Unexpected car repairs, emergency vet bills, a dream holiday, or even a wedding, sometimes life throws expenses your way.

Fortunately, you’ve found Royston Finance.

As an independent finance brokerage, we specialise in helping you find the best personal loan options tailored to your needs. 

We can explore both secured and unsecured loans for a wide range of purposes, including:

• Debt consolidation
   
• Home renovations
   
• Education expenses
   
• Car repairs or emergency expenses
   
• Vet bills
   
• Holidays or weddings
   
• Balloon refinance
   
• Solar installations
   

We compare a large panel of lenders to ensure you get the most suitable and competitive loan for your situation.

With our obligation-free assessment, there’s nothing to lose and you could have the funds you need faster than you think.

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 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 sourcing 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.

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. 

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.    
 

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