Australia’s highest-rated finance brokers on Google
An Unsecured Car Loan allows you to finance your vehicle without using your car or any other asset as collateral. Perfect for those who don’t want to risk their property, this loan option provides competitive rates and flexible terms to suit your needs.
With fast approval, minimal paperwork, and no need for security, securing an unsecured car loan is quick and hassle-free. Apply now and enjoy easy financing, manageable repayments, and the freedom to drive away in your new car sooner.
Submitting your enquiry with us will not impact your credit score
We specialise in fast, unsecured car loans with competitive rates and flexible terms. Here’s what we offer:
Fast Approval and Funding
Get approved in just 60 minutes, with the possibility of same-day funding.
No Deposit and No Security Required:
Our access to 60+ lenders and 20+ years of experience allow us to find you the lowest rates and repayments on the market.
Flexible Payment Options
Choose a plan that fits your budget, with the flexibility to adjust as needed.
Expert Support:
We connect you with over 60 trusted lenders to ensure you get the best deal possible.
Credit Score Protection:
Our loans are designed to help improve and protect your credit score over time.
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.










Yes, you can get a car loan while on Centrelink! Affordable Funding helps find car loans for people on Centrelink with competitive rates and flexible terms. Your Centrelink payments don’t have to be a barrier to getting the vehicle you need. However, you should inform Centrelink if you purchase a car, as it may affect your payment entitlements. It’s essential to keep your Centrelink records updated.
Pensioners on Centrelink can access car loans tailored to their needs through Affordable Funding. We offer flexible terms and competitive rates designed to fit your financial situation.
No, Centrelink does not provide car loans directly. However, Affordable Funding can assist you in securing a car loan while you receive Centrelink payments.
The minimum income requirements for a car loan on Centrelink vary depending on the lender. Generally, you need to be receiving Centrelink payments and meet the basic eligibility criteria, such as being 18+ years old and an Australian citizen or permanent resident. Our team can discuss specific income requirements to find the best fit for your situation.
Bad credit is not a barrier with Affordable Funding. We offer car loans tailored for individuals with less-than-perfect credit, ensuring you have access to the financing you need.
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.