Your Finance Questions | FAQ's

The answers to frequently asked finance questions.

When considering financing a vehicle there may be a number of finance questions that you may have.  If you can't answer all your finance questions here please don't hesitate to contact us.  Our friendly and experienced AAA staff will be able to answer all of your finance questions.  Call today or enquire online.

Q. How do I apply for finance?

A. It’s easy! Either give one of our experienced staff a call on (07) 5493 1222.  Or complete the Quick Loan Enquiry form.  You can even get a pre-approved loan.

Q. What happens after I apply for finance?

A. We will get you the best deal from our range of lenders. We then contact you, discuss the details, request any supporting documentation required by the lender (such as payslips, drivers license) and proceed to finalise your loan application.

Q. What happens after my finance is approved?

A. We will contact you to get your finance documents signed and we arrange payment of your vehicle. You are then able to collect your new purchase!

Q. Can AAA Finance and Insurance get me the best interest rate available?

A. Yes. We have a broad range of lenders and present your application to those that will be best suited to your individual circumstances ensuring that you get the most competitive interest rate available for you.

Q. How long will it take to get my loan approved?

A. Most loans are approved within 24 hours.

Q. Can I get a loan if I want to buy a vehicle privately?

A. Yes. We arrange loans for new and used vehicles purchased from private individuals or dealers.

Q. Can I get a pre approved loan before I find a vehicle?

A. Yes. Pre approved loans are a great way to ensure that you know your budget and future repayments before deciding on a vehicle. It can also help you negotiate a better deal!

Q. I am self employed. Can I still get a loan?

A. Yes. We are very experienced in arranging No Doc Loans and Low Doc Loans for those who are self employed.

Q. I have a bad credit rating. Can I still get a loan?

A. Yes. AAA Finance and Insurance will work hard for you to ensure the best loan outcome. We have specialist lenders that can help you get a loan and improve your credit rating.

Q. Are my details and privacy protected?

A. Yes. Our privacy policy ensures that we will use your information ONLY to get your loan approved.

Q. What term can my loan be spread over?

A. We finance loans from 1 to 7 years.

Q. What documents will I need to get a loan?

A. You will need to provide documents that prove who you are and where you live (drivers license, passport, birth certificate, rates notice, rental agreement) and confirm employment and salary (pay slips, bank statements).

Q. What is a balloon payment?

A. A balloon payment is a lump sum payment usually paid at the end of the loan term. It reduces the repayment figure throughout the term of the loan. Not all of the principle of the loan is paid off during the loan resulting in a balloon payment at the end the loan term. The balloon amount can either be paid off in full at the end of the loan or refinanced.

Q. Are there any loan application costs?

A. There are no costs to apply for a loan.
Once your loan is approved there is a one off broker fee to cover our costs. This cost is incorporated into your loan repayments.

Q. What are my chances of getting a loan?

A. Finance companies take into consideration your credit history, deposit amount, assets and liabilities, work history and salary. Our experienced staff will ask you questions regarding your individual circumstances and finance history.  We will work hard to ensure that you get a loan approval with the best possible terms.

Q. Where is AAA Finance and Insurance located?

We have offices located on the Sunshine Coast, Brisbane, Hervey Bay and Rockhampton.  We service South East Queensland and beyond.

Q. How do I get a car loan?

Call one of experienced car loan experts for an easy 5 minute car loan application.  Most loans are approved within 24 hours.

Finance Questions | FAQ's

Do you have more finance questions?

If you have any more finance questions please don’t hesitate to call our experienced AAA Finance and Insurance Experts on (07) 5493 1222.


Complete our Contact Us form.  Please ask your finance questions and one of experience and friendly staff will contact you shortly.

Tammy Davies
Tammy Davies
27 April 2024
Excellent service provided from start to finish, Jaime kept us informed through each step. Would highly recommend. Very easy to deal with, having financed with car dealers many times, this was a seamless process and AAA ensured they secured the best deal for us.
David Marjoribanks
David Marjoribanks
17 April 2024
Jason Barry and the team at AAA Finance were great throughout what became a complex process in arranging settlement on finance for a vehicle. Jason’s continued efforts to resolve some unexpected issues and constant follow up ensured the finance settled. Without his great work it could easily have fallen over. Even the fleet company who sold the vehicle to me were singing his praises ! Thanks Jason. Will be using Jason and AAA Finance on my next purchase for sure !
Deborah Gibson-Campbell
Deborah Gibson-Campbell
2 April 2024
Exceptional service by Jason yet again. I have been engaging Jason for many years now, whenever I have used financial services for purchases and he has always obtained a great loan package for myself.
Samantha Holder
Samantha Holder
2 April 2024
Big thanks to Jason Barry at AAA Finance! From beginning to end, Jase ensured that purchasing our 2021 Jayco Work N Play was smooth and hassle-free. Even though we initially received approval with a higher interest rate, he persevered and secured a much better rate for us. He maintained excellent communication throughout the entire process. I highly recommend Jason to anyone. Thank you Jase for your outstanding service!!
Jemma Pudwell
Jemma Pudwell
15 February 2024
We have used Jase from AAA Finance twice in the last 12 months, and he has been great to deal with. Communication was great, he was very proactive especially if anything may come up and were very quick in getting it all sorted in the best possible way to suite our situation. Highly recommend and will use Jase again in the future.
Ryan Smith
Ryan Smith
14 February 2024
Just finished my process with Ray from AAA finance. The man is unbelievably genuine and taught me so much throughout the process. This wasn't just about securing my finance and Ray showed that through immaculate service. Ray has educated me and shed light onto future projects only confirming where I'll be taking my business in the future. Absolutely phenomenal and wouldn't even consider using anyone else. Thanks again Ray!
Wayne Roby
Wayne Roby
29 January 2024
AAA were awesome at helping me out of a tight situation (and with bad credit file) ! they were friendly and quick to respond. i would highly recommend them
23 January 2024
Jason was professional, organised and very helpful in regards to the loan for camper van. I am very grateful to have spoken to someone who managed the process so easily, flexibly and was able to provide solutions. Thank you
Emily Dimitriou
Emily Dimitriou
10 December 2023
Jason has been absolutely wonderful to deal with and we couldnt be happier with his service. Top notch 😊
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