Car Finance Australia
Fast approvals, flexible loan structures, and options for private sales, self-employed applicants, bad credit and older vehicles.
- 1,000+ Happy Customers Confidence backed by real results.
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7 Days a Week Service
We’re here when it suits you
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$100m+ Vehicles Financed
Proven experience in tailored finance
Car Finance Services Australia Your Trusted Loan Partner
Whether you’re buying a new or used vehicle, purchasing from a private seller, or navigating a self-employed or bad credit application, Asset Finance Avenue can help.
We work with a broad panel of Australian lenders to find finance solutions tailored to your circumstances, making the process simple, straightforward and stress-free.
Finance For Private Sellers
Finance For Bad Credit
Life happens. Whether you’ve experienced financial hardship, missed payments in the past, or have defaults on your credit file, it doesn’t automatically mean finance is out of reach.
At Asset Finance Avenue, we understand that every situation is different. Some lenders are willing to look beyond a credit score and consider factors such as your current employment, income, repayment history and overall circumstances.
While approval can never be guaranteed, we may be able to help explore options for customers who have experienced credit challenges. If you’ve found the right vehicle, our team can assess your situation and explain what finance options may be available.
Private Or Business Use
Whether you’re purchasing a vehicle for personal use or business purposes, Asset Finance Avenue can help explore a range of finance options to suit your needs.
From family cars and weekend 4WDs through to work utes, vans and company vehicles, we work with a broad panel of lenders that cater to both private and business borrowers. We can assist sole traders, companies, partnerships and PAYG applicants, helping you understand the available options and loan structures.
If you’re unsure whether to apply personally or through your business, our team can explain the differences and help determine the most suitable approach for your circumstances.
Why Use Asset Finance Avenue?
- Straightforward finance process with no unnecessary complications
- Access to competitive car finance rates across Australia
- Support at every step of your application and approval journey
- Custom solutions to suit your financial goals and budget
- Private Sale Specialists
- Same Day Approvals
- Bad Credit options available
Frequently Asked Questions
Yes, we work with lenders who consider applicants involving past credit issues. One of the key things that these lenders look for, is good conduct on your banking. No dishonours, good savings, sensible spending are all things that help with an approval!
You sure can! We always advise to get an independent mechanical inspection, and have someone trusted sight the car, however we fund interstate purchases all the time!
In most cases, no deposit is required. If you are brand new to the work force, new to business, or are buying an expensive vehicle, lenders may ask for a deposit from 10-20%
We are happy to take a look! If there is a financial benefit to refinancing we can arrange this for you
Absolutely! Many of our lenders have no age restrictions on cars!
Each scenario is different, however for personal lending we typically require your latest 2 pay slips, your drivers licence and medicare card
Loan amounts typically start from $5,000.
A broker can compare multiple lenders and help identify options that may suit your circumstances, rather than only having access to 1 option
Recent Finance Approvals
2025 Porsche Cayenne
A client was looking to purchase a near-new 2025 Porsche Cayenne through a private seller. Given the value of the vehicle and the nature of the transaction, they wanted a finance solution that provided flexibility while keeping repayments manageable.
After reviewing the client’s circumstances, we secured approval with a specialist lender and arranged settlement directly with the seller. The vehicle was purchased without the delays often associated with high-value private sale transactions, allowing the client to take delivery quickly and with confidence, and the added flexibility of no early payout fees.
Two Paid Defaults
A client approached us looking to purchase a late-model vehicle but was concerned that two previously paid defaults on their credit file would prevent them from obtaining finance.
While the defaults had been satisfied, many lenders had declined the application automatically. After reviewing the client’s overall position, we identified strong savings habits, stable employment and a demonstrated ability to manage their finances responsibly.
By presenting the full story rather than focusing solely on the credit file, we secured an approval that allowed the client to proceed with the purchase and upgrade their vehicle.
New Business Venture
A self-employed electrician had recently started their own business and needed a newer ute to carry tools and equipment between jobs. Having only recently transitioned from PAYG employment, they were concerned their limited trading history would make obtaining finance difficult.
After reviewing their industry experience, previous employment history and current workload, we were able to identify a lender comfortable with their circumstances and secure approval for the vehicle.
The client was able to upgrade their ute and continue growing the business without tying up valuable cash reserves.
Private Seller Car Finance
Self-Employed Car Finance
Bad Credit Car Finance
Older Vehicle Finance
Car Loan Refinancing
Same Day Finance Approvals
Enquire to learn more
Looking for a different type of finance?
Explore some of our other finance options.
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Every finance application is different. Examples are provided as general case studies only. Approval is subject to lender criteria and individual circumstances.
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ODAAT Capital Pty Ltd ABN 88 676 958 142, is an Authorised Credit Representative #561546 of AFAS Group Pty Ltd, Australian Credit Licence #414426.
ODAAT Capital (2) Pty Ltd ABN 28 681 351 226, is an Authorised Credit Representative #564128 of LMG Broker Services Pty Ltd, Australian Credit Licence #517192.