Choose from 700+ vehicles nationally!

You'll pay: deposit and from per week*
as one fixed weekly repayment for the full contracted term

Includes vehicle rego and CTP insurance

Includes comprehensive vehicle insurance

This represents $30-$40 per week of extra value included!

*Deposit and weekly payments may vary depending on a number of factors,
including the information you provide us and our assessment of your application.

We supply late model cars that
are going to go the distance

Apply now and find out what you can afford!
Bad credit accepted

We know bad things happen to good people so we assess your current position.

Cars on the ground

We have available fleet of more than 700 ready to drive away right now.

Rego and insurances included

With options to include servicing and roadside assist. No more big car bulls to worry about.

Fast approval

Once we have your application and documents, most decisions can be made the same day.

Option to own or upgrade

At the end of your lease you can choose to take own your car, or upgrade a newer model.

Easy low deposits

Short on cash? It's not a poblem when our upfront payments start ofmr as little as $290 (for a small car).

Car finance made easy

STEP ONE
Apply online
STEP TWO
Choose your car
STEP THREE
Drive away!

Trusted by our customers

"Love my new car"

BIB

"Great service, great team!"

ASH AND GRANT

"Fast and easy. Great service"

LILQT

We'll help you get back on the road

Every day we help people just like you improve their credit
rating and get things back on track for a more secure future.

Get pre-approved in 60 seconds!

Drive away in 24 hours

Rego & insurance included

What you need to know

Car loans are a type of personal loan where you apply to borrow a certain amount and upon approval, that money is transferred to you and you commence a process of repaying a combination of interest and principle. A secured loan is often at a lower rate because the lender takes ‘security’ over the vehicle, i.e. if you don’t repay, they take the vehicle back.

Car finance, on the other hand, does not lend money. Lenders like Alpha instead finance a vehicle under our name for the duration of the contract term. Then at the end of the term the customer can transfer the vehicle into his or her name, upgrade into a newer model, or move on to something else. In a way it is like a long-term hire. Similar to rent-to-own, with Alpha you pay a small one-off and a fixed weekly repayment (that includes the registration and insurance).

Yes, we believe that every Australian deserves a reliable good quality vehicle. We know that life doesn’t always go according to plan and when something goes wrong, it doesn’t take much to miss a few payments on a utility bill or not be on top of your credit card minimum payments. We specialise in helping drivers who have run into difficulties in the past and are working to repair their credit history.

To get our applicants into the best late-model vehicle they can afford, we carefully assess your current financial situation rather than relying heavily on your past. So don’t think you can’t get car finance due to credit issues. Whether you have good or bad credit, give us a ring and we'll do our best to get you the best vehicle for your budget and lifestyle.

Yes, we proudly support Australians who are working for themselves, either as a sole trader, or as a business entity. If you have an ABN that is older than 3 months, we can help get you the car, ute, van or truck you need to keep your business out on the road.

It just comes back to our Affordability Assessment. If you are able to provide the necessary documents to prove a regular income flow, then Alpha can help you. Just like the tradies, freelancers and other small business owners who make up our self-employed customer base.

And the bonus is that as a lease arrangement, you can probably claim the entire cost as an operating expense (just check with your accountant about your business situation).

Yes, we do run credit checks on our applicants but the result of our Affordability Assessment is a bigger factor than your credit history.

The most important thing you can do to help your application is to be totally honest. As long as you can provide the documentation (like bank statements) to show you can afford the weekly/fortnightly repayments, your application can be approved.

Please take note that an application with Alpha Finance will not impact your credit rating at all.

Yes, there are upfront payments but they are a lot lower than lenders and we don’t charge any establishment, approval, or processing fees. We have a very simple approach to upfront deposits: $290, $490, and $990 depending on the size and model of your vehicle. We’re not like other lenders who require you to fund the first 20% of total cost up front.

Check out the full range of cars currently available in our fleet. If you can’t find the car you really want, just lets us know and we can try and source once especially for you.

We most definitely do, we always want everyone to save money so we often offer promos. Check out our Specials page regularly to see the fantastic deals available to you.

Alpha Finance Blog

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