With offices in Rockhampton, Mackay and Bundaberg, we are locals just like you. We specialise in loans for Cars, Boats, Caravans and Motorbikes. All sorts of loans, all sorts of credit ratings, we are here to listen and help - no waiting on hold, no waiting in line.
Get a Quote, apply on-line, request a call back, call now or come and see us at one of our offices - it's totally your choice.
Easy Application - Here's How
Choose a way to apply that suits you best.You can do the whole application over the phone with one of our local staff. The person you apply with is the same person you deal with through the whole loan process - you will even get their direct line, mobile and email address!Fill in a few quick details and we will call you. The person that calls you back will be the same person you deal with through the whole loan process - you will even get their direct line, mobile and email address!
Supply Supporting Documents To Us
We will tell you after your application what documents we need to assess your application. Some of the standard documents are listed below:We usually need your latest 3 months bank statements for your active bank accounts. Why? It is a great way to get a feel for your current financial situation and helps us make a quick assessment of your loan application. You can easily send them to us using this Statement Portal.
Sometimes we will require other documents, if this is the case we will tell you during the application all the documents we require to assess your application and why.
We Assess Your Loan
Once we have all your supporting documents we assess your loan immediately. It usually takes between 2 and 24 hours.
If you're Approved we will call you to advise straight away and also send you an email with a summary of the approval in writing.
If we need more information or we can't help you right now, we will advise why and what can be done to make the outcome positive in the future.
Signing Documents and Funding The Loan
Once an Approval is all finalised we need to sign loan documents with you.
Whilst we can help in some cases by completing these over email we usually like to take the time to sit with you and explain the contracts in full so we can answer any questions you may have.
We can come to you or you can come to our office. Once signed and accepted, the loan funds are transferred to their designated places and your loan is settled.
Astute Motor Finance prides itself on being an honest and reputable Lender and we strictly adhere to all required Government legislation including Responsible Lending Practices (NCCP), Privacy Regulations and Anti Money Laundering.
We have made the loan process as simple as we possibly can and strive to offer good old fashion service and values whilst meeting the stringent regulations put in place to protect consumers. Our aim is to make sure at no point you are left wondering what stage we are up to with your application and that you are fully informed of your applications progress along the way.
We make ourselves available whenever you require during the process and unlike banks or large organisations we don't hide behind call centres and reception desks. You will speak to the same person from start to finish - and even after your loan is complete.
In most cases an application can be fully completed and funded in 24 - 48 hours, however the amount of time taken for the legally required employment and residence checks to be returned to us can cause slight delays - If this is the case we will inform you immediately.
On some occasions if we take your application in the morning we can have it finalised in the same day, if all the required supporting documentation are supplied at the time of application.
Please note: We are not a pay-day or short term lender and only offer loans for terms greater than 12 months and for values greater than $3000.
With offices in Rockhampton, Mackay and Bundaberg, we are locals just like you. We consider all types of Consumer and Commercial loans and specialise in loans for Cars, Boats, Caravans and Motorbikes.
Astute Motor Finance help with all types of loans, all sorts of credit ratings - we are here to listen and help with no waiting on hold and no waiting in line.
Astute Motor Finance is a decision based lender. We don’t use scores, modelling or statistics to make a decision, rather we use good old fashion conversation, bank statements, current or previous loan statements and a thorough understanding of your past and present to make an informed decision.
If we can’t help straight away we work out a plan with you to ensure we can help in the near future.
Apply on-line, request a call back, call now or come and see us at one of our offices - it's totally your choice.
We make all decisions locally. Once we have your supporting documents we can have an approval for you super fast!
Being flexible with our terms and structure means you pay off a loan sooner and save on interest.
Not sure if you will get approved? A bit worried about something that has happened in the past? We're here to help not judge.
The PPSR Register is a database with information about every car in Australia. By doing a quick PPSR check prior to making a purchase of a private sale car, you can find out information such as :
• the basic vehicle information (Make, Model, Colour etc)
• if there is any money owing on the car still
• if the vehicle has been recorded as stolen
• if the vehicle has been recorded as a write-off
With the recent hail storms around Queensland there are quite a lot of ‘repairable write-offs’ being sold as well, which may have only had some cosmetic damage that has no been fixed but it is forever marked on the PPSR register as a write-off and it seriously diminishes the saleability and value of the car.
There is no need to complete a PPSR check on a vehicle being purchased from a Licensed Motor Dealer as they have to provide you with a clear search as part of their sale conditions.
ASTUTE will automatically do a PPSR check for you before you purchase a private sale car, so you can buy with confidence and make sure you are getting what you pay for. It’s all a part of the service!