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Experts in Non Conforming Motor Finance

Clean, Impaired & Bad Credit

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Australian Motor Finance

Australian Motor Finance (AMF) is a non conforming motor vehicle financier for the credit challenged and credit impaired.

Loan Amounts & Vehicles

• Australian Motor Finance lends amounts from $5,000 to $50,000

• Vehicles must be less than 7 years old & have traveled less than 150,000 kilometers

• Subaru WRXs can only be financed to people over 25 years of age

General Rules - Serviceability

All loans must show a surplus of net income over expenses of least $500 after taking into account Australian Motor Finance Payments.

General Rules - Employment

• Full time: must be employed 3 months
• Part Time: 12 months with a minimum of 20 hours per week
• Casual Work: Agency, 2 years
• Casual Work: Tradesperson or registered nurse, 3 months

General Borrower Types

The Australian Motor Finance product is geared towards these types of borrowers:

1. Business failure
2. No past credit history
3. Low asset base
4. Young and only recently entered workforce
5. Those who have recently been through a divorce or separation where the other partner was the main income earner
6. Those returning from overseas after prolonged stay
7. Self employed including those recently commencing their own business
8. Immigrants
9. Overseas visitors on work visas
10. Students on study visas
11. Those with an impaired credit history
12. Those who have experienced a severe financial crisis caused by sickness, accident or any other personal problems
13. Discharged bankrupts

General Rules - Other

• Generally speaking, no borrowers in Caravan Parks/Hotels/Boarding Houses (if there are special circumstances please refer to us).

• Limit under 23s to $15,000 with pre-paid insurance (1 year)

• Overseas borrowers should hold good qualifications and normally will only be granted a small lend. (If there are special circumstances please refer to us)

• Overseas borrowers with student visas should be referred to us (reference needed and copy of visa)

Acceptance Guidelines

We accept that there are always circumstances or facts which vary and we will work together to obtain motor finance.

That is why we invite you to discuss deals with our acceptance people. The following are our acceptance guidelines:

Person/Identity

• Australian resident or holder of visa/entry rights beyond term of loan

• Australian driver's licence

• Minimum age of 18, no maximum

• 100 point identification

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