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Car Finance *Eligibility in 60 seconds

*Eligibility is indicative of the applicant confirming they can meet the basic criteria and eligibility to proceed with an application for a vehicle lease or rental.
Am I eligible? Find out now
Previously applied? Pick up where you left off.

Choose from over 1000 vehicles nationally!

With some of the most popular vehicles in Australia our car finance option provides an alternative to a standard car loan, you can even get finance if you have bad credit.

You’ll pay: $490 deposit and from $199 per week*
as one fixed weekly payment 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 can help you get finance for a late model car

We offer car finance and rent to own  for all of the following big name manufacturers below. Choose from cars that are going to go the distance:

Find out why Alpha Car Finance is one of Australia’s Favourite Car Loan Alternatives

Apply now and find out what you can afford!

Why Choose Alpha Finance?

Bad Credit Accepted

We don’t believe good people should be penalised so we offer great options for bad credit car finance.

Fast Approval

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

Option to own or upgrade

Similar to rent to own, you have the option to purchase or upgrade at the end of your lease.

Cars on the ground

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

Drive Away!

Complete the final paperwork, pick up your keys and drive off into the sunset in your new car!

Easy low deposits

Short on cash? It’s not a problem with our low upfront payments.

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 car 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 payment (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 those 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 three 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 can 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 (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 more significant factor than your credit history.

The most important thing you can do to help your application is, to be 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 straightforward approach to upfront deposits: $490-$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 vehicles for leasing currently available in our fleet.

We most definitely do, we always want everyone to save money so we often offer regular promotions. Be sure to ask our car finance specialists once you select your vehicle and complete your application.

Car Finance with Alpha Finance


Apply online

Complete the simple form and get pre-approved in 60 seconds.


Choose your car

Choose from our great range of late-model vehicles for finance that fall into your approved payment budget.


Drive away!

Complete the final paperwork, pick up your keys and drive off into the sunset in your new car!