Thinking About Buying a New Car?

As an independent finance brokerage, we work tirelessly to find the best financing options for your next car.

We compare a large panel of lenders to ensure you get:

• Secured car loan options with fixed or variable rates
   
• Loan terms from 1 to 7 years
   
• Novated lease options
   

With our obligation-free assessment, there is nothing to lose and you could be driving your dream car sooner than you think.

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.

• Honest guidance without dealership pressure 
• Support for first-time borrowers and new arrivals 
• Soft credit checks with no impact to your score 
• Access to 30+ lenders across Australia 
• Help understanding the process from start to finish 
• Real people who explain things properly 
• We care more about the right outcome than just “getting a deal done”

Applying for finance for the first time can feel overwhelming, especially if nobody has ever explained how it works properly.

At Royston Finance, we take the time to guide you through the process step-by-step so 

you understand:

• how repayments work 
• what lenders look for 
• how credit files work in Australia 
• how to avoid overcommitting financially 
• what vehicle options make the most sense for your situation 

No pressure. No confusing jargon. Just honest support and guidance.

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.

⭐️⭐️⭐️⭐️⭐️ 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.