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Australia’s Fastest Growing & Most Trusted
Car Finance Company
Interest rates from
Industry Experience
35 Years
Free Car Delivery Australia Wide
Same Day Approvals

About Us

With over 35 years of industry experience and over 50 lending partners, Affordable Funding is the affordable choice when it comes to your financial needs.

Operating nationwide, with representatives in all states, our Credit Experts and team of Finance Brokers have helped thousands of customers achieve their financial goals. Affordable Funding prides itself on being a one-stop-shop for all finance, insurance and warranty products.

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Access to Over 50 Lending Partners

Our Specialist Lending Team has access to every finance product available, including Secured Car Loans, Commercial Asset Loans, Unsecured Personal Loans, Home Loans, Chattel Mortgages, Novated Leases, No-Deposit Loans, Bad-Credit Loans, Pensioner Loans, Cashflow Management, Short Term Business Loans, Overdrafts, Rent-To-Buy, Lease-backs, and Refinances.

Affordable Funding has access to all Car Finance Products, so no matter your situation, we will have a solution for you. Full range of insurance and warranty products easily incorporated into your loan to supplement your car purchase. We will be there for you throughout the entire duration of your loan, helping with pay-outs, trade-ins and any other queries you may have.
  • Competitive interest rates as low as 4.99%, flexible loan terms from 12-84 months and no age restriction on vehicles
  • Easy online application, quick turn-around time for an approval, you can be in your car within as little as 24 hours
  • No deposit required for Personal Car Finance, no up-front costs at all and no hidden fees or charges
  • Exclusive access to the cheapest cars on the market. Don’t just fund your car with Affordable Funding, allow us to locate the right car for you too!
  • All types of income are acceptable, including PAYG, pension, or self-employed
  • Can accommodate current outstanding defaults
  • Can provide reasonable rates for clients with paid defaults
  • Products available for discharged bankrupts
  • Can accommodate current court actions on credit file
  • Can overlook payday lender enquiries
  • No issues with new credit files
  • Both personal and commercial options for bad credit clients
  • Consolidations available to reduce the chance for future adverse
  • Refinances are available to minimise costly current finance products
  • No credit score is too low!
  • All pension income considered.
  • Is your pension your only source of income? No problems, products available.
  • Both asset finance, and unsecured personal loans available, including leisure.
  • Straight forward, easy approval process.

Whether you are after a new work ute for your new apprentice, a new truck for your new contract, capital for equipment or some cash to float your new business, Affordable Funding is your solution with access to over 30 Commercial Lending partners. We are the most competitive in the industry for commercial interest rates and have access to a multitude of commercial products including; Chattel Mortgages, Hire Purchases, Novated Leases, Refinances, No Doc Loans, Rent to Buy’s, as well as Secured and Unsecured Business Loans.

If your business has been declined for finance by the major banks, do not worry, Affordable Funding is aligned with private funders who are flexible and understand the complexities of business growth. This allows you to not worry about cash flow and focus on what is important. With finance options for all assets including but not limited to passenger and light commercial vehicles, trucks, trailers, construction equipment and fitouts, you can be assured that Affordable Funding is right for you and your business

  • No doc / low doc options
  • Both, deposit and no deposit options
  • Rates as low as 4.99%
  • Fast approvals and quick settlements
  • Commercial no-doc refinances available
  • No need for accountant intervention
  • Minimal supporting documentation required
  • Sole traders, trusts, partnerships, and company’s all accommodated
  • All asset types (i.e. cars, light commercial, heavy commercial, construction equipment, fitouts, and unsecured cash loans)
  • Flexible loan terms
  • No upfront costs (i.e. fees included in loan, including GST and Stamp Duty)
Competitive rates as low as 4.99%
Start-to-finish process in as little as 24 hours
Get the best deal on the market, guaranteed!
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Car Search - We’ll help you find the car you’re looking for!
With our extensive Vehicle Search Department, we will even help you purchase the right car too!
Our trusted panel of Funders are flexible on loan terms and will cater to suit your needs, and our No-Obligation Policy means you can customise your options and make sure they are right for you prior to committing! Affordable Funding is the helping hand you need when it comes your Car Finance needs and will be there to guide you every step of the way.
Vehicle Search
Yes, we can help with this model!
Fund it now
Affordable Funding is partnered with Dealerships and Wholesalers all across Australia, meaning that the pressure to find your perfect vehicle has been lifted off your shoulders. With wholesale prices and Free Delivery nationwide, you can be sure that Affordable Funding will provide not only the best deal on finance, but the most Affordable choices on your new vehicle.
It has never been easier to fund your next vehicle.
With Low Interest Rates and Fast Approvals, Affordable Funding is the right choice!
All vehicles sourced through Affordable Funding will be provided with a complimentary 12 month warranty, valued at over $1200.
Being aligned with Australia’s most prestigious suppliers which are accredited with all major banks and lenders, Affordable Funding will accommodate all trade-in vehicles of any value and provide competitive pricing that you will be sure to appreciate.
If that is not enough, any vehicle purchased through Affordable Funding will be given access to the lowest possible premiums on all of our Insurance Products.
FAQs - Frequently Asked Questions
Affordable Funding has access to interest rates as low as 4.95% over a wide range of finance products across many banks and lenders. The rate will vary depending on each individual client’s profile, as well as the lender in which they are approved.
From the moment we take an application we can have an approval generated within the hour and the complete process finalized within 24 hours.
Whether you have bad credit, are on a pension, or have previous bankruptcies, if there is an option available Affordable Funding is confident that we can provide all customers with a finance product that will suit their individual needs.
There are a variety of different products that can be added into your loan including, but not limited to, all insurance and warranty products, negative equity, registration costs, banking fees, and after-market upgrades. Feel free to let your Affordable Funding representative know and they will be sure to include it into the loan
Got more questions?
We’re ready to help you finance your next vehicle.
Campbelltown NSW

What a great experience! Very quick and easy. They made the process so simple and delivered in great time

Bankstown NSW

After being declined from a car dealer’s finance team, I thought I could never get the car I wanted. But since speaking to the guys at Affordable Funding, they were able to sort everything out for me. They listened to my situation, let me know that I do have options and even helped me find the car. Great service, knowledgeable staff. Highly recommended!

Athol Park SA

Not only did I get a low-doc loan which I was looking for but using their supplier, I also found the Van I was looking for, as well as getting my insurance and warranty added into the loan. It’s a one stop shop, definitely going to use Affordable Funding for any future finance I need.

ABN 55 618 511 158
Australian Credit Licence 517685
With such diverse product range and a comprehensive list of lending partners, you can be sure that Affordable Funding is right the choice for you.
Insurance and warranty products available
Save $1,000’s in Interest
Financial Information
*Minimum Finance Amount $5,000