On a Skilled Migrant Visa?
Car loans and finance solutions for 482, 189, 190 and 491 visa holders — 30+ lenders, no citizenship required.
Helping migrants, visa holders, and new arrivals access finance with confidence since 2023, even with limited Australian credit history.
Fast, Friendly Finance Without the Guesswork
Moving to Australia is a big step, and sorting out finance as a new arrival can feel confusing fast.
Many migrants run into the same roadblocks:
- Limited Australian credit history
- Visa restrictions
- Confusing or conflicting lender advice
- Recently started employment
- Declines that could have been avoided
At Royston Finance, we are finance brokers who specialise in exactly this: helping migrants and visa holders get it right from the first application, not the third.
Our team migrated to Australia from the UK 🇬🇧, so we know first-hand what it is like starting fresh in a new country.
Whether you are buying your first car, refinancing an existing loan, or exploring personal or business finance, we work with lenders who genuinely understand migrant applications and temporary visas.
Most importantly, we protect your credit profile. We choose the right lender before you apply, instead of sending your details to multiple lenders and hoping one says yes.
Finance does not have to be stressful when you have the right team behind you.
Helpful Resources for Skilled Migrants
Why Skilled Migrants Choose Royston Finance
We Understand Visa Holder Finance
Our team has been through the migration process ourselves, so we understand the challenges migrants face when applying for finance in Australia. We are an Authorised Credit Representative, and we work with you directly, from your first enquiry through to settlement, not through a call centre or a reseller of leads.
You will see brokers advertising access to 60 or more lenders. In reality, no team can hold genuine, up to date knowledge of that many individual credit policies at once, especially something as specific and fast-changing as visa holder and migrant lending criteria. We work with a carefully selected panel of 30 or more lenders, and we know their policies in real detail, not just their name on a list.
Fast Approvals
Many customers receive approvals within 24 to 48 hours, depending on the lender and the 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
We focus on protecting your credit file, and we only proceed when we believe the application is right for you.
Trusted by Migrants Across Australia
⭐️⭐️⭐️⭐️⭐️ Over 185 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.
We Protect Your Credit Score
Many migrants unknowingly damage their credit file by applying with the wrong lenders or multiple dealerships.
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 approach lenders suited to your visa type
- 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.
Why Skilled Migrants Often Get Declined
Many lenders have strict policies around:
- Visa subclass and expiry
- Short-term employment history
- Overseas income
- Limited Australian credit history
Applying with the wrong lender can damage your credit file and reduce future borrowing power.
At Royston Finance, we help match your visa type and employment situation with lenders that understand migrant applications.
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.
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 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
✔ 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
Skilled Visas We Commonly Assist
We regularly help customers on skilled and sponsored visas, including:
✔ 482 Temporary Skill Shortage
✔ 485 Graduate Visa
✔ 491 Skilled Work Regional
✔ 494 Skilled Employer Sponsored
✔ 190 Skilled Nominated Visa
✔ 189 Skilled Independent Visa
✔ 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 185 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.
Yes — most lenders will consider you even with under 3 months in the role. Approval comes down to your visa type, income, employment contract, and overall financial position.
Yes. Several lenders specialise in new arrivals and temporary visa holders, even with limited or no Australian credit history. We match you to lenders suited to your visa type.
Most finance brokers and dealerships in Australia charge a brokerage fee for their services. 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 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 before you proceed with your application.
No. Our initial assessment is a soft check that protects your credit file, we only move to a formal application once we know it's likely to succeed and you are ready.
Not always. Some lenders offer up to 100% finance depending on your visa type, employment, income, and credit profile.
It can. Visa type and expiry date influence available terms, and temporary visa holders occasionally see slightly higher rates however, we know where to find the most competitive option for your situation.
Most types: temporary, sponsored, skilled, partner, graduate, and bridging visas. Don't see yours listed? Ask us anyway as we may still be able to help. Please review our VISA LIST
Yes. Several lenders accept applications from visa holders and new arrivals with little or no local credit history, and we know which ones.
Yes. All lenders require the loan to finish before your visa expiry, typically with at least one month to spare.
Usually, yes. Requirements vary by lender and visa type however, many accept an overseas licence.
Four things, generally: your passport and visa, proof of income (payslips or employment contract), proof of Australian address, and a driver's licence (Australian or overseas).
Not necessarily. Rate depends on visa type, income, credit history, loan amount, and the vehicle, we compare lenders to find a competitive rate regardless of visa status.
Depends on the lender whilst some allow fee-free early repayment, others charge break or exit fees. We will spell out the terms before you sign anything.
Often within 24–48 hours of submitting your documents, though timing varies with individual circumstances.
Yes — motorcycles, caravans, trailers, utes, vans and more, depending on your visa and financial situation.
Yes. Many lenders accept 482 Temporary Skill Shortage visa holders; approval depends on employment, income, and visa expiry.
Yes. Permanent residency is not always required. Many Australian lenders offer car finance solutions for temporary residents and visa holders.
There's no universal minimum. Lending criteria vary by lender, and some are notably more flexible for visa holders with limited Australian credit history.
Yes, though you will likely need extra income documentation — bank statements or tax returns — alongside the standard paperwork.
Yes. Most lenders finance both new and used vehicles for eligible visa holders and temporary residents.
Often, yes. Refinancing can lower your repayments or secure a better rate, depending on your visa status, income, and loan history.
Yes — a joint application can strengthen your borrowing power and approval odds, depending on both applicants' finances and visa status.
Potentially. Some lenders accept part-time, casual, or contract income as long as it's stable and meets their lending criteria.
Yes — pre-approval shows your borrowing capacity upfront, so you can shop with confidence.
Contact your lender or broker straight away. Many offer hardship options — payment pauses, revised repayments, or loan restructuring while you get back on your feet.
21 Ingleston Road, Tingalpa QLD, Australia
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Tel - (07) 3916 9440
21 Ingleston Road, Tingalpa Queensland 4173, Australia (Australia wide service)