Finance for Migrants & Visa Holders
Helping migrants, visa holders, and new arrivals access finance with confidence, even with limited Australian credit history since 2023.
Fast, Friendly Finance Without the Guesswork
Moving to Australia is a huge step, and accessing finance as a new arrival can often feel confusing and overwhelming.
Many migrants struggle with:
- Limited Australian credit history
- Visa restrictions
- Lender confusion
- Recent employment
- Unnecessary finance declines
At Royston Finance, we are finance brokers dedicated to helping migrants and visa holders navigate the Australian finance system correctly from the start.
Our team migrated to Australia from the UK 🇬🇧, so we understand the challenges that come with starting fresh in a new country.
Whether you are looking to purchase your first car in Australia, refinance an existing loan, or explore personal or business finance options, we work with lenders who understand migrant applications and temporary visas.
Most importantly, we focus on protecting your credit profile by selecting the right lender before submitting applications, not sending your details to multiple lenders unnecessarily.
Finance does not have to be stressful when you have the right team guiding you.
Helpful Resources for Migrants
We Protect Your Credit Score
Most people do not realise that applying with the wrong lender can lead to:
- unnecessary declines
- multiple credit enquiries
- damage to your credit file
At Royston Finance, we do things differently.
Our approach:
- No “shotgun” applications
- We only apply to lenders that accept your visa
- We carefully select the right lender first
- No unnecessary credit enquiries
- No applying “just to see what happens”
We only submit applications when we believe there is a realistic chance of approval.
Been declined by a bank?
Just arrived and unsure what is possible?
We deal with these situations every day.
Just because one lender says no does not mean approval is impossible.
Different lenders assess:
- Visa subclass
- Employment history
- Time in Australia
- Income structure
- Credit profile
Knowing where and how to apply can make a significant difference.
Before You Apply — Quick Eligibility Guide
You may qualify if you:
✔ Are permanently employed in Australia or starting soon
✔ Can provide payslips or an employment contract
✔ Have at least 13 months remaining on your visa
✔ Hold a valid visa - Check visa list
✔ Casual employment for 3+ months may be considered
✔ Are looking to purchase within the next 30 days
If you are unsure whether you qualify, we recommend speaking with us before applying.
Eligibility checks available with no impact to your credit score.
Applications are typically reviewed within 24 hours.
Why Migrants Choose Royston Finance
We understand which lenders accept different visa types and structure applications correctly from the beginning.
Fast Approvals
Many customers receive approvals within 24–48 hours, depending on the lender and supporting documents required.
Competitive Finance Options
Many visa holders can access rates similar to Australian citizens and permanent residents.
Flexible Lending Solutions
Options may be available even if:
- you recently started employment
- you have limited Australian credit history
- you are on a temporary visa
- you have been declined elsewhere
Real Support From People Who Understand
Our team has personally experienced the migration process and understands the challenges involved in settling into life in Australia.
We focus on protecting your credit file and only proceed when we believe the application is right.
Trusted by Migrants Across Australia
⭐️⭐️⭐️⭐️⭐️ Over 170 genuine 5-star Google reviews
Customers from more than 20 countries
Award-winning finance brokerage
Managing Director Ian Brown was named Lenders’ Choice Broker of the Year 2025 for the Queensland region.
Asset Finance
Finance available for:
- new and used cars
- motorcycles
- caravans
- camper trailers
- boats
- jet skis
Features:
- Flexible loan terms
- Options for limited credit history
- Day 1 employment options available
- Private sales accepted
Car Subscription
A good option for customers who may not yet qualify for traditional car finance.
- We can refer you to our trusted partner Karmo for an exclusive discount.
- Good option for non eligible car loan customers
- Easy application process — suitable for WHV 417 & 500 Student visa holders
Novated Leasing
- New or used vehicles up to 10 years old
- Flexible terms available
- Refinancing and private sale options
- ATO-compliant structures available
- Fuel cards and servicing packages available
Personal Loans
Very much on a case by case basis, please call our team on (07) 3916 9440 to discuss your circumstances and reason for loan before applying.
Visas must not be expiring within the next 26 months.
Secured and unsecured options
Business Finance
Finance available for:
- vehicles
- equipment
- technology
- business assets
Options available for:
- ABN holders
- Easy Doc applications
- Full Doc applications
Eligibility will depend on visa type and business circumstances.
Who We Help
We regularly assist:
✔ Temporary visa holders
✔ Permanent residents
✔ Returning Australian citizens
✔ New Zealand citizens relocating to Australia
Even with limited or no Australian credit history, finance may still be possible.
Loan requirements for temporary visa holders:
- Loan must finish at least 1 month before your visa expires
- Must hold an acceptable visa - Check list
- Minimum visa length: 13 months
Common Visa Types We Support
✔ 482 Temporary Skill Shortage
✔ 485 Graduate Visa
✔ 491 Skilled Work Regional
✔ 494 Skilled Employer Sponsored
✔ Partner Visas
✔ New Zealand Special Category Visa (444)
✔ Permanent Residency Pathways
✔ Bridging Visas (case dependent)
We also support many more additional visa subclasses, check full list.
Contact us to discuss your situation.
What Happens After You Enquire?
We believe finance should be clear, straightforward, and transparent.
Step 1 — Initial Discussion
We learn more about your situation and finance goals.
Step 2 — Obligation-Free Assessment
We review your circumstances and complete a soft credit review with no impact on your score.
Step 3 — Lender Selection
We recommend lenders and products suitable for your situation.
Step 4 — Quote & Review
We explain the recommended option clearly before proceeding.
Step 5 — Submission & Approval
Applications are submitted only once you are comfortable proceeding.
Step 6 — Settlement
We guide you through settlement and keep the process as smooth as possible.
Transparent Fees & Costs
At Royston Finance, transparency is important to us.
Brokerage Fees
Our brokerage fee ranges from $500 to $1,495 depending on the loan amount financed.
This fee supports:
- lender research and selection
- application preparation
- approval management
- settlement support
- ongoing customer guidance
The exact fee is always disclosed and agreed before proceeding.
Other Costs
Depending on the lender, there may also be:
- application fees
- monthly account fees
- early repayment fees
All fees and charges are explained clearly before any paperwork is signed.
No surprises.
Avoid Common Pitfalls
Most 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.
Communication You Can Rely On
We understand waiting for finance approval can feel stressful.
That is why we commit to:
- Fast response times
- Regular updates throughout the process
- One dedicated point of contact
- Clear and honest communication
If Things Don’t Go to Plan
- Complaints – If you are 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.
Trusted by Migrants Across Australia
⭐️⭐️⭐️⭐️⭐️ Over 170 genuine 5-star Google reviews
Customers from more than 20 countries
Award-winning finance brokerage
Managing Director Ian Brown was named Lenders’ Choice Broker of the Year 2025 for the Queensland region.
Ready to Get Started?
📞 Call us on (07) 3916 9440
💻 Complete an eligibility check with no impact to your credit score.
We are here to help make your move to Australia easier and less stressful.
Listen to our podcast with The Down Under Centre!
Our Managing Director, Ian Brown recently joined our partners at The Down Under Centre to chat about his journey from the UK to Australia and why he started Royston Finance.
In this episode of the Migrating to Australia podcast, host Lisa Chambers chats with Ian who shares his inspiring journey from the UK to Oz, as well as how Royston Finance can help Migrants.
Available to listen to on Spotify, Apple podcasts, Youtube and Youtube music
Frequently Asked Questions
Please reach us at office@roystonfinance.com.au if you cannot find an answer to your question.
Absolutely, many of our lenders will approve applications even if you’ve been in your role for less than 3 months.
Not always. Some lenders will offer up to 100% finance, depending on your circumstances and visa type. item.
Not at this stage, we understand your situation, we protect your credit file, and we won’t apply unless it’s right.
Potentially. Temporary visas may attract slightly higher rates, but we’ll always match you with the most competitive option available.
We work with many temporary, sponsored, partner, skilled and bridging visas. If yours isn’t on the list, contact us and often we can still find an option.
Yes — even with limited or no credit history, some lenders accept applications for visa holders. We can guide you through which lenders will consider your situation.
Typically the loan must finish at least one month before your visa expires. We tailor options to your visa duration.
In many cases yes, an overseas driving licence is often accepted, but it depends on lender requirements. We’ll clarify what’s needed during your application.
Usually: current passport & visa documents, proof of income (payslips or contract), proof of Australian address, driving licence.
Not always visa type, lender, vehicle, loan size and credit history can affect rate. However, we aim to get you the most competitive rate available.
Some lenders charge early repayment fees, others don’t. We clearly outline these costs before you commit.
Many applications are processed quickly, often between 24-48 hours once all required documents are submitted, however, we may require more information and will require you to be available for a call with our brokers. If you do not respond, this time frame could change.
Absolutely, depending on your visa type and purpose, we can help with finance for cars, motorcycles, caravans, trailers and more.
Let us know as soon as possible. Many lenders offer hardship provisions, payment pauses, or restructuring. We’ll help you navigate these options.
21 Ingleston Road, Tingalpa QLD, Australia
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All Rights Reserved.
Tel - (07) 3916 9440
21 Ingleston Road, Tingalpa Queensland 4173, Australia (Australia wide service)