Name: Agent Finance
Address: AU
Price range: $699

Question 1

How much does a car finance broker cost in Australia?

Accepted Answer

Traditional car finance brokers in Australia typically charge 3-5% of your loan amount in commissions and fees. On a $40,000 car loan, that's $1,200 to $2,000. Agent Finance charges a flat $699 fee regardless of loan size.

Question 2

Are car finance broker fees hidden?

Accepted Answer

Often yes. Broker commissions are paid by the lender but built into your interest rate. Most Australians don't see an itemised broker fee—they just pay higher rates. Agent Finance's $699 fee is transparent and upfront.

Question 3

What is rate loading in car finance?

Accepted Answer

Rate loading is when a broker adds a margin to your interest rate to increase their commission. A lender might offer 6.5% but the broker quotes you 7.5%, pocketing the difference. Agent Finance doesn't load rates—you see the actual lender rate.

Question 4

Do you ever receive commission from lenders?

Accepted Answer

Yes, sometimes. We always take the minimum commission each lender permits — for some lenders that's zero, and for some it isn't. When it isn't, you'll see the exact dollar amount on each loan option before you decide anything. What we earn never affects what we recommend: the ranking can't see our commission, so the cheapest loan for you wins, even when it pays us less. Our fee is $699 flat either way, and there's no fee if your loan doesn't proceed.

Question 5

Is Agent Finance a licensed car finance broker?

Accepted Answer

Yes. Agent Finance holds an Australian Credit Licence and operates under ASIC regulations. Every loan recommendation is reviewed by a licensed human broker before submission.

Question 6

How does AI car finance work?

Accepted Answer

You chat with our AI agent about your car finance needs—income, vehicle, credit situation. The AI searches a wide panel of Australian lenders in seconds to find matching options. A licensed human broker then reviews and verifies the best match.

Question 7

What does the $699 fee include?

Accepted Answer

The $699 flat fee covers everything: AI matching across a wide panel of lenders, human broker review, application submission, and support through settlement. No additional fees, no commissions, no percentage of your loan.

Question 8

Why is Agent Finance cheaper than other brokers?

Accepted Answer

AI handles the process that traditionally requires expensive human labour. We don't need call centres, large offices, or sales teams. Those savings are passed directly to you through our flat $699 fee.

Question 9

Can I get car finance with bad credit in Australia?

Accepted Answer

Yes. Agent Finance works with specialist lenders across Australia who consider applications from borrowers with impaired credit histories. Our AI matches your credit profile to lenders most likely to approve.

Question 10

What credit score do I need for a car loan in Australia?

Accepted Answer

There's no single minimum credit score. Different lenders have different criteria—some prime lenders require 700+, while specialist lenders accept scores below 500. Agent Finance searches a wide panel of lenders to find options for your specific score.

Question 11

How much deposit do I need for a car loan?

Accepted Answer

Many Australian lenders offer 100% finance with no deposit required. However, a deposit of 10-20% typically gets you better rates. Agent Finance can find options whether you have a deposit or not.

Question 12

How fast can I get a car loan approved?

Accepted Answer

Agent Finance typically submits applications within 24 hours. Formal approval depends on the lender—some offer same-day approval while others take 1-3 business days. The AI matching itself happens in seconds.

Question 13

Can I apply for car finance at night or on weekends?

Accepted Answer

Yes. Agent Finance's AI is available 24/7, including nights and weekends. You can start your application whenever suits you—no waiting for business hours or callback queues.

Question 14

Does applying for a car loan affect my credit score?

Accepted Answer

Initial enquiries with Agent Finance don't affect your credit score. A credit check only happens when you choose to proceed with a formal application to a specific lender. Our AI helps avoid unnecessary applications that could impact your score.

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