Last updated: February 2026
About Agent Finance: Australia's AI-Powered Car Finance Broker
Agent Finance is Australia's first AI-powered car finance broker, built to save Australians thousands on car loans. The AI searches 40+ lenders in seconds while charging just $599 flat—compared to the $1,500–$3,000+ traditional brokers charge in commissions.
Founded by Rob Carlile, former senior executive at Australia's largest car finance broker, Agent Finance combines industry expertise with AI efficiency to deliver better outcomes at lower cost.
Founded by an Industry Insider
Rob Carlile brings over two decades of experience in finance and lending to Agent Finance. As a former senior executive at Australia's largest car finance broker, he observed firsthand how the traditional broker model works—and who really pays for it.
The pattern was always the same: customers would call during business hours, leave a message, wait for a callback, play phone tag for days, and eventually get matched to one of the broker's preferred lenders. The broker would earn 3-5% commission on the loan—paid by the lender but ultimately passed on to the customer through higher rates.
On a $50,000 car loan, that's $1,500 to $2,500 in broker fees that most customers never see itemised. They just know their rate seems higher than they expected.
Rob saw how AI could change this equation entirely. An AI agent could be available 24/7, search every lender on the panel fairly, and operate at a fraction of the cost. The savings could be passed directly to customers through a flat fee model.
Rob Carlile
Founder, Agent Finance
Former senior executive at Australia's largest car finance broker. Over two decades of experience in finance and lending.
Why We Built an AI Broker
Traditional brokers aren't bad people—they're working within an expensive system. Running a brokerage requires office space, staff salaries, compliance officers, lead generation, and marketing. Those costs get passed to customers through commission-based pricing.
Always Available
AI doesn't need business hours. Apply at 11pm on a Sunday.
Lenders Searched
Every lender considered fairly—no preferred partners.
Flat Fee
Same price whether you borrow $20K or $150K.
AI eliminates most of that operational cost. Same lenders, same regulations, same regulatory oversight—just a fundamentally different cost structure. We pass those savings directly to you.
Licensed, Regulated, Australian
Australian Credit Licence
Agent Finance operates under an Australian Credit Licence (ACL), the same regulatory framework as major banks and traditional brokers.
ACL Number: 384 704 (Australian Asset Aggregation Pty Ltd)
ASIC Regulated
As an ACL holder, Agent Finance is regulated by the Australian Securities and Investments Commission (ASIC).
Subject to responsible lending obligations
What This Means for You
- Responsible lending: We must ensure any loan is suitable for your circumstances
- Dispute resolution: Access to external dispute resolution through AFCA
- Transparency: Clear disclosure of all fees and commissions
- Professional standards: Licensed brokers review every loan
About Agent Finance — FAQs
Ready to Save on Your Car Loan?
See how much you could save with our $599 flat fee compared to traditional broker commissions.