Frequently Asked Questions

What types of finance do you offer?
We arrange asset finance for cars, utes, trucks, trailers, and business equipment. Whether you’re PAYG or self‑employed, we’ll find options that suit your budget and structure — including chattel mortgages, and commercial hire purchase agreements.
Are you a lender or a broker?

We’re a broker — which means we do the legwork across a panel of trusted lenders to find the best deal for you. We don’t lend the money ourselves, but we manage the entire process from application to settlement so you don’t have to juggle calls and forms.

Will applying affect my credit score?

No. The initial quote process has no impact on your credit score. We only perform a formal credit check once you decide to proceed with a specific lender and have given us
permission.

How long does approval take?

Every deal is different, but most clients receive an answer within 12–48 hours after we’ve
received all the required documents. We pride ourselves on communication, so you’ll
never be left wondering what’s going on.

Can you help with private sales?

Absolutely. We work with both dealership and private sales. In fact, we’ll even help you review the sale documents, make sure everything stacks up, and coordinate payment with
the seller once approval is in place.

I’m self‑employed — what do I need to apply?
If you’re ABN‑registered, we can usually help with limited documentation options. Generally, we’ll need your driver’s licence, ABN details, and recent bank statements. For larger purchases, we may request financials or BAS statements — we’ll guide you through it.
What makes Active Asset Finance different?
We’re hands‑on and human. You won’t get bounced between departments or left on hold. We combine real‑world car knowledge with finance expertise, so we can help you spot value, avoid traps, and actually enjoy the process.
Do you charge fees?
Most of our services are paid by the lender, not you. If a client fee applies, we’ll disclose it clearly before any paperwork is signed — no surprises.
Do you work Australia‑wide?
Yes. We work with clients all over Australia via phone, email, and online document signing. Whether you’re in a city or regional area, we can help.
How do I get started?
Simple — hit Get Pre‑Approved on our homepage or call us directly. It takes about three minutes to get the ball rolling, and we’ll handle the rest.

Still have questions?
We’re happy to help.

approvals@activeassetfinance.com.au

Email Address

approvals@activeassetfinance.com.au

Business Hours

Mon–Fri, 9am – 4pm (but we’re always around, don’t be afraid to reach out any time)