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.

John Shanahan
John Shanahan
3 May 2023
We worked with Jason to arrange finance for our Austrack van. Jason's service, knowledge and understanding was fantastic. Great outcome and can't wait to get into our van! Thanks Jase.
Robbie Amhaz
Robbie Amhaz
10 March 2023
I Have been with AAA for many years now and they have always been my go too broker for personal loans. Peter & Jason always go the extra mile for me as a client and their rates & fees are competitive. We recently purchased a brand-new car and AAA got us the loan we wanted and at the right interest rate. Excellent service and industry knowledge. Thanks Again Robbie Amhaz
Paul Mansell
Paul Mansell
18 August 2022
These guys go above and beyond. I would recommend them to anyone.
Wayne Jones
Wayne Jones
27 July 2022
Warwick provided a very simple platform to execute our business with him,nothing was a issue and he was very prompt getting back to us or returning calls,highly recommend AAA Finance
11 July 2022
The team at AAA made the finance application process incredibly smooth and stress-free, handling all of the otherwise difficult paperwork with the lender and seller. We have used them multiple times now and have never been disappointed!
Lyndon D
Lyndon D
9 December 2021
We had Jaime as our broker and wow! She did such a great job. 10/10 customer service! Answered every question, gave us all the advice we needed. Can’t fault anything at all. Thank you Jaime !
Bianca Bloomfield
Bianca Bloomfield
9 November 2021
These guys were fantastic ! - Jaime was prompt, professional and kept me in the loop while the finance boxs were ticked in the background. This was all done very quickly and they were super competitive in the market, which was awesome, when there was additional requirements she was straight on the phone-Highly recommend !!
Larna Kerswell
Larna Kerswell
14 October 2021
Warwick at AAA Finance was so easy and great to deal with. He was patient and helpful with us every step of the way. We would recommend them to anyone looking around for finance. Thank you so mauch Warwick and AAA Finance.
Donna Joy
Donna Joy
23 September 2021
I was very happy with the excellent service given by Sam Sharpe. He was helpful, polite and easy to understand. Thanks Sam 😃
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