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Fast, Friendly Finance, Even If You have Just Arrived!

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.

Our team has been through the immigration process ourselves, and we understand the stress and uncertainty. The good news? finance doesn’t have to be complicated when you have the right experts on your side.

Whether you are looking to buy your first car, motorcycle, caravan, camper trailer, jet ski, boat consolidate debt, we understand that traditional lenders often make it difficult for migrants to get approved. That is why we work with a wide network of carefully chosen lenders who welcome temporary visa holders, permanent residents, and new migrants from all over the world..

Please read our blog section to learn about how finance works in Australia. 

We Protect Your Credit Score

Most people don’t realise:
Applying with the wrong lender can lead to unnecessary declines and damage your credit file.

We do things differently:

• No shotgun applications 
• We only apply to lenders that accept your visa
• We don’t “try” lenders — we select the right one first 
• No unnecessary declines
• No damage from multiple applications

We submit your application only when it’s right

Been declined by a bank?
Just arrived and not sure what’s possible?
We deal with this every day.

Just because one lender said no…
doesn’t mean you can’t get approved.

Different lenders have different policies for:

• Visa types 
• Time in Australia 
• Employment history 

We deal with this every day and we know where to go

Before You Apply Online — Quick Eligibility Check

✔️ Working permanently in Australia 

✔️ Able to provide payslips or contract

✔️ Visa with 13+ months remaining 

✔️ Casual income for more than 3 months

✔️ Looking to purchase within 30 days

If you don’t meet this criteria or unsure, please call before applying.

✅ Check Your Eligibility (No Impact on Credit Score)

Applications reviewed within 24 hours

We only take on a limited number of applications per week

📞 Speak to a broker today — spots fill quickly

• Specialist Knowledge: We only recommend lenders that accept your visa protecting your credit score.  We are partnered lenders who welcome visa holders.
   
• Fast Approvals: Many clients are approved within 24–48 hours.

• Competitive interest rates  often the same as Australian citizens and PR holders
   
• Flexible Options: From no deposit car loans to secured and unsecured personal loans, we tailor finance to your needs. Options even if you have been in your job for 1 day
   
• Trusted Guidance: Our team have gone through the migration process themselves, we know what it is like and how to help.

• We understand your situation: We protect your credit file, and we won’t apply unless it’s right.

New or used cars, motorcycles, caravans, camper trailers, jet ski's, boats
 

• Flexible loan terms (1–7 years) - Restricted terms for visa holders
   
• Options for short-term employment (day 1 in role) and limited credit history

• New or used cars 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

Click to Learn more or Call Us

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

Visas must not be expiring within the next 26 months.
 

• Secured and unsecured options
   
• Fast, obligation-free assessments

Click to Learn more or Call Us
 

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

Not all visa holders are able to qualify for business finance, please contact us for more information.

Click to Learn more or Call Us

• We can refer you to our trusted partner Karmo for an exclusive discount.
   
• Good option for non eligible car loan customers
   
• Easy application process - WHV 417 Suitable
   

We can arrange car loans, Lesuire, business, novated lease and personal loans for:

• Temporary working visa holders
   
• Permanent residents
   
• Returning Australian citizens
   
• New Zealand citizens who have just moved to Australia
   

Even with limited or no credit history in Australia, you may still qualify.

Loan requirements:

• Loan must finish at least 1 month before your visa expires
   
• Minimum loan term: 12 months

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, 485, 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

010 (A), 020 (B), 030 (C) - Will also depend on which visa you have applied for.

At Royston Finance, we believe finance should be clear, simple and stress-free. That is why we have created this quick guide to help you understand how things work before you enquire.

1. Apply Online or Call Us — Tell us about your situation. You will be required to talk to us on the phone before your assessment can start.
    
2. Obligation-Free Assessment — We will complete an assessment to see if we can offer you credit assistance. Soft credit review (no impact)
    
3. Lender recommendation — We will make suggestions for lenders and products that are suitable to your personal circumstances. We select the lender most likely to approve you.
4. Quote — We will talk you through a quote and send you a copy on email to review and accept.
    
5. Lender submission — Submission to lender ONLY when you are happy to proceed after fully consulting with you.
6. Lender decision — We will communicate the outcome of your application to you and the next steps
7. Loan Settlement — We will work through the settlement process with the lender whilst trying to keep this process as hassle free as possible.

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

• Application fee – Some lenders charge a small upfront fee. We will tell you in writing exactly how much (if any) before applying to the recommended lender.
   
• Interest rate – Rates vary depending on your credit history, age of vehicle, sometimes visa type, loan size, repayment term and lender. We will always give you a quote before you apply for a loan.
   
• Broker fee – Most finance brokers and dealerships in Australia charge a brokerage fee for the services they provide. At Royston Finance, we believe in being fully transparent about this upfront.

Our brokerage fee ranges from $500 to $1,495, depending on the NAF (Net Amount Financed).

This fee does not go directly to your individual broker. Instead, it supports the work involved in Confirming if we can offer credit assistance, selecting suitable lenders, preparing and submitting your application, managing the approval process, and guiding you through settlement. It also helps us operate our business and provide the dedicated one-on-one support you receive from start to finish, while helping maintain competitive lender rates.

Most customers choose to include the brokerage fee within their finance. However, if you would prefer to pay this directly, simply let your broker know and we can arrange this for you.

The exact brokerage fee will always be disclosed and agreed with you prior to proceeding with your application.
 

• Ongoing costs – Some lenders have monthly account keeping fees. We will 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 will highlight this before you choose your loan.
   

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

Many brokers and dealerships have little experience with visa holders and send applications to the wrong lenders everyday, often without completing the correct checks which will often result in a decline or further information being require and can damage credit scores and new credit files.

At Royston Finance we know exactly what is needed upfront and which lenders will accept your application whilst matching you to the most competitive payment available without the guess work. 

We will work with you to find the best deal as being rate driven is not always the best approach. Some lenders charge monthly account keeping fees and dazzle customers with lower rates when in fact it costs the customer more overall. 

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 are 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.
   

📞 Call us on (07) 3916 9440 or 💻 Check your eligibility— and get your finance sorted today.

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. 

Read about us and how we got started

⭐️⭐️⭐️⭐️⭐️ Over 155 genuine 5-star Google reviews
We verify every reviewer is a real customer. If we can’t, we will arrange your finance for free.

🌏 Clients from 20+ countries 

🏆 Award-winning broker