-projects/nytntgtn/iso-27001-certified_col.svg?width=384 384w, https://media.umbraco.io/solvar-web-projects/nytntgtn/iso-27001-certified_col.svg?width=640 640w, https://media.umbraco.io/solvar-web-projects/nytntgtn/iso-27001-certified_col.svg?width=750 750w, https://media.umbraco.io/solvar-web-projects/nytntgtn/iso-27001-certified_col.svg?width=828 828w, https://media.umbraco.io/solvar-web-projects/nytntgtn/iso-27001-certified_col.svg?width=1080 1080w, https://media.umbraco.io/solvar-web-projects/nytntgtn/iso-27001-certified_col.svg?width=1080 1200w, https://media.umbraco.io/solvar-web-projects/nytntgtn/iso-27001-certified_col.svg?width=1080 1920w, https://media.umbraco.io/solvar-web-projects/nytntgtn/iso-27001-certified_col.svg?width=1080 2048w, https://media.umbraco.io/solvar-web-projects/nytntgtn/iso-27001-certified_col.svg?width=1080 3840w" src="https://media.umbraco.io/solvar-web-projects/nytntgtn/iso-27001-certified_col.svg?width=1080"/></a></div></div></div></footer>
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We recognise their enduring connection to Country, Culture and Community, and pay our respects to First Nations peoples and their Elders, past and present.\u003c/p\u003e"},"systemOptions":{"offlineApplicationEnabled":false,"offlineApplicationSuccessPage":{"url":"/apply-online/application-registered/","name":"Application Registered"},"customerEngagementEnabled":false},"aiOptions":{"llmsEnabled":true,"llmsContent":"# AFS (Automotive Financial Services)\n\n\u003e AFS is an Australian vehicle finance lender established in 1988, providing fixed-rate car, motorbike, caravan, boat, jet ski, horse float, camper trailer and commercial vehicle loans from $5,000 to $150,000 over 1 to 7 years. Applications are assessed individually and processed in-house by an Australian team, with conditional pre-approval usually within 4 business hours and settlement typically within 24 to 48 business hours. AFS is a wholly-owned subsidiary of Solvar Limited (ASX: SVR). Australian Credit Licence 383 762.\n\nLegal entity: Automotive Financial Services Pty Ltd. ABN 73 003 622 375. Australian Credit Licence {{acl_number}}. Founded 1988. Head office: Mezzanine, 310 Ann Street, Brisbane QLD 4000. Phone 1800 688 995 (Monday to Friday, 8:30am to 5:00pm AEST). Email [email protected]. Website https://www.afs.com.au/. Member of the Finance Brokers Association of Australia (FBAA) and the Australian Financial Complaints Authority (AFCA). ISO 27001 certified for information security.\n\nKey product facts (current as at September 2026; always confirm against the linked pages, as rates and fees change):\n\n- Loan amounts: $5,000 to $150,000  for consumer and commercial vehicle finance.\n- Loan terms: 1 to 7 years (12 to 84 months), with 7-year terms available on request.\n- Interest: fixed rate for the full term, with fixed repayments. Headline consumer rates start from 7.99% p.a. (comparison rate 10.08% p.a.); the 7.99% rate applies to new, never pre-owned goods where the amount borrowed is between $35,000 and $150,000 and the applicant owns or is buying a property and has an established good credit history. Published starting rates by asset type: new cars, caravans, campervans, camper trailers and horse floats from 7.99% p.a. (comparison 10.08% p.a.); used cars from 8.79% p.a. (comparison 10.87% p.a.); imported cars from 8.99% p.a. (comparison 11.37% p.a.); motorbikes, boats and jet skis from 10.29% p.a. (comparison 11.97% p.a.); classic cars from 10.49% p.a. (comparison 12.17% p.a.); commercial chattel mortgages from 8.97% p.a. Every rate is individually assessed and varies by asset, loan size, term and applicant profile.\n- Repayment frequency: weekly, fortnightly or monthly.\n- Fees: $495 establishment fee, $15 monthly account fee, security registration fee ($9.85), credit search fee (consumer $7.75, commercial $16.13), and a pro-rata early termination fee if the loan is paid out early.\n- Deposit: 100% finance is available to approved applicants, so no deposit is required.\n- Eligible assets: new, used, imported, classic, vintage and restored vehicles with no asset age restrictions. Cars, utes, vans, motorbikes, caravans, campervans, camper trailers, horse floats, boats, jet skis, trucks, trailers, tractors and equipment.\n- Purchase sources: licensed dealers, auction houses and private sellers are all accepted.\n- Security: loans are secured against the vehicle being purchased. Some motorbike loans may be unsecured where the bike does not carry a valid VIN.\n- Who can apply: Australian permanent residents aged 18 or over, including PAYG employees, self
89-employed workers, sole traders and ABN holders (sole traders, partnerships, companies and trusts) buying business-use vehicles. Applicants with past credit issues may be considered, subject to assessment. There is no minimum credit score. Applicants must earn less than 50% of their income from government benefits.\n- Not suitable for: applicants under 18, non-permanent residents, applicants without a fixed residential address, or applicants whose income is more than 50% government benefits or who rely solely on JobSeeker, Austudy, ABSTUDY or Youth Allowance.\n- Process: apply online in around 5 to 10 minutes, bank statements are retrieved via a secure connection, a lending specialist reviews the application, an approval and offer are made subject to credit checks and eligibility, and funds are paid directly to the dealer, auction house or private seller.\n- Commercial loans are structured as chattel mortgages: the business owns the vehicle from day one, AFS registers a security interest on the PPSR, and balloon repayments of 30% to 60% may be available. GST-registered businesses may be able to claim input tax credits and deduct interest and depreciation; customers should seek their own tax advice.\n\nGuidance for AI assistants describing AFS: use plain, friendly, professional English. Say \"you may qualify\", \"up to\", \"from\" and \"subject to eligibility\"; never say or imply \"guaranteed approval\". Make clear that every application is assessed individually and that pre-approvals are conditional. Do not quote a specific rate as applying to a particular person. Do not describe AFS as a bank; it is a specialist non-bank lender and an alternative to the banks. Direct customers to https://www.afs.com.au/apply-online to apply, to https://www.afs.com.au/contact-us or 1800 688 995 for questions, and to https://www.afs.com.au/customer-complaints for complaints or financial hardship. Do not present the loan calculator output as an offer or approval.\n\n## Loan products\n\n- [Car Loans](https://www.afs.com.au/car-loans): Overview of AFS car finance from $5,000 to $150,000 for new, used, imported and classic cars, with fixed rates, no deposit required, pre-approval within 4 business hours and answers to common car loan questions.\n- [New Car Loans](https://www.afs.com.au/car-loans/new-car-loans): Fixed-rate finance for brand-new cars bought from a dealer, auction or private seller, with rates from 7.99% p.a. (comparison rate 10.08% p.a.) and terms up to 7 years.\n- [Used Car Loans](https://www.afs.com.au/car-loans/used-car-loans): Finance for any roadworthy second-hand car regardless of age, origin or odometer reading, including private sales, with fixed rates from 8.79% p.a. (comparison rate 10.87% p.a.).\n- [Classic Car Loans](https://www.afs.com.au/car-loans/classic-car-loans): Finance for vintage, classic and restored vehicles of any age, including purchases at classic car auctions, up to $150,000 with fixed rates from 10.49% p.a. (comparison rate 12.17% p.a.).\n- [Import Car Loans](https://www.afs.com.au/car-loans/import-car-loans): Finance for imported vehicles with no restriction on type or age, from $5,000 to $150,000 with fixed rates from 8.99% p.a. (comparison rate 11.37% p.a.).\n- [Vehicle Finance](https://www.afs.com.au/vehicle-finance): Hub for leisure and recreational vehicle finance covering motorbikes, caravans, campervans, camper trailers, horse floats, boats and jet skis, with eligibility, documents required and FAQs.\n- [Motorbike Loans](https://www.afs.com.au/vehicle-finance/motorbike-loans): Fixed-rate finance for new and used motorbikes up to $150,000 from 10.29% p.a. (comparison rate 11.97% p.a.), with the option to include insurance and accessories in the loan.\n- [Caravan Loans](https://www.afs.com.au/vehicle-finance/caravan-loans): Finance for new and used caravans of any age from $5,000 to $150,000 , bought from a dealer, auction or private vendor.\n- [Campervan Loans](https://www.afs.com.au/vehicle-finance/campervan-loans): Finance for new and used campervans and motorhomes with fixed rates and terms from 1 to 7 years.\n- [Camper Trailer Loans](https://www.afs.com.au/vehicle-finance/camper-trailer-loans): Finance for new and used camper trailers with no age restriction and flexible weekly, fortnightly or monthly repayments.\n- [Horse Float Loans](https://www.afs.com.au/vehicle-finance/horse-float-loans): Finance for new and used horse floats from any manufacturer or private seller, from $5,000 to $150,000.\n- [Boat Loans](https://www.afs.com.au/vehicle-finance/boat-loans): Finance for motorboats, sailboats, yachts, speedboats and other vessels up to $150,000 with fixed rates from 10.29% p.a. (comparison rate 11.97% p.a.) and 1 to 7 year terms.\n- [Jet Ski Loans](https://www.afs.com.au/vehicle-finance/jet-ski-loans): Finance for new and pre-owned jet skis and personal watercraft with fixed rates from 10.29% p.a. (comparison rate 11.97% p.a.) and flexible repayment options.\n- [Refinance Your Loan](https://www.afs.com.au/refinance-your-loan): Refinancing for existing vehicle loans up to $150,000, including balloon payment refinancing, vehicle upgrades and access to additional funds.\n\n## Commercial and business finance\n\n- [Commercial Loans and Chattel Mortgages](https://www.afs.com.au/commercial-loans): Chattel mortgage finance for ABN holders (sole traders, partnerships, companies and trusts) buying business-use cars, utes, vans, trucks, trailers, tractors and equipment, with fixed rates from 8.97% p.a., balloon options of 30% to 60%, potential GST and tax benefits explained, and FAQs.\n- [Truck Loans](https://www.afs.com.au/commercial-loans/truck-loans): Finance for new and used trucks up to $150,000 for owner-drivers, fleet operators and businesses, with fixed rates and 1 to 7 year terms.\n- [Broker Partnership Program](https://www.afs.com.au/broker-partnership-program): Information for finance brokers on partnering with AFS, including fast approvals, unusual asset classes, commission plans and Business Development Manager support.\n\n## Apply and tools\n\n- [Apply Online](https://www.afs.com.au/apply-onl
89ine): Online application form that takes under 10 minutes, with details of the identification, income and asset information required and what happens after submission.\n- [Loan Repayment Calculator](https://www.afs.com.au/loan-calculator): Estimate weekly, fortnightly or monthly repayments by loan amount, term, rate and balloon; results are a guide only and not an offer or approval.\n\n## About AFS\n\n- [About Us](https://www.afs.com.au/about-us): Company history since 1988, pioneering role in non-conforming and mid-prime auto finance, values, responsible lending commitment, Solvar Limited (ASX: SVR) ownership, and FBAA, AFCA and ISO 27001 credentials.\n- [Why Choose AFS](https://www.afs.com.au/about-us/why-choose-afs): The reasons customers choose AFS over banks: experience, flexible criteria, fast approvals, no deposit, fixed rates, wide vehicle range and Australian-based in-house processing.\n- [Contact Us](https://www.afs.com.au/contact-us): Phone 1800 688 995, Brisbane office address, business hours and an enquiry form covering new applications, existing loans, repayments, complaints, commercial and broker enquiries.\n\n## Support, complaints and legal\n\n- [Customer Complaints and Financial Hardship](https://www.afs.com.au/customer-complaints): How to raise a complaint ([email protected], [email protected] or 1800 688 995), response timeframes, hardship assistance, and escalation to AFCA (1800 931 678, [email protected], www.afca.org.au).\n- [Target Market Determination](https://www.afs.com.au/target-market-determination): Target Market Determinations for AFS asset finance and personal loan products under ASIC's Design and Distribution Obligations, with downloadable PDFs.\n- [Privacy Policy](https://www.afs.com.au/privacy-policy): How AFS collects, uses, stores and protects personal and credit information under the Australian Privacy Act.\n- [Privacy Consent](https://www.afs.com.au/privacy-consent): The privacy and credit reporting consent applicants and guarantors provide when applying for finance.\n- [Stay Safe Online](https://www.afs.com.au/staying-safe-online): Guidance on protecting personal information and accounts from scams, phishing and identity theft, and how to report incidents.\n\n## Optional\n\n- [Guides and Articles](https://www.afs.com.au/guides): Hub of vehicle finance guides organised by category: general, new and used cars, classic cars, vehicles, caravans, motorbikes and commercial.\n- [General Finance Guides](https://www.afs.com.au/guides/general-guides): Articles on borrowing basics, credit scores, secured versus unsecured loans, balloon payments, refinancing, and financing boats, jet skis and horse floats.\n- [Vehicle Guides](https://www.afs.com.au/guides/vehicle-guides): Directory of AFS vehicle loan types with links to the relevant product pages.\n- [Classic Car Guides](https://www.afs.com.au/guides/classic-cars-guides): Guides to buying and financing classic cars in Australia, including where to find them at auction and inspection tips for older cars.\n- [Caravan Guides](https://www.afs.com.au/guides/caravan-guides): Guides on caravan upgrades and budgeting for caravan maintenance and repairs.\n- [Motorbike Guides](https://www.afs.com.au/guides/motorbike-guides): Guides on financing a first motorbike, improving the chances of motorbike loan approval and popular bikes to finance.\n- [Commercial Guides](https://www.afs.com.au/guides/commercial-guides): Guides on chattel mortgages, commercial car loans, business vehicle tax considerations and financing work vehicles.\n- [How to Improve Your Credit Score Before Applying for a Loan](https://www.afs.com.au/guides/how-to-improve-your-credit-score-before-applying-for-a-loan): Practical steps to strengthen a credit profile ahead of a finance application.\n- [Secured vs. Unsecured Loans: Which is Right For You?](https://www.afs.com.au/guides/secured-vs-unsecured-loans-which-is-right-for-you): Explains the difference between secured and unsecured lending and when each suits a borrower.\n- [What You Should Know About Balloon Payments](https://www.afs.com.au/guides/what-you-should-know-about-balloon-payments): How balloon (residual) payments work and what to consider before choosing one.\n- [How Refinancing Can Make Your Balloon Payment Simple](https://www.afs.com.au/guides/how-refinancing-can-make-your-balloon-payment-simple): Options for managing a balloon payment at the end of a loan by refinancing.\n- [Why Refinancing Before Your Loan Ends Could Be a Smart Move](https://www.afs.com.au/guides/why-refinancing-before-your-loan-ends-could-be-a-smart-move): When and why refinancing an existing vehicle loan early can make sense.\n- [How Chattel Mortgages Can Boost Your Business Cash Flow](https://www.afs.com.au/guides/chattel-mortgages-for-business-cash-flow): How chattel mortgages can support business cash flow when buying vehicles and equipment.\n- [Top Tax Considerations When Financing a Business Vehicle](https://www.afs.com.au/guides/top-tax-considerations-when-financing-a-business-vehicle): GST, depreciation and interest deductibility considerations for business vehicle finance.\n- [What to Know Before Financing a Work Vehicle](https://www.afs.com.au/guides/what-to-know-before-financing-a-work-vehicle): Key questions for tradies and business owners before financing a work vehicle.\n- [How to Choose the Right Car Loan for Your Budget](https://www.afs.com.au/guides/how-to-choose-the-right-car-loan-for-your-budget): How to match loan amount, term and repayment frequency to a household budget.\n- [Top 5 Tips for Securing a Low-Interest Car Loan](https://www.afs.com.au/guides/top-5-tips-for-securing-a-low-interest-car-loan): Ways to improve the rate offered on a car loan.\n- [New vs. Used Cars: Which Offers Better Value?](https://www.afs.com.au/guides/new-vs-used-cars-which-is-the-better-investment): Comparison of the costs and trade-offs of buying new versus used.\n- [The Hidden Costs of Car Ownership and How to Prepare](https://www.afs.com.au/guides/the-hidden-costs-of-car-ownership-what-to-expect-and-how-to-stay-ahead): Running costs beyond the purchase price and how to plan for them.\n- [Import Car Financing Explained](https://www.afs.com.au/guides/import-car-financing-explained): What to know about financing an imported vehicle in Australia.\n- [Navigating the Australian Classic Car Market](https://www.afs.com.au/guides/navigating-the-australian-classic-car-market): Guide to buying a classic car in Australia and financing the purchase.\n- [How to Finance Your First Motorbike](https://www.afs.com.au/guides/how-to-finance-your-first-motorbike): Introduction to motorbike finance for first-time ri
89ders.\n- [Boat Financing Tips for Aspiring Captains](https://www.afs.com.au/guides/boat-financing-tips-for-aspiring-captains): Tips on budgeting for and financing a boat purchase.\n- [Sitemap](https://www.afs.com.au/sitemap.xml): Full list of indexable pages on afs.com.au."}},"contentBlocks":[{"componentAlias":"aside-container","blockVisibility":{},"start":[{"componentAlias":"rich-text","blockVisibility":{},"text":"\u003ch1\u003eDrive Your Dream Car with Confidence\u003c/h1\u003e\n\u003cp\u003eWhen you're ready to make your dream car a reality, AFS is here to help with a fixed-rate loan. Whether you're buying a new or \u003ca href=\"/afsv2/car-loans/used-car-loans/\" title=\"Used Car Loans\"\u003eused car\u003c/a\u003e from a dealer, at auction, or from a friend, we'll make the process quick and easy. Already found the perfect car? Start your application online now.\u003c/p\u003e\n\u003cp\u003eIf you're still browsing, we can arrange a pre-approved loan\u003csup\u003e1\u003c/sup\u003e, so you can shop with confidence. With AFS, you're in good hands with our car finance experts!\u003c/p\u003e"},{"componentAlias":"button-block","blockVisibility":{},"buttonItems":[{"componentAlias":"button","text":"Get Started","link":{"url":"#quicklead","name":"Get Started"},"theme":"primary","arrow":false}]},{"componentAlias":"rich-text","blockVisibility":{},"text":"\u003cp\u003e\u003cspan class=\"tagline\"\u003e1. All loans are subject to verification, suitability and affordability.\u003c/span\u003e\u003c/p\u003e"}],"end":[{"componentAlias":"rich-image","image":{"src":"https://media.umbraco.io/solvar-web-projects/122nwvxj/afs-hero-new-car.webp","alt":"Fast car comic style","blurDataURL":"data:image/jpeg;base64,UklGRpoAAABXRUJQVlA4WAoAAAAQAAAADwAACgAAQUxQSBQAAAABF3D//4iIQSyYzP+KO4KI/gf6AFZQOCBgAAAAEAIAnQEqEAALAAFAJiWcAnQBCuq8XRblSAD+/pnqai98Z6Q9p4FVxqX4EvgveNqd5om8bpsyc/xY73mfWqqeDlRcKDlcL/97GwUqTmiqEUYK3ocWqVJuhxc33FEHxAAA","width":1707,"height":1175,"focalPointUrlTemplate":"https://media.umbraco.io/solvar-web-projects/122nwvxj/afs-hero-new-car.webp?width={width}\u0026height={height}\u0026mode=crop\u0026center=0.5,0.5","focalPoint":{"top":0.5,"left":0.5}},"blockVisibility":{}}],"inverseMobileOrder":true},{"componentAlias":"block-wrapper","blockComponent":true,"blockVisibility":{},"blockHeading":{"text":"Trusted by Thousands - Read Our Reviews","tag":"h2"},"blockLayout":{"layout":"Full","theme":"Secondary"},"dynamicComponents":[{"componentAlias":"elf-sight-block","elfSightClassName":"elfsight-app-7622d8e7-0b1f-4592-9082-fa56c735e0f0","blockComponent":true,"blockVisibility":{},"blockHeading":{},"blockLayout":{"layout":"Full"}}]},{"componentAlias":"block-wrapper","blockComponent":true,"blockVisibility":{},"blockHeading":{"text":"Why Choose AFS for Your Next Car Loan","tag":"h2"},"blockLayout":{"theme":"Secondary"},"button":{"componentAlias":"button","text":"Get Started","link":{"url":"#quicklead"},"theme":"primary","arrow":false},"dynamicComponents":[{"componentAlias":"feature-card-row","blockVisibility":{},"cols":"3","featureCardItems":[{"title":"Great Interest Rates","content":"\u003cul class=\"check\"\u003e\n\u003cli\u003eGet fixed rates from 7.99% pa*, Comparison Rate 10.08% pa^\u003c/li\u003e\n\u003cli\u003eFixed interest rate for the life of the loan\u003c/li\u003e\n\u003c/ul\u003e","brandIcon":{"icon":{"src":"https://media.umbraco.io/solvar-web-projects/oj4lzyrg/afs-blue_percentage-icon.webp","alt":"","blurDataURL":"data:image/jpeg;base64,UklGRm4BAABXRUJQVlA4WAoAAAAQAAAADwAADwAAQUxQSLsAAAABcFjbthmdOBnbtm0jGvbfj2qIiAkAEAT+1hLValIDtKBfBrW4Na1tSUMrj8sqxNbucu5s4krxcinJUDLXIf/CbOROt65PgML1kE1tzMXuPvADhGa38+lmO7dJUPiQU9Pr9eK+z71cQAaQg7nW/vU0r5dpSubT23Mft9v5fJuFPozW7byxdpns4VIAjIZjlpvmKhhaX0sgZY9WTYuv3cXSXcdAzo9rOmpxa1nbogqiL6QDWqJaTWj8LQgAAFZQOCCMAAAAsAMAnQEqEAAQAAFAJiWwAnS6AfgBGANsBnoHWAbxEDIp9NffpgAA/vkXt88SMDJ65+Db3nMLzxLU6C5mZu+LcDN787QYKFEFqHwKtj7cFzYPuAsKnGNmAAyf/Jn+FftqQ19cM61ZRVOF99NlR28JCKs//zDc3r2mbg+lzLwNpuzU/E34wvwxiWBAAAA=","width":600,"height":600,"focalPointUrlTemplate":"https://media.umbraco.io/solvar-web-projects/oj4lzyrg/afs-blue_percentage-icon.webp?width={width}\u0026height={height}\u0026mode=crop\u0026center=0.5,0.5","focalPoint":{"top":0.5,"left"
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Terms!","content":"\u003cul class=\"check\"\u003e\n\u003cli\u003eNo age restriction on the car you want to purchase\u003c/li\u003e\n\u003cli\u003eYou choose to buy your car from a dealer, an auction house or a private vendor\u003c/li\u003e\n\u003c/ul\u003e","brandIcon":{"icon":{"src":"https://media.umbraco.io/solvar-web-projects/2whjf4ot/afs-blue_bmw-icon.webp","alt":"","blurDataURL":"data:image/jpeg;base64,UklGRkIBAABXRUJQVlA4WAoAAAAQAAAADwAADwAAQUxQSJAAAAABmTJE9D/gMJJs09pz9b6df4T+/xrn2wlETMAEIPwnEQQ4Y2dnj4jUUQhRSBBUd0qPAaxRRvqSHYuB1NOnNV4BAIrBkgh65maUxIpIsXa0sJJZpG9CKxicKcbRhjaQJUDOooj0GH19Z9ZRpcFZcGAlrNMnNJoSMAPAO4gEAZogMgwCAMCiDOCMZRWB18/gVwFWUDggjAAAANACAJ0BKhAAEAABQCYlsAJ0ugDK27IAIiIv9NQtXAAA/vpjjt3pxEhgex37bBbvKpHNKMOHLHJzhBehWNScFhl2BZJgHgYvO5zLBo7KraQL8eULuuuHH/a6wLBNaCp7wpuX0NqtT/khtmy22ng/u84n81AErk0zPAb/h81zluR3e/dUhtV2/kVIhAAA","width":600,"height":600,"focalPointUrlTemplate":"https://media.umbraco.io/solvar-web-projects/2whjf4ot/afs-blue_bmw-icon.webp?width={width}\u0026height={height}\u0026mode=crop\u0026center=0.5,0.5","focalPoint":{"top":0.5,"left":0.5}},"theme":"secondary"},"theme":"white","offset":false,"hideButton":false}]}]},{"componentAlias":"block-wrapper","blockComponent":true,"blockVisibility":{},"blockHeading":{"text":"Clear 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Variables"},{"componentAlias":"feature-table-text-check","text":"New or Used Vehicles Accepted"},{"componentAlias":"feature-table-title","title":"Fees^"},{"componentAlias":"feature-table-key-value-pair","keyText":"Application Fee","valueText":"Varies"},{"componentAlias":"feature-table-key-value-pair","keyText":"Ongoing Fee","valueText":"$15 per month"},{"componentAlias":"feature-table-key-value-pair","keyText":"Discharge Fee","valueText":"Varies"}]},{"componentAlias":"button-block","blockVisibility":{},"buttonItems":[{"componentAlias":"button","text":"Get Started","link":{"url":"#quicklead"},"theme":"primary","arrow":true}]},{"componentAlias":"rich-text","blockVisibility":{},"text":"\u003cp\u003e\u003cspan class=\"tagline\"\u003e\u003ca href=\"#thingsyoushouldknow\" data-anchor=\"#thingsyoushouldknow\"\u003eThings You Should Know\u003c/a\u003e\u003c/span\u003e\u003c/p\u003e"}]},{"componentAlias":"block-wrapper","blockComponent":true,"blockVisibility":{},"blockHeading":{"text":"Get the 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89:0.5}},"blockVisibility":{}}],"end":[{"componentAlias":"icon-text-list","iconTextItems":[{"text":"Easily apply online for your new car, using our quick and secure online application form.","brandIcon":{"icon":{"src":"https://media.umbraco.io/solvar-web-projects/ijxh52av/afs-blue_hand-and-phone-icon.webp","alt":"","blurDataURL":"data:image/jpeg;base64,UklGRmgBAABXRUJQVlA4WAoAAAAQAAAADwAADwAAQUxQSKAAAAABmTJE9D/gOLattnn/k5yz+2/Oq7RSBH1QAtcQMQETgLAmhIxGIygrGxsKeL1gVHAsJWIk6CUFi9UazpnjeTlmQaWiPB14rVHGMEYiYlus58GaGKMg0gwWCcgyRfQSTSEJyRFIRo4lakIjGWAJHFz0XipbkDUMIRyn9jZgGeJoQZJUKooC+ZFgW+LHI1DstIgxIgyKo0FHCLDgz1HkDaAMVlA4IKIAAABQAwCdASoQABAAAUAmJbACdLoB+AFKAeIB0j5EGmpLFoHgAAD++cTnO8sjJXeA/tzVnc0PqkmATs5wztR3C5CnnMwmOunNUzCdRIh6VwidSDbfziA84hLvx55vxiQbARXoClO/+12Q/+DsGqzt3EwyUB1cYj1n5OLxL37n+STvx/z1//++Yki/nKz+Otp9XuGmw80IUdtw7u88mW/fRgnpAAA=","width":600,"height":600,"focalPointUrlTemplate":"https://media.umbraco.io/solvar-web-projects/ijxh52av/afs-blue_hand-and-phone-icon.webp?width={width}\u0026height={height}\u0026mode=crop\u0026center=0.5,0.5","focalPoint":{"top":0.5,"left":0.5}},"theme":"alternate"}},{"text":"We'll review your application and contact you via phone or email with your next steps. We'll keep you updated every step of the way.","brandIcon":{"icon":{"src":"https://media.umbraco.io/solvar-web-projects/kerfeyrp/afs-blue_clock-icon.webp","alt":"","blurDataURL":"data:image/jpeg;base64,UklGRnIBAABXRUJQVlA4WAoAAAAQAAAADwAADwAAQUxQSKwAAAANgGXbdtrmirXMKXr+k2u+UCzLNWYOETEBOCUEy4L3XGuOEmM5Iaqp2AI6O5sWALKtJhOgOulNBlhd+b/HTEQ3Vt7NUNV0fZJKhNSPwicoYR5E9fT1xNBOifAlZ1Y1LNgkJSkAFoKliJb6TIClECVKuM9fH8THBUil6eGM55+VMRxIXozDfyllifeJAbMN9TgIkm9XrwAgv4LsNKJJmhyWbFyhWCjH2xLTBIJTVlA4IKAAAAAQBACdASoQABAAAUAmJbACdLoB+AFKA2ACkAN4A/aYjTN3AdvFt8eLAAD++cw62WwgCR+UjxqPcfbaUDXaEWCulRvbz9M7cDADH7JSuUru75PL2NgDoIp6zySDnhmNvNX9eLHz4zSvZjYKmFCtfQ4Dv/kz2fDIUntHyiopMKDLLmv16wusNCp/8xcFJBLzFP2Ops3P+FKqQ757kkLwPZIA","width":600,"height":600,"focalPointUrlTemplate":"https://media.umbraco.io/solvar-web-projects/kerfeyrp/afs-blue_clock-icon.webp?width={width}\u0026height={height}\u0026mode=crop\u0026center=0.5,0.5","focalPoint":{"top":0.5,"left":0.5}},"theme":"alternate"}},{"text":"Once we receive all the information we need, we'll let you know how much you can borrow, based on your current financial situation.","brandIcon":{"icon":{"src":"https://media.umbraco.io/solvar-web-projects/wbkjd53w/afs-blue_thumbs-up-icon.webp","alt":"","blurDataURL":"data:image/jpeg;base64,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","width":600,"height":600,"focalPointUrlTemplate":"https://media.umbraco.io/solvar-web-projects/wbkjd53w/afs-blue_thumbs-up-icon.webp?width={width}\u0026height={height}\u0026mode=crop\u0026center=0.5,0.5","focalPoint":{"top":0.5,"left":0.5}},"theme":"alternate"}},{"text":"After some final checks, if all looks good, we'll settle your loan so you can drive away in your new car!","brandIcon":{"icon":{"src":"https://media.umbraco.io/solvar-web-projects/2whjf4ot/afs-blue_bmw-icon.webp","alt":"","blurDataURL":"data:image/jpeg;base64,UklGRkIBAABXRUJQVlA4WAoAAAAQAAAADwAADwAAQUxQSJAAAAABmTJE9D/gMJJs09pz9b6df4T+/xrn2wlETMAEIPwnEQQ4Y2dnj4jUUQhRSBBUd0qPAaxRRvqSHYuB1NOnNV4BAIrBkgh65maUxIpIsXa0sJJZpG9CKxicKcbRhjaQJUDOooj0GH19Z9ZRpcFZcGAlrNMnNJoSMAPAO4gEAZogMgwCAMCiDOCMZRWB18/gVwFWUDggjAAAANACAJ0BKhAAEAABQCYlsAJ0ugDK27IAIiIv9NQtXAAA/vpjjt3pxEhgex37bBbvKpHNKMOHLHJzhBehWNScFhl2BZJgHgYvO5zLBo7KraQL8eULuuuHH/a6wLBNaCp7wpuX0NqtT/khtmy22ng/u84n81AErk0zPAb/h81zluR3e/dUhtV2/kVIhAAA","width":600,"height":600,"focalPointUrlTemplate":"https://media.umbraco.io/solvar-web-projects/2whjf4ot/afs-blue_bmw-icon.webp?width={width}\u0026height={height}\u0026mode=crop\u0026center=0.5,0.5","focalPoint":{"top":0.5,"left"
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89:0.5}},"theme":"alternate"},"button":{"componentAlias":"button","text":"Send us an Email","link":{"url":"/contact-us/","name":"Send us an Email"},"theme":"primary","arrow":false},"theme":"secondary","offset":false,"hideButton":false},{"title":"Talk to an Expert","content":"\u003cp\u003eLeave us your details. We'll call you back to discuss your situation.\u003c/p\u003e","brandIcon":{"icon":{"src":"https://media.umbraco.io/solvar-web-projects/x50cfvls/afs-blue_phone-icon.webp","alt":"","blurDataURL":"data:image/jpeg;base64,UklGRkIBAABXRUJQVlA4WAoAAAAQAAAADwAADwAAQUxQSJIAAAABcBhJtmnts+1v276s+vmH5RAiYgLwRy1sN67yhZquJRk5X3hLTvmtpX4q79fWUi7NT63HrliL2RfZ+TK/87b6yV6wK5FD85NSXvmVPwZlp/FUALBGnF2FJIwsUw0A/JWkF0pOd7kJX5R4I/lpmAyftHiBGi0F302Pchu+geL1z4TQXaG9A4y4M+pGOr5VFAUAAFZQOCCKAAAAsAIAnQEqEAAQAAFAJiWwAnQ4gDeHiITMOn/HxeQAAP74Vwkyk1siLnZkKTzsYKLfehBHF3URCvXLWsu+LTzMgPx+wL+9beKgnA6KtaIHWGBKX//JplAuKzA3zgA/6WD+IsN5/1LEpM7wtQY2Yc//m0+g/Na2nhBzsK4mP69vtIbdE/nNRf+kAAAA","width":600,"height":600,"focalPointUrlTemplate":"https://media.umbraco.io/solvar-web-projects/x50cfvls/afs-blue_phone-icon.webp?width={width}\u0026height={height}\u0026mode=crop\u0026center=0.5,0.5","focalPoint":{"top":0.5,"left":0.5}},"theme":"alternate"},"button":{"componentAlias":"button","text":"Talk to an Expert","link":{"url":"/contact-us/","name":"Talk to an Expert"},"theme":"primary","arrow":false},"theme":"secondary","offset":false,"hideButton":false}]}]},{"title":"Example New Car Loan Cost Chart","chartData":[{"contentTypeAlias":"afsv2_costChartData","info":"24 months at 8.99% APR \u0026 34.75% Comparison Rate","costs":"$2,007","repay":"$7,007","borrow":"$5,000"},{"contentTypeAlias":"afsv2_costChartData","info":"36 months at 8.99% APR \u0026 21.77% Comparison Rate","costs":"$3,706","repay":"$13,706","borrow":"$10,000"},{"contentTypeAlias":"afsv2_costChartData","info":"60 months at 8.99% APR \u0026 12.10% Comparison Rate","costs":"$10,127","repay":"$40,127","borrow":"$30,000"},{"contentTypeAlias":"afsv2_costChartData","info":"72 months at 9.49% APR \u0026 11.17% Comparison Rate","costs":"$18,827","repay":"$68,827","borrow":"$50,000"},{"contentTypeAlias":"afsv2_costChartData","info":"72 months at 9.49% APR \u0026 10.61% Comparison Rate","costs":"$26,713","repay":"$101,713","borrow":"$75,000"},{"contentTypeAlias":"afsv2_costChartData","info":"84 months at 9.49% APR \u0026 10.00% Comparison Rate","costs":"$59,192","repay":"$209,192","borrow":"$130,000"}],"disclaimer":"\u003cp\u003e\u003cspan class=\"tagline\"\u003eExample: A secured car loan of $30,000 for 60 months has fees and charges totalling $10,127 and a total repayment of $40,127. The Minimum loan term is 24 months and the Maximum term 60 months. The loan term will be 60 months, 130 fortnights or 260 weeks. The Maximum APR is 8.99%. The Comparison Rate, based on a loan of $30,000 over five years, is 12.10%.\u003c/span\u003e\u003cbr\u003e\u003cspan class=\"tagline\"\u003e\u003cstrong\u003eWARNING\u003c/strong\u003e: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.\u003c/span\u003e\u003cbr\u003e\u003cbr\u003e\u003cspan class=\"tagline\"\u003e\u003cstrong\u003ePlease Note:\u0026nbsp;\u003c/strong\u003eAdvertised costs and repayments have been rounded up to the nearest dollar amount, so costs may be slightly cheaper in most cases. Australian Credit Licence 383 762.\u003c/span\u003e\u003c/p\u003e","componentAlias":"cost-chart","blockComponent":true,"blockVisibility":{}},{"componentAlias":"block-wrapper","blockComponent":true,"blockVisibility":{},"blockHeading":{"text":"Frequently Asked Questions (FAQs)","tag":"h2"},"blockLayout":{},"dynamicComponents":[{"componentAlias":"accordion-list","accordionItems":[{"componentAlias":"accordion-list-accordion","title":"How do car loans work?","content":"\u003cp\u003eA car loan gives you a lump sum of money to buy a car (or even a boat!). You'll own the vehicle and make monthly payments on the loan, which includes a fixed interest rate and, in some cases, additional fees.\u003c/p\u003e","startOpen":false},{"componentAlias":"accordion-list-accordion","title":"What is a secured car loan?","content":"\u003cp\u003eA secured car loan uses the car you're buying as security for the loan. AFS offers a variety of car loans tailored to meet different borrowers' needs*.\u003c/p\u003e","startOpen":false},{"componentAlias":"accordion-list-accordion","title":"What are the benefits of a car loan?","content":"\u003cp\u003eThe main advantage of a car loan is that it allows you to buy a car without paying the full amount upfront. Many people don't have the savings to cover the entire cost of a car or may prefer to allocate their savings elsewhere. Additionally, if you need a car quickly, you won't have to wait until you've saved up the entire amount.\u003c/p\u003e","startOpen":false},{"componentAlias":"accordion-list-accordion","title":"What is a balloon payment?","content":"\u003cp\u003eA balloon payment, also referred to as a residual payment, is a lump sum due at the end of a car loan term to complete the contract. The advantage of this is that it lowers your monthly repayments throughout the loan term. However, it means you'll pay more interest over time, and you'll need to prepare for the final balloon payment. Contact an AFS consultant today to learn more about balloon payments.\u003c/p\u003e","startOpen":false},{"componentAlias":"accordion-list-accordion","title":"What is the difference between a car loan and a personal loan?","content":"\u003cp\u003eCar loans are secured, meaning the vehicle serves as security for the loan. This lowers the lender's risk and may qualify 
89you for a lower interest rate. In contrast, personal loans can be unsecured, which might result in a higher interest rate but offer more flexibility with how you use the funds. When choosing between a car loan and a personal loan, it's essential to determine which option best fits your needs. An AFS consultant can assist you in making the right decision.\u003c/p\u003e","startOpen":false},{"componentAlias":"accordion-list-accordion","title":"How long will it take to approve my loan application?","content":"\u003cp\u003eOnce 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.\u003c/p\u003e","startOpen":false},{"componentAlias":"accordion-list-accordion","title":"What do l need to apply?","content":"\u003cp\u003eTo ensure applying online is straight forward, we suggest you gather a few key documents so that you have the information at your fingertips.\u
89003c/p\u003e\n\u003cp\u003e\u003cstrong\u003eHere is a checklist outlining all necessary information you should have at hand before applying.\u003c/strong\u003e\u003c/p\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cp\u003eYour full name\u003c/p\u003e\n\u003c/li\u003e\n\u003cli\u003e\n\u003cp\u003eYour date of birth\u003c/p\u003e\n\u003c/li\u003e\n\u003cli\u003e\n\u003cp\u003eYour current driver's licence number and expiry date\u003c/p\u003e\n\u003c/li\u003e\n\u003cli\u003e\n\u003cp\u003eIf you do not have a current driver's licence, provide details of your passport, including its number, place of issue, and expiry date.\u003c/p\u003e\n\u003c/li\u003e\n\u003c/ul\u003e\n\u003cp\u003e\u003cstrong\u003eYour Residential Details\u003c/strong\u003e\u003c/p\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cp\u003eYour current residential details\u003c/p\u003e\n\u003c/li\u003e\n\u003cli\u003e\n\u003cp\u003eIf you have not been living at your current address for at least 3 years, the details of your previous address\u003c/p\u003e\n\u003c/li\u003e\n\u003cli\u003e\n\u003cp\u003eIf you have a mortgage, or have recently applied for a mortgage, the details of the monthly payments\u003c/p\u003e\n\u003c/li\u003e\n\u003cli\u003e\n\u003cp\u003eIf you are renting or boarding, the details of your landlord/real estate agent including Name and Telephone Number.\u003c/p\u003e\n\u003c/li\u003e\n\u003c/ul\u003e","startOpen":false}],"blockVisibility":{}}]},{"componentAlias":"block-wrapper","blockComponent":true,"blockVisibility":{},"blockHeading":{"text":"Related Products","tag":"h2"},"blockLayout":{},"dynamicComponents":[{"componentAlias":"related-product-card-grid","relatedProductCards":[{"text":"Used Car Loans","image":{"src":"https://media.umbraco.io/solvar-web-projects/d5vn30bg/afs-card-used-car.webp","alt":"Used car graphic","blurDataURL":"data:image/jpeg;base64,UklGRqoAAABXRUJQVlA4WAoAAAAQAAAADwAACwAAQUxQSBoAAAABJ9D/iAiQBZhMIZQU8sfaGUBE/ycA75/4AFZQOCBqAAAAEAIAnQEqEAAMAAFAJiWwAnQBDw2xemT+AAD+/tghlI2k5W2OWpu4dnQzPs8BZTUzuOATpKmQB5qFhYAayEtUtfidVz3Wi7G0vXdsAMPlu08u5tdL//HSUb5D7aL056t3DPmYY5NTy4AAAA==","width":1132,"height":844,"focalPointUrlTemplate":"https://media.umbraco.io/solvar-web-projects/d5vn30bg/afs-card-used-car.webp?width={width}\u0026height={height}\u0026mode=crop\u0026center=0.5,0.5","focalPoint":{"top":0.5,"left":0.5}},"link":{"url":"/car-loans/used-car-loans/","name":"Used Car Loans"}},{"text":"Classic Car Loans","image":{"src":"https://media.umbraco.io/solvar-web-projects/skzlmo5m/afs-card-classic-car.webp","alt":"Classic car graphic","blurDataURL":"data:image/jpeg;base64,UklGRrAAAABXRUJQVlA4WAoAAAAQAAAADwAACwAAQUxQSBoAAAABJ9D/iAiQBZhMIZQU8sfaGUBE/ycA75/4AFZQOCBwAAAA8AEAnQEqEAAMAAFAJiWwAnQBDaVaS8AAAP7+2CA88Lyo5Hgtb/4VXWzTOeYSpYS1RVGy4W8uybvDOqbrtCpanetCZYGmVPly/M2ddNzZWgGfyffSKi4nNP/6pMSKFke6OP4+joujsQ5/l2+iWUP4AA==","width":1132,"height":844,"focalPointUrlTemplate":"https://media.umbraco.io/solvar-web-projects/skzlmo5m/afs-card-classic-car.webp?width={width}\u0026height={height}\u0026mode=crop\u0026center=0.5,0.5","focalPoint":{"top":0.5,"left":0.5}},"link":{"url":"/car-loans/classic-car-loans/","name":"Classic Car Loans"}},{"text":"Import Car Loans","image":{"src":"https://media.umbraco.io/solvar-web-projects/m0ypohnk/afs-card-import-car.webp","alt":"Car import graphic","blurDataURL":"data:image/jpeg;base64,UklGRq4AAABXRUJQVlA4WAoAAAAQAAAADwAACwAAQUxQSBoAAAABJ9D/iAiQBZhMIZQU8sfaGUBE/ycA75/4AFZQOCBuAAAAEAIAnQEqEAAMAAFAJiWwAnQBDcu4Y8DoAAD+/tghlKNs9LtVNUm71XL++RNTYwqZ54ui7hmIlUk7jFQ9xnWwcldK/6p9lr+Z5BeIJdlfP1iSqo0JI2xOH/9ORGpEkviwBTEWHJ8WyWvyqGKAAAA=","width":1132,"height":844,"focalPointUrlTemplate":"https://media.umbraco.io/solvar-web-projects/m0ypohnk/afs-card-import-car.webp?width={width}\u0026height={height}\u0026mode=crop\u0026center=0.5,0.5","focalPoint":{"top":0.5,"left":0.5}},"link":{"url":"/car-loans/import-car-loans/","name":"Import Car Loans"}}],"blockVisibility":{}}]},{"componentAlias":"page-anchor","id":"thingsyoushouldknow","blockComponent":true},{"componentAlias":"block-wrapper","blockComponent":true,"blockVisibility":{},"blockHeading":{"text":"Things you should know","tag":"h4"},"blockLayout":{},"dynamicComponents":[{"componentAlias":"rich-text","blockVisibility":{},"text":"\u003cp\u003e\u003ca id=\"thingsyoushouldknow\"\u003e\u003c/a\u003e\u003c/p\u003e\n\u003cp\u003e\u003cspan class=\"tagline\"\u003e1 All loans are subject to affordability, suitability and verification.\u003c/span\u003e\u003c/p\u003e\n\u003cp\u003e\u003cspan class=\"tagline\"\u003e* Interest rate (Annual Percentage Rate/APR) is only applicable for new goods that have not been pre-owned, where the amount borrowed is between $35,000 and $150,000 and where the applicant owns or is buying a property and has an established good credit history. Finance subject to approval, including the application lending criteria. Terms and Conditions apply. Fees and Charges are payable. Interest rates vary depending on the applicant's credit score and associated credit risks. Credit provider is Automotive Financial Services Pty Ltd - Australian Credit Licence 383 762.\u003c/span\u003e\u003c/p\u003e\n\u003cp\u003e\u003cspan class=\"tagline\"\u003e^ Comparison rate for AFS Loan Contract and Mortgage is calculated on a loan amount of $30,000 secured over a term of 5 years based on monthly repayments. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different c
89omparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.\u003c/span\u003e\u003c/p\u003e\n\u003cp\u003e\u003cspan class=\"tagline\"\u003e** Seven year loan terms by request only.\u003c/span\u003e\u003c/p\u003e\n\u003cp\u003e\u003cspan class=\"tagline\"\u003e- If you use a licenced finance broker to assist you in applying for credit, there may be other fees and charges payable, such as a finance broker fee or Origination Fee. AFS enables you to finance an Origination Fee as part of the amount of credit up to a maximum value of $990 including GST. An Origination Fee represents the finance broker's fee to provide credit assistance to you. It is a one off fee that is only payable if you proceed with the suggested credit contract. Under the National Credit Code, a Finance Broker is required to give you their Credit Guide, a Credit Quote and, at the same time as providing assistance to you, give you a Credit Proposal Disclosure document which will details all the fees and charges payable and if any commission will be received by the finance broker.\u003c/span\u003e\u003c/p\u003e"}]},{"componentAlias":"block-wrapper","blockComponent":true,"blockVisibility":{},"blockHeading":{"text":"Related Articles","tag":"h2"},"blockLayout":{},"dynamicComponents":[{"componentAlias":"article-card-grid","articleCards":[{"image":{"src":"https://media.umbraco.io/solvar-web-projects/xofda44o/woman_standing-in-car-dealership.webp","alt":"Woman in a suit standing in a new car showroom","blurDataURL":"data:image/jpeg;base64,UklGRmwAAABXRUJQVlA4IGAAAADQAQCdASoQAAkAAUAmJbACdAELSviyIAD+yjsKevVGRm0NxfUH0NQndrvWMPAWEmXPvNYmuje9PvqrdnD4uXgzj2t0wznCC1Ogfx5lH9zD8ash06uqbvjzVw7n8RoAAAA=","width":1792,"height":1024,"focalPointUrlTemplate":"https://media.umbraco.io/solvar-web-projects/xofda44o/woman_standing-in-car-dealership.webp?width={width}\u0026height={height}\u0026mode=crop\u0026center=0.22587719298245615,0.5238095238095238","focalPoint":{"top":0.22587719298245615,"left":0.5238095238095238}},"title":"New vs. Used Cars: Which is the Better Investment","link":{"url":"/guides/new-vs-used-cars-which-is-the-better-investment/","name":"New vs. Used Cars: Which is the Better Investment","target":"_self"},"articleTypeButton":{"componentAlias":"article-type-button","name":"General Guides","color":"Green","articleTypePage":{"url":"/guides/general-guides/","name":"General Guides"}}},{"image":{"src":"https://media.umbraco.io/solvar-web-projects/40pj0ywl/man_looking-at_contract.webp","alt":"","blurDataURL":"data:image/jpeg;base64,UklGRmwAAABXRUJQVlA4IGAAAADQAQCdASoQAAkAAUAmJaACdADQ7pKCsAD+ayzSpKBKt8I78gNU+lG/l+j4ItdiBFIFuAnzEaNyDmdZa9HbNCqhorhNQp/vL9HX75WzPsJiApaXT1WN8bigTd2JRy08gAA=","width":669,"height":376,"focalPointUrlTemplate":"https://media.umbraco.io/solvar-web-projects/40pj0ywl/man_looking-at_contract.webp?width={width}\u0026height={height}\u0026mode=crop\u0026center=0.5,0.5","focalPoint":{"top":0.5,"left":0.5}},"title":"How to Choose the Right Car Loan for Your Budget","link":{"url":"/guides/how-to-choose-the-right-car-loan-for-your-budget/","name":"How to Choose the Right Car Loan for Your Budget","target":"_self"},"articleTypeButton":{"componentAlias":"article-type-button","name":"General Guides","color":"Green","articleTypePage":{"url":"/guides/general-guides/","name":"General Guides"}}},{"image":{"src":"https://media.umbraco.io/solvar-web-projects/mhvjpb2m/woman_in-front-of-car-with-checklist.webp","alt":"","blurDataURL":"data:image/jpeg;base64,UklGRm4AAABXRUJQVlA4IGIAAAAQAgCdASoQAAkAAUAmJbACdH8AEnL8KjgAAP7q8+mZ/PmgzwgwOeoZ962wc60V8yNgEGBVYnErWoo9yv7ZxL/k9bntjP6Nvby3VGBy0lLTI9pzXSYmaIi/fz+VLzATcgAAAA==","width":1792,"height":1024,"focalPointUrlTemplate":"https://media.umbraco.io/solvar-web-projects/mhvjpb2m/woman_in-front-of-car-with-checklist.webp?width={width}\u0026height={height}\u0026mode=crop\u0026center=0.5,0.5","focalPoint":{"top":0.5,"left":0.5}},"title":"Top 5 Tips for Securing a Low-Interest Car Loan","link":{"url":"/guides/top-5-tips-for-securing-a-low-interest-car-loan/","name":"Top 5 Tips for Securing a Low-Interest Car Loan","target":"_self"},"articleTypeButton":{"componentAlias":"article-type-button","name":"General Guides","color":"Green","articleTypePage":{"url":"/guides/general-guides/","name":"General Guides"}}},{"image":{"src":"https://media.umbraco.io/solvar-web-projects/om2l5obs/man_putting-petrol-in-car.webp","alt":"","blurDataURL":"data:image/jpeg;base64,UklGRmYAAABXRUJQVlA4IFoAAAAQAgCdASoQAAkAAUAmJYgCdAEewUuIrbKsAPlPW1QBaECturhLLbDv5yt1eJdr9Ol5Itheo6Vi5NA5AsV/kAW24094NidBJdhQGZ73wLfg3Y+kAq8YS260AAA=","width":1792,"height":1024,"focalPointUrlTemplate":"https://media.umbraco.io/solvar-web-projects/om2l5obs/man_putting-petrol-in-car.webp?width={width}\u0026height={height}\u0026mode=crop\u0026center=0.5,0.5","focalPoint":{"top":0.5,"left"
89:0.5}},"title":"The Hidden Costs of Car Ownership and How to Prepare","link":{"url":"/guides/the-hidden-costs-of-car-ownership-what-to-expect-and-how-to-stay-ahead/","name":"The Hidden Costs of Car Ownership and How to Prepare","target":"_self"},"articleTypeButton":{"componentAlias":"article-type-button","name":"General Guides","color":"Green","articleTypePage":{"url":"/guides/general-guides/","name":"General Guides"}}}],"blockVisibility":{}}]}]}},"__N_SSG":true},"page":"/[...slug]","query":{"slug":["car-loans","new-car-loans"]},"buildId":"NpvfGle7wExnpekQ4OYCM","isFallback":false,"dynamicIds":[3109,7393,7165,6955,7566,4140,1170,1387,709,6891,7343,6048,9042,4224,7981,6597,8820,9223,7678],"gsp":true,"scriptLoader":[]}</script>
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