Found the perfect used car? Buying second-hand can be stressful and trusting a dealer to sell you a quality car at a fair price isn’t always easy.

But do you really think the dealership will offer you the best finance deal on top of the car?

That’s where Royston Finance comes in.

As an independent finance brokerage, we work tirelessly to find the best loan options for your next vehicle. We compare a large panel of lenders to secure finance that suits your budget and circumstances.

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

• Secured car loans with fixed or variable rates
   
• Loan terms from 1 to 7 years
   
• Available for most vehicle types and ages
   
• Dealer or private sales
   
• Balloon refinance
   
• Classic and exotic cars
   
• Grey imports & WOVR accident history
   

• Bad credit, current or discharged bankruptcy
   
• Visa holder finance & new arrivals to Australia — no minimum stay
   
• New Zealand citizens & 444 visa holders
   
• Centrelink recipients & pensioners
   
• Novated lease options
   

Fast, flexible car finance even for newcomers to Australia.

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.