Moving to a new country is exciting, but it can also come with challenges, especially when it comes to accessing finance. 

At Royston Finance, we specialise in helping migrants and new arrivals secure car loans, novated lease, personal loans, and business finance tailored to your unique situation.

Whether you’re looking to buy your first car, consolidate debt, or invest in a business, we understand that traditional lenders often make it difficult for migrants to get approved. That’s why we work with a wide network of carefully chosen lenders who welcome temporary visa holders, permanent residents, and new migrants.

• Specialist Knowledge: We understand different visa types and how they affect your finance options.
   
• Fast Approvals: Many clients are approved within 24–48 hours.
   
• Flexible Options: From no deposit car loans to secured and unsecured personal loans, we tailor finance to your needs.
   
• Trusted Guidance: Our team has gone through the migration process themselves — we know what it’s like and how to help.

• New or used vehicles
   
• Flexible loan terms (1–7 years)
   
• Options for short-term employment and limited credit history

• New or used vehicles upto 10 Years old
   
• Flexible loan terms (1 - 5 Years)
   
• Options for short-term employment and limited credit history

• Refinance and Private sales
   
• ATO Compliant for up to 100% private use!
   
• No log books and fuel card included

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Only available to subclass  100, 101, 102, 103, 114, 115, 116, 117, 119, 120, 121, 124, 132, 143, 151, 155, 157, 176, 186, 187, 188, 189, 190, 200, 201, 203, 204, 482, 491, 494, 801, 802, 804, 835, 836, 837, 838, 857, 858, 864, 866, 887, 888, 889, 892, 893

Will require a credit file age of 12 months minimum therefore new arrivals will not qualify. 

• Debt consolidation, emergency expenses, holidays, weddings, or home renovations
   
• Secured and unsecured options
   
• Fast, obligation-free assessments

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• Loans for vehicles, equipment, technology, or other business assets
   
• Flexible options for ABN holders and new migrants
   
• Support for LOC, Easy Doc, and Full Doc applications

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We have successfully arranged finance for clients on visas such as:

Partner Visas
100, 309, 801, 820 - Car loans only for 309 and 820, partner must also be on the loan.

Special Category Visa
444

Skilled & Sponsored Visas
482, 487, 489, 491, 494, 495, 496

Training Visa
407

Graduate Visa (NO Student 500 subclass)
485 - No Personal loans

We can assist with over 80 other visa subclasses, including:
101, 102, 103, 111, 114, 115, 116, 117, 119, 120, 121, 124, 132, 134, 136, 137, 138, 139, 143, 151, 155, 157, 160, 161, 162, 163, 164, 165, 173, 175, 176, 182, 186, 187, 188, 189, 190, 191, 200, 201, 202, 203, 204, 401, 403, 405, 407, 410, 415, 416, 420, 422, 423, 428, 457, 461, 482, 485, 590, 785, 790, 802, 804, 808, 814, 835, 836, 837, 838, 851, 855, 856, 857, 858, 864, 866, 870, 884, 885, 886, 887, 888, 890, 891, 892, 893.

Bridging Visas on a case by case basis - CAR LOANS ONLY - NO PERSONAL LOANS - Please call to discuss before applying

010 (A), 020 (B), 030 (C) 
 

…and many more. If your visa type isn’t listed, contact us, we can usually find a solution.

1. Apply Online or Call Us — Tell us about your situation. You will be required to talk to us on the phone during your application.
    
2. Obligation-Free Assessment — We match you with lenders who can approve your finance.
    
3. Get Approved & Drive Away — Or access funds for your personal or business needs quickly.
    

Take the stress out of finance as a migrant in Australia.

At Royston Finance, we believe finance should be clear, simple and stress-free. That’s why we’ve created this quick guide to help you understand how things work before you apply. You will be required to talk to us on the phone during your application.

• Application fee – Some lenders charge a small upfront fee. We’ll tell you exactly how much (if any) before you sign anything.
   
• Interest rate – Rates vary depending on your credit history, age of vehicle, sometimes visa type, loan size, repayment term and lender. We’ll always give you a quote before you commit.
   
• Broker fee – All brokers in Australia charge a brokerage fee for the services provided, this helps towards keeping lender rates lower.
   
• Ongoing costs – Some loans have monthly or annual account fees. We’ll make sure these are clearly explained in your quote.
   
• Early repayment – Some lenders charge a small fee if you pay out early, others don’t. We’ll highlight this before you choose your loan.
   

Bottom line: You’ll never be asked to sign paperwork without knowing all fees and charges first.

We know waiting for approval can be stressful. That’s why we commit to:

• Replying to all messages within 1 business hour
   
• Sending you a daily update, even if nothing has changed
   
• Giving you one main point of contact, so you’re never bounced around
   

• Complaints – If you’re not happy, we have a simple complaints process (explained here). We aim to resolve issues within 5 business days.
   
• Hardship – If your circumstances change (job loss, illness, etc.), let us know right away. Many lenders offer payment pauses or temporary arrangements, and we’ll guide you through it.
   

1. Enquire online or call us to discuss your visa type and situation.
    
2. We match you with the right lender for fast approval.
    
3. Drive away in your new car — often within days.

No credit score impact - Our brokers will run a soft credit search to see if you have any financial credit information in Australia therefore, your credit score will not be affected.
 

📞 Call us on (07) 3916 9440 or
💻 Apply Online Now— and get your car finance sorted today.

Read about us and how we got started.

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We verify every reviewer is a real customer. If we can’t, we’ll arrange your finance for free.