Pay less for the same car loan.
Agent Finance is Australia's lowest-cost car finance broker. We search 40+ lenders to find you the best rate, for a flat fee of $599 — no commissions, no hidden costs.
See how much we can save you on your car loan
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Car Loan Broker Fee Comparison
| Loan Amount | Traditional Broker | Agent Finance | You Save |
|---|---|---|---|
| $20,000 | $990–$1,000 | $599 | Up to $401 |
| $30,000 | $990–$1,500 | $599 | Up to $901 |
| $40,000 | $1,200–$2,000 | $599 | Up to $1,401 |
| $50,000 | $1,500–$2,500 | $599 | Up to $1,901 |
| $75,000 | $2,250–$3,750 | $599 | Up to $3,151 |
How it works
One conversation. We support you from first quote to funds in the bank.
Tell us about your car and budget
Chat with our AI broker — it takes a few minutes. No paperwork upfront, no impact on your credit score.
Review your best loan options
We match your profile against 40+ lenders and present your top options. You choose the loan that works best for you.
We handle everything through to settlement
Lender questions, document collection, final approval, funds to the seller. One conversation from start to finish.
We protect your credit score
Every time you apply for a car loan, the lender runs a credit check — and that check leaves a mark on your file. Apply to several lenders and those marks add up, which can lower your score and make it harder to get approved.
We start with a soft credit check. That means we see your real credit position — the same information lenders see — without leaving any mark on your file. From there, our AI matches you to the lenders most likely to approve you, so when we do apply, it counts.
Learn how we protect your scoreWhy your loan costs less
$599
Agent Finance
$2,000+
Traditional Broker
Same lenders. Same loan. Less cost.
Traditional car finance brokers charge 3–5% commission on every loan, paid by the lender but passed on to you through higher interest rates. On a $50,000 loan, that's around $2,000 in costs most people never see.
We replaced the expensive parts of broking with AI. The lender search, the paperwork, the back-and-forth — our technology handles it in seconds. A licensed human broker still reviews every deal before it's submitted. Same safeguard, fraction of the cost.
Car Finance for Every Situation
Self-Employed
Car finance without the income verification headaches
Bad Credit
Options when traditional lenders say no
First Car
First-time buyer guidance and competitive rates
Uber/Gig Workers
Finance designed for variable income
EV Buyers
Electric vehicle financing specialists
Used Cars
Competitive rates on used and pre-owned vehicles
I've worked inside Australia's largest car finance brokers. The service is genuine — but it takes a lot of people, a lot of process, and that cost gets passed to you in ways most people never see. I built Agent Finance to deliver the same quality with AI doing the heavy lifting, so you don't have to pay for the overheads.
Same work, same fee
A $20,000 loan and an $80,000 loan take the same amount of work to arrange. So we charge the same amount. $599, regardless of loan size.
Genuinely lender agnostic
We don’t earn more for recommending one lender over another. Our fee is the same no matter who you end up with — so the best loan for you is always the right answer for us.
Everyone gets the same service
Because AI handles the process, we don’t have to choose who’s worth our time. Whether your loan is $15,000 or $150,000, whether you’re just browsing or ready to buy — you get the same service. No cherry-picking.
Transparency isn’t a slogan
Our fee is published. Our process is explained. If we can’t help you, we’ll tell you why and what your options are. No black boxes, no surprises.
