Car loans $10,000 to $25,000
The banks stopped at your credit score. We don't.
Alpha Finance lends to Australians rebuilding after defaults, thin files and knock-backs. Apply in about five minutes and we will explain your next steps, usually within one business day.
Your estimated repayment
$73.52/week
$10,000 over 5 years at 19.95% p.a., shown as weekly repayments.
An estimate at 19.95% p.a., not an offer of finance. Includes a combined $1,020.00 application and PPSR search fee and a $28.00 monthly admin fee. Your rate is confirmed in writing before you sign. Using the calculator has no effect on your credit score.
The loan, in plain numbers
- Up to $25k
- Car loans from $10,000
- 3 to 5years
- Fixed-rate terms
- 1business day
- Typical wait for an answer
Why Australians choose Alpha Finance for car loans
A credit score is one part of the picture. We consider the information in your application and give you a clear next step.
Your whole application counts
We assess your current income, expenses, debts and credit history together. Past credit problems do not automatically rule you out. Your application receives a full assessment based on your circumstances today.
- We assess your application
Alpha Finance is a direct lender. We assess your application and contact you if more information is needed. You deal with Alpha from application to settlement.
- A soft check when you apply
The initial soft credit check does not affect your credit score. If you choose to proceed, we complete a full credit assessment.
- Apply online from anywhere in Australia
Apply online across Australia and choose an eligible car from a licensed dealer. There is no need to visit an Alpha branch.
- Know every cost before you sign
Review your approved amount, fixed interest rate, fees and weekly or fortnightly repayments in writing before you sign.
How an Alpha Finance car loan works
Five steps from applying to driving away.
Apply online
Tell us about your income and expenses. It takes about five minutes.
Verify your details
Confirm your ID with APLYiD. Share bank statements with CreditSense. Allow about ten minutes.
We assess your application
We review your full situation, not just your credit score, and usually respond within one business day.
Approval and paperwork
If approved, you receive your loan amount, fixed rate, fees and repayments in writing.
Choose your car and drive
Choose a car from any licensed Australian dealer. We pay the dealer, and you drive away.
We pay the dealer directly
Once your loan settles we pay the dealership for the car. You never handle the loan money, and there is nothing to transfer.
Everything in writing first
Your approved amount, fixed rate, repayments and fees are set out in writing before you sign anything.
A credit score is a snapshot, not your whole story
A default from three years ago says nothing about the job you hold today or the rent you have never missed. We read the whole file, ask what has changed, and lend on where you are now.
What our customers say
Real reviews from Australians we have helped get into a car.
Verified reviews from Google.
Jayda
Verified customer Google review
I chose Alpha Finance for my first ever Car Loan & I could not have been happier. I was lucky enough to have been working with Saul, and he truly made the entire process clear, honest & supported. If I was to recommend a company to anybody shopping around for the right one, I'd definitely recommend this one. Thanks to Saul & the team I achieved the car I wanted & he went above measure to make sure I could. 10/10!
Jake Harwood
Verified customer Google review
Quick response and amazing service 10/10! Applied for finance on Thursday arvo, was driving my new car Monday morning. Would recommend to anyone from people on Centrelink to casual or full time employment. Absolutely amazing!
Tristan Makiri
Verified customer Google review
Absolutely amazing customer support and care! When I thought I had no other options to get a car loan approved swiftly, the Alpha Finance team made sure I was able to get a car. I would like to say a special thank you to team member SAUL, who sorted me out from start to finish, all within 2 days I had my car. You took great care of me Saul, I can't thank you enough.
Faasisila Tuipala
Verified customer Google review
Alpha Finance has been a great help to me and my family. Thank you very much for your service, your kindness, and for easing our burden.
Benita Waigana
Verified customer Google review
Since I've applied for my car loan through Alpha Finance I've had nothing but the best customer service experience. Daniel has been helping me every step of the way, he goes above and beyond to help in every way, and he is always easy to contact. Definitely recommend speaking to him and going with the company, you definitely won't regret it.
Because Good Business Gives Back
At Alpha Finance, we're committed to supporting communities beyond financial solutions. That's why we proudly partner with charitable organisations that make a meaningful difference both locally and internationally.
We believe in supporting organisations that provide vital services to those who need them most, particularly programs that help young people build resilience and navigate life's challenges. Through these partnerships, we aim to contribute to stronger, more supportive communities where everyone has the opportunity to thrive.
Ready when you are
Find out where you stand
Apply online in about five minutes. We review your application and explain the next steps, usually within one business day.