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Alpha Finance / Why us

Why borrowers choose Alpha Finance.

A fairer path to car finance for Australians the banks have already turned away. Here is how we are different.

Apply nowSee our car loans
Woman looking into a practical blue SUV at a dealership

What sets us apart

  1. 01

    Whole-picture assessment

    We weigh your income and stability, not just a credit score that does not tell your full story.

  2. 02

    Built for a second chance

    We specialise in borrowers the banks have already turned away, and we lend responsibly.

  3. 03

    Real human decisions

    A person reviews every application, often with an answer within one business day.

  4. 04

    Clear, upfront costs

    We explain the rate, the fees and the repayments before you commit. No surprises.

Your application, explained

Support through your application

We assess your current income, expenses and credit history. We explain the documents we need, the decision and your next steps. You can review your approved amount, rate, fees and repayments before you sign.

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Loan specialist reviewing a document beside a laptop

How we compare

The difference between a lender that judges your past and one that backs your future.

Considers bad credit and past defaults

Alpha Finance
Whole-picture assessment
Other lenders
No

Soft check with no credit score impact

Alpha Finance
Yes
Other lenders
No

We assess your application based on your current circumstances.

Alpha Finance
Yes
Other lenders
No

Decision often within one business day

Alpha Finance
Yes
Other lenders
Often longer

Available Australia-wide

Alpha Finance
Yes
Other lenders
Yes

Costs explained upfront

Alpha Finance
Yes
Other lenders
Sometimes buried in the contract

See what you could borrow.

Apply online in a few minutes. It will not affect your credit score.

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