Car finance through AYA Automotive is the standard route for most buyers — a secured loan from one of our panel lenders, paid back over an agreed term, with the car you're buying as security on the loan. It's the option most people use when their credit is reasonable and they want a straightforward repayment structure. We arrange it on site, so you can sort the car and the finance in the same conversation.
The approval process
It starts with a short conversation about your situation — what you earn, what your expenses look like, what you're comfortable paying per fortnight or month. We put together an application and submit it to the lenders on our panel most likely to approve it. Because we know the lenders' appetite for different profiles, we don't fire the application at everyone and hope — we target it, which keeps unnecessary enquiries off your credit file. Most approvals come back the same day, and a good share within an hour, so you're not waiting days to know whether you can buy the car.
What documents you need
To get an application away cleanly, bring your driver's licence, two recent payslips (or, if you're self-employed, your last BAS and a notice of assessment), and a recent bank statement showing your main account activity. If you're trading in a vehicle, the registration papers and any finance payout letter for that car help too. Having these ready when you come in means we can submit the same day and you're not making a second trip to bring paperwork. We'll tell you upfront exactly what's needed for your situation — it varies a little depending on the lender.
Finance options available
The most common structure is a secured loan over three to five years with fixed repayments, but it's not the only one. Shorter terms mean higher repayments but less interest overall. Longer terms lower the regular payment but cost more across the life of the loan. A balloon (a larger final payment) can bring the regular repayment down if cash flow is the priority. We'll walk you through the numbers for each option on the actual car you're looking at, so you can see the repayment, the term, and the total cost side by side before you sign.