Fees and commission
What does a car finance broker cost?
Most car finance brokers charge you a fee, plus commission from the lender that's built into your interest rate. We charge a flat $699 fee. Zero commission is our default.
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The short answer
- Our fee is $699. Flat, published, whatever you borrow.
- No fee if your loan doesn't proceed.
- You get the lender's lowest rate. Zero commission is our default. That's the lowest rate the lender sets for your credit profile.
- Every loan we show you displays exactly what we earn — in dollars, before you decide.
- Lenders charge their own establishment fees, whoever arranges your loan. You see them in your quote.
How brokers get paid
How do car finance brokers get paid?
Car finance brokers in Australia are usually paid a fee plus commission from the lender, built into your interest rate. Lenders let brokers choose where your rate lands, and the higher it lands, the more the broker earns. At Agent Finance, zero commission is our default.
Drag the dial to see where a broker can set your rate.
The broker adds to your interest rate
+2.0% p.a.
Broker's commission: All of it
Where I set itZero commission is my default.
Lenders let me cut your interest rate by 2% p.a. I do it every time.
- Lenders pay brokers a commission that's built into your interest rate. Brokers can give it up to lower your rate, but they need it to cover their costs. I don't.
- A small minority of lenders set a minimum broker commission we can't reduce to zero. If one of those lenders has the cheapest loan for you, you'll see exactly what we earn, in dollars, before you decide anything.
Brokers and dealers
How much can brokers and dealers charge?
- Fees up to $2,500 (ASIC Report 832, as at June 2026).
- An ASIC case study: $4,503 paid to a broker on a single loan.
Arranging finance at the dealership? The dealer typically adds a commission margin on top of the lender's rate. Get approved with Agent Finance first. Walk in knowing your rate. Now you have the power.
Four ways to finance a car.
Three of them don't have to put you first.
By law, mortgage brokers must act in your best interests. Nobody arranging your car loan has to.
Dealership finance
- How they make money
- A fee plus commission, usually 2 to 5% of your loan, built into your rate
- What you're shown
- Their lenders' rates, not the market
Comparison sites
- How they make money
- Paid by lenders for every customer they send
- What you're shown
- The lenders that pay to be listed
Traditional broker
- How they make money
- A fee plus commission, usually 2 to 5% of your loan, built into your rate
- What you're shown
- Depends who you get. Some find you the best deal. Some don't
Agent Finance
- Your best interests
- Hard-coded to put you first
- How I make money
- $699 flat fee, plus the lowest commission each lender permits — zero where we can.
- What you're shown
- The best offers I find, and what I earn on each one — in dollars.
AI removes the cost. You keep the savings.
Our fee
What does Agent Finance charge?
$699
Your broker does the same work whether your car costs $20K or $80K. So why does their price change? Our fee doesn't. $699, whatever you borrow.
- No fee if your loan doesn't proceed.
- Lenders charge their own establishment fees, whoever arranges your loan. You see them in your quote.
Do you ever take commission?
Zero commission is our default.
A small minority of lenders set a minimum broker commission we can't reduce to zero. If one of those lenders has the cheapest loan for you, you'll see exactly what we earn, in dollars, before you decide anything.
Every loan we show you displays exactly what we earn — in dollars, before you decide.
Why I cost less
No office. No call centre. Just AI.
That keeps my costs low, and I pass those savings on to you.
We're not cutting corners. We use the same lenders, follow the same regulations, and search just as many options. A qualified human broker reviews every deal before it's submitted. The difference? AI handles the 95% of the process that used to require expensive human teams — the chasing, matching, data collection, and application prep. That's where the savings come from, and we pass every dollar of it to you.
Questions
Ask me anything.
More than most people think.
Most brokers charge you a fee, plus commission from the lender that's built into your interest rate. Fees up to $2,500 (ASIC Report 832, as at June 2026). Our fee is $699. Flat, published, whatever you borrow.
Not hidden. Just hard to see.
Broker commission is built into your rate. Most customers never see it. Every loan we show you displays exactly what we earn — in dollars, before you decide.
It's where your rate lands.
Lenders let brokers choose where your rate lands. The higher it lands, the more the broker earns. Zero commission is my default. On personal car loans, lenders let me cut your interest rate by 2% p.a. I do it every time.
Usually, no.
Zero commission is our default. A small minority of lenders set a minimum broker commission we can't reduce to zero. If one of those lenders has the cheapest loan for you, you'll see exactly what we earn, in dollars, before you decide anything. We always take the lowest the lender allows.
My work, start to finish.
My fee is $699. Flat, published, whatever you borrow. It's included in your loan, so there's nothing to pay upfront. No fee if your loan doesn't proceed. Lenders charge their own establishment fees, whoever arranges your loan.
No office. No call centre.
Just AI. That keeps my costs low, and I pass those savings on to you. AI removes the cost. You keep the savings.
A good one is.
A broker compares loans from many lenders and applies for you. Go direct to a lender and you only see their offer. With us, the cheapest loan for you wins. Even when it pays us less.
Pay less for the same car loan.
AI does the work. We don't pay human brokers. Neither do you.
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