We help thousands of Australians who've had applications declined by other lenders.
Most companies ask for 15% to even 20% upfront. With Alpha, you can drive away with a deposit as cheap as $290.
Everybody has different payday schedules so we give you options to pay weekly, fortnightly, or even monthly.
Our cars include rego & insurance with optional extras for a one-stop-shop for all your car needs.
Your time is precious so we ensure processing in as fast as 2 hours. Just send us your documents & we'll do the rest.
Near the end of your lease term, you can either opt to own the vehicle or choose to upgrade to newer model.
A car loan is when you approach a bank or a lender and ask them for an amount of money for which you sign a contract where you promise to pay them back the money plus interest. The vehicle you purchase is then yours from the moment the keys are handed to you.
Rent-to-own, on the other hand, is when you approach a leasing company and they provide you a vehicle for rent over a period of time. The monthly dues are much cheaper compared to car loans, but the ownership of the car will only be considered for transfer to the buyer once the contract has ended.
From an accounting point of view this makes a huge difference - and therefore is really important to anyone considering their car as a business/tax-deductible expense. Loan is considered on the balance sheets as a liability and the car is is an asset. The only tax deductible part of this is depreciation. With a rent-to-own vehicle, 100% of the cost is considered an expense and therefore 100% tax deductible.
In order for us to do business, you must be at least 21 years old, an Australian citizen or approved resident, with a non-learner’s driver’s license.
We believe in giving every Australian a chance to drive away in his very own car. So, if you have bad credit, you are still welcome to apply as long as you hold proof that you are earning at least $35,000 annually.
If you are setting up a new business, we can help as soon as the ABN is more than three months old and are able to show income (whether business or personal) sufficient to cover the lease/rent costs, after your living costs have been deducted.
We offer our clients a variety of vehicles for various purposes. We have compact cars for city dwellers who need a way to get around the city, SUVs and minivans for those with a larger family, as well as utes for those looking to expand their business with vehicles.
Each car is a reliable late model vehicle that is guaranteed to get the job done each time you take the driver’s seat.
Yes. We offer payment plans that can be accomplished in three, four, or five years depending on your financial situation and which plan you are most comfortable with.
Yes. Use your vehicle to earn payments for it and put bread on your table - as long as you meet the requirements set down by Uber or other ride-share providers. But before you do, please make arrangements with our financing manager in order to talk about any additional costs it may incur.
Depending on the terms you talked about with our financing team, roadside assistance and maintenance/servicing (including tyres) can be bundled into your weekly or fortnightly repayments.
Because we can schedule these payments to line up with your salary/income cycle, budgeting become a breeze. All you need to worry about is one simple regular payment - no surprises!
You could be one of them
Love my new car
Thank you so much to the guys at Alpha finance! You made it so quick and easy and stress free! Thanks for making the process so simple and understanding totally recommending it to all my family and friends! Cheers!
Great service, great team!
Would like to say a huge thanks to Nigel on finding us the exact car we wanted, the service was fantastic and nothing was to hard! Matthew in the contracts department was a huge help and found all the answers we needed right away.
-Ash and Grant
Great and fast service
If I can I recommend Alpha car finance to all my friends and family I would . Im very happy with them. The team very helpful and understanding when my finance situation change they help me to downgrade to get a cheaper car that match my budget.
Alpha is amazing! Had a few issues however the staff at alpha always went over and beyond. Always managed to make me feel like im always right when i was wrong!! Always wanting to help and always on top of my account!
Fast and easy. Great Service
Couldnt believe how quick and easy it was getting my new vehicle was through alpha finance. Will definitely be using again in the future.