Australia’s highest-rated finance brokers on Google
With fast approvals in just 1 hour, low rates tailored to your budget, and expert brokers guiding you every step of the way, we make getting on the road easier than ever. Explore your options today and take the first step toward hassle-free car ownership.
Submitting your enquiry with us will not impact your credit score
When it comes to car loans, the right choice can make all the difference. Here are the 6 key factors to consider, each designed to give you the best possible deal.
Secure a competitive rate that keeps your monthly payments manageable.
Tailor your loan duration to suit your budget and repayment capacity.
Flexible repayment options to fit your lifestyle and financial goals.
We match you with lenders who consider your unique credit history, protecting your score.
Work with reputable lenders, giving you peace of mind and transparency.
Transparent, low fees to help you avoid hidden costs and maximise savings.
Secure a competitive rate that keeps your monthly payments manageable.
Tailor your loan duration to suit your budget and repayment capacity.
Flexible repayment options to fit your lifestyle and financial goals.
We match you with lenders who consider your unique credit history, protecting your score.
Work with reputable lenders, giving you peace of mind and transparency.
Transparent, low fees to help you avoid hidden costs and maximise savings.
Whether you’re buying your first car, upgrading to a family vehicle, or treating yourself to a luxury car, our tailored car loans offer competitive rates and flexible terms. With fast approvals, fixed interest rates, and manageable monthly repayments, we make financing your dream car straightforward and stress-free.
Australia’s highest-rated finance brokers on Google
No biggie, but we’ve got the highest 5-star Google ranking in lending*
Tony was far from being helpful! He was amazing!! Tony not only helped me get a family car he helped us more than that and exceeded our expectations. More than what I asked for. Thank you Tony for helping us through an easy process. Made me comfortable and made everything clear and to my budget. Highly recommended!! So please take this review and get on to Tony as he will help you all the way. Bless you Tony from my family to yours
Thank you for helping my family out. Tony went above and beyond to secure funds for our car. Definitely 110% service and highly recommend this business. Keep up the great work. 👍
A huge Thank you to Gus for helping me get finance for my new car. Fantastic service and support, making the process smooth and stress-free. I am truly Grateful for the assistance in securing the funds for my new wheels! I would definitely recommend you to all and will be back when I need finance again.
I didn't think I'd get finance to buy a car. Ezra was amazing. He kept me informed of the progress throughout the process. He was professional and courteous & worked hard to get me the best outcome that suited my budget.
I'm ever so grateful that as of today, After being denied by few landers because of my working visa finally i got in touch with them. Thank you so much to Ezra for this opportunity. Will definitely recommend him to family and friends.
Tony, I can’t thank enough for all the help and assistance you provided me along with all the understanding you afforded me whilst assisting me in acquiring my vehicle.
Throughout the whole process Tony was so professional, confident, courteous, compassionate and committed to getting the best outcome possible for finance enquiry.
I would recommend Tony and Affordable Funding to everyone and anyone who requires funding for anything from a car to a home loan.
Thanks again Tony, I can’t thank you enough!!
Affordable funding are the best in the biz.
Having been to 4 brokers prior which were of no help due to being 5 months new to AU, Josh and Jay worked my profile to the end, managing 3 finance approvals for different options to suit multiple types of purchase.
They dug deep and were very personalized, ensuring there was a successful outcome.
Josh and Jay were extremely efficient in communication and the overall process, which made it easier, although, knowing my deal wasnt an easy one.
I would highly recommend Affordable Funding to any family, friend, colleague, considering I've had a good history of personal and business lending overseas, Affordable Funding has been the best in my experience, by FAR!
HUGE THANKS AGAIN, Love your guys work, and I will be a loyal client for anything in future.
10 Stars from me!
couldn’t recommend Gus more! he was extremely helpful, helped me understand everything i was unsure about, answered every call and was patient with me. Gus helped me get my dream car 🤩😊 will definitely be contacting him for future finance needs and will recommend him 100%!!
I didn't think I'd get finance to buy a car. Tony F was amazing. He got the ball rolling & kept me informed of the progress throughout the process. He was professional and courteous & worked hard to get me the best outcome that suited my budget.
I'm ever so grateful that as of today, I am the proud owner of this beauty. Thankyou so much to Tony for this opportunity. Will definitely recommend him to family and friends.
We’ll give you the best loan options to compare and choose from.
Car loans are a financial tool; like any tool, they can be helpful when used responsibly. They’re not a one-size-fits-all solution and have their pros and cons. Here’s a breakdown of the pros and cons:
Pros:
It makes a new car affordable
Builds credit history
Variety of loan options
Cons:
Interest adds to the overall cost
Increases debt burden
Cars depreciate (lose value) over time
With Affordable Funding, we’re committed to your financial well-being and security. We’ll help you find a car loan that fits your budget and minimises the downsides while being transparent about the process.
At Affordable Funding, we understand that car loan needs vary. We offer a variety of loan options to suit your situation, including:
Personal Car Loans: Finance the purchase of your new or used personal vehicle.
ABN/Business Vehicle Loans: Get the wheels turning for your business with a loan for your commercial vehicle.
Unsecured/Secured Car Loans: You can choose an unsecured loan without using your car as security (subject to approval) or a secured loan with a potentially lower interest rate.
Electric Car Loans: Drive into the future with financing for your eco-friendly electric vehicle.
Car Refinance: Streamline your finances by refinancing your existing car loan with a potentially lower rate or better terms.
Novated Lease: Explore salary packaging options to save on car lease payments and tax potentially.
You can get fixed and variable-rate car loans from various lenders offering different loan terms and interest rates. If you’re deciding between these two options, you’ll need to consider how each loan type charges interest. A fixed interest rate won’t change over the loan term, so you have the peace of mind of knowing your monthly repayments for the whole loan term. Meanwhile, variable-rate car loans can have fluctuating interest rates that may cause the repayments to change over the loan term. Consider if your budget allows that fluctuation or if you’d feel more comfortable with a fixed rate.
Yes, you can refinance a car loan. Refinancing involves replacing your existing loan with a new one that offers a lower or more competitive interest rate, better loan terms or other loan differences. Refinancing can save you money on interest charges over the loan term but may also require you to pay application or discharge fees. Remember to weigh the potential benefits against the costs.
There is no way to say that one bank or loan is the ‘best’ loan for any individual since we all have different financial circumstances and needs. Finding the best car loan is about finding the best car loan for you and your circumstances.
To help you find the right car loan, you should look at:
Interest rate: This significantly impacts the total loan cost.
Loan terms: Consider the repayment period and any associated fees.
Eligibility requirements: Ensure you meet the loan’s credit score and income requirements.
Affordable Funding has a considerable network and long-term relationships with some of Australia’s best car finance lenders. We’re here to help credit-conscious Australians find a car loan that suits their needs. Contact us to discuss your loan needs, or use our quick quote tool to get a personalised estimate.
Car loans are typically secured loans, which means the lender holds the car title until you repay the loan in full. The lender holding the title means that they have legal ownership of the car and can repossess it if you fail to repay it on time.
Once you’ve completed all your loan repayments, the lender will transfer the title to your name, making you the official owner of the car.
This page is intended for informational purposes only and does not constitute financial advice. We recommend seeking independent financial advice to ensure any refinancing option suits your circumstances.
