The dealership might seem like the easiest option and their “amazing” deals can look tempting.

Think again.

Many manufacturer offers are restrictive:

• Short loan terms (often 36 months)
   
• High deposits (sometimes 50%)
   
• Conditions that make it hard to qualify
   

If you don’t meet their requirements, you usually end up back at the dealership’s standard rate far from the “best deal” you hoped for.

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’s nothing to lose and you could be driving your dream car sooner than you think.

• Visa holder finance & new arrivals to Australia — no minimum stay required
   
• New Zealand citizens & 444 visa holders — no minimum stay required
   
• Customers with current or discharged bankruptcy
   
• Customers with bad credit

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.

• 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.