FAQ
Ask me anything.
Straight answers on fees, your credit score, applying, buying your car and your loan.
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Fees and commission
One fee. That's it.
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.
The lowest the lender allows.
Lenders let me cut your interest rate by 2% p.a. I do it every time. A small minority of lenders set a minimum broker commission I can't reduce to zero. If one of those lenders has the cheapest loan for you, you'll see exactly what I earn, in dollars, before you decide anything. I always take the lowest the lender allows.
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.
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.
Your credit score
I'm careful with it.
Me? Soft check only. Zero impact on your score. Each lender puts a hard check on your credit file, so I only apply to lenders likely to approve you.
There's no magic number.
Each lender sets its own credit policy. I match your profile against our lender panel's policies before any application is submitted, so I only apply where you're likely to be approved.
Often, yes.
Some lenders on our panel look beyond a low score. I match your profile against their policies first, so I only apply where you're likely to be approved. I'll never promise approval.
Applying
Chat. Compare. Done.
Tell me about the car and the loan you want, and I'll check live lender rates. Then I'll ask about your job, income and spending, and show you the loans that fit you, side by side. Pick your lender and send me a few documents. A qualified broker reviews every deal before I send it to the lender, and I stay with you right through to settlement.
Minutes, not days.
A quote takes 30 seconds. Seeing real quotes and picking your lender takes about 5 minutes, and finishing your application about 5 more. Some lenders approve the same day and pay out the next business day. It depends on the lender and how busy they are.
Anytime.
Speak to an AI koala. Anytime. No phone calls. Ever. A qualified broker reviews your deal during business hours before it goes to the lender.
Your licence, then a few documents.
A driver licence, Medicare card or proof of age card. Then a few documents that depend on your situation, like payslips, council rates notices or visa documents. I'll tell you exactly what's needed.
Anyone 18 or over.
Our lenders cover Australian citizens and permanent residents, New Zealand citizens and a range of visa holders.
Yes.
You can apply on your own, or jointly with your partner.
Buying your car
New, used or electric.
New or used cars up to 15 years old: petrol, diesel, hybrid or electric.
$8,000 to $150,000.
How much depends on your income, your expenses and the lender's policy.
It depends.
It depends on the lender and your profile. Some loans need no deposit. I'll show you the options that fit you.
Both work.
The lender pays the dealer or the private seller directly. For a private sale, the lender checks the car's history (a PPSR check) and that no finance is owing on it, and I walk you through each step.
That your finance is sorted.
Tell them you've arranged your own finance. You don't have to use theirs. Get approved with Agent Finance first. Walk in knowing your rate. Now you have the power.
Usually one to three months.
Each lender sets its own expiry, usually 30 to 90 days. If you need more time, the lender can often extend it.
Your loan
The lender.
Your loan is with the lender, so your repayments go straight to them.
Usually, yes.
On personal car loans, usually yes. Some lenders charge an early exit fee, and loans with flexible exit terms can come at a slightly higher rate. Tell me if it matters to you and I'll factor it in.
You do.
You own the car. Your loan is secured against it, so the lender holds it as security until the loan is paid off.
On business loans.
Balloon payments are available on business car loans only, for now.
Not yet. Soon.
We don't refinance yet, but it's coming soon.
About us
No catch. Just lower costs.
AI does the work, so I don't need a big team, an office or a call centre. No sales bonuses, no perks. That keeps my costs low, and I pass the savings on to you. It's why I can give up the commission brokers usually keep, and cut your interest rate by 2% p.a. every time.
Properly.
Agent Finance AI Pty Ltd (ABN 87 673 873 204), Credit Representative Number 568 962, is authorised under Australian Credit Licence 384 704 held by Finsure Finance and Insurance Pty Ltd (ABN 72 068 153 926). Part of Finsure's broker network, which settles more than $5 billion in loans every month. Disputes can go to the Australian Financial Complaints Authority (AFCA).
Legally, no car finance broker has to. I do anyway.
No car finance broker is legally required to act in your best interests. I do it anyway. The cheapest loan for you wins. Even when it pays me less. If you can get a better deal elsewhere, take it.
Real AI. Real licence. Real people checking my work.
AI-led, human-verified. Qualified brokers review every deal. Part of Finsure's broker network, which settles more than $5 billion in loans every month. Credit Representative Number 568962 of Australian Credit Licence Number 384704.
Rob built me. Real people back me up.
Rob Carlile, former executive at Australia's largest car finance brokerage. He saw the same problems again and again from the inside. So we built one where AI does the work. Qualified brokers review every deal, and we're part of Finsure's broker network, which settles more than $5 billion in loans every month.
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Pay less for the same car loan.
AI does the work. We don't pay human brokers. Neither do you.
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