Your Questions
Frequently Asked Questions
Honest answers to the questions we hear most, about getting started, what you can borrow, how we're paid, and why you can trust us. Can't find what you're after? Call us on 0478 777 723 and we'll talk it through.
Getting started
Will checking my options affect my credit score?
No. We work out your indicative options across our panel without lodging a credit enquiry, so there's no credit score impact to get started. A credit check only happens once you've chosen an option and given us the go ahead to lodge a formal application with that lender.
Is it really obligation free?
Yes. Exploring your options costs nothing and commits you to nothing. You can see what's available, take your time to think it over, and walk away at any point, no pressure, no cost.
How long does it take?
Getting your indicative options can often happen the same day. Once you've chosen and we lodge a formal application, many are preapproved instantly, depending on your situation and how quickly documents come together.
Eligibility and borrowing
How much can I borrow?
Loans typically range from around $5,000 to $150,000, over terms of 1 to 7 years. What you can actually borrow depends on your income, expenses and the lender, and we'll give you a realistic figure for your situation, not a generic estimate.
Can I get finance with a less than perfect credit history?
Often, yes. Our panel includes specialist lenders who consider applicants with a less than perfect credit history. We assess these case by case and match you to a lender who's most likely to look favourably on your circumstances.
What documents do I need?
Generally photo ID, proof of income (such as recent payslips, or business records if you're self employed), a rough picture of your basic expenses, and any vehicle or contract details. You don't need everything to get started, we'll confirm exactly what's required for your chosen lender. See How It Works for the full list.
Can I get finance as a sole trader or ABN holder?
Yes. We work with lenders who specialise in self employed, sole trader and ABN applicants, including low doc options. Head to our Business Finance page for the details.
Rates, fees and how we're paid
Do you charge me a fee?
Getting your options is free. If any fees apply to your chosen loan, we disclose them up front and in plain numbers before you commit, no surprises buried in the fine print.
How does Auto Solve Financial get paid?
We may receive a commission from the lender when your loan settles. This doesn't change our job, to find the option that suits you. The way commissions work is set out plainly in our Credit Guide.
Why don't you show rates online?
Because a single advertised rate would be misleading. Your rate depends on the lender, the loan and your personal circumstances. Rather than show a number you may never qualify for, we give you a real, personalised figure once we've looked at your situation.
Trust and licensing
Is Auto Solve Financial licensed and legitimate?
Yes. Auto Solve Financial Pty Ltd (ABN [ABN to confirm]) is an Authorised Credit Representative (Credit Representative Number [ACR # to confirm]) of [Licensee name] (Australian Credit Licence [ACL # to confirm]) and a member of AFCA (AFCA member [AFCA # to confirm]). We're also the finance arm of Auto Solve Cars, an established dealer in Australia. Full details are in our Credit Guide.
What happens to my personal information?
We treat your information carefully and only use it to help arrange your finance. How we collect, use and protect your details is explained in full in our Privacy Policy.
What if something goes wrong?
If you're ever unhappy, we want to know. We have an internal complaints process, and if we can't resolve things to your satisfaction you can escalate to AFCA, the free, independent external dispute resolution scheme. See our Complaints page for the steps.
Still have a question?
Get your options online or call our Australian team. Obligation free, with no credit score impact to get started.