Answer 5 quick questions to check your likelihood of approval — free, instant, and no credit check required. Takes under 60 seconds.
Select the option that best describes your business.
The total cost of the equipment, vehicle, or asset you want to finance.
Be honest — this helps us give an accurate indication. This is NOT a credit check.
A deposit improves your chances, but many lenders offer zero-deposit options.
Different asset types have different approval criteria and lender appetite.
Yes — many Australians with imperfect credit records are approved for asset finance every day. The key is matching your application to the right lender. Mainstream banks have strict credit criteria, but a network of specialist and non-bank lenders assess applications differently — focusing on your income, the asset's value, and your ability to service the loan, rather than relying purely on your credit score.
Common situations that specialist lenders work with include: defaults listed on your credit file (paid or unpaid), late payment history, previous bankruptcy (discharged), Part IX debt agreements (completed), and low credit scores from limited credit history. If any of these apply to you, it doesn't automatically mean a decline — it means you need a broker who works with the right panel of lenders.
The pre-qualification check above is still a useful starting point. If your result indicates a more complex scenario, our brokers have access to specialist lenders who regularly approve applicants that banks turn away. No credit check is performed during the pre-qualification process, so there is zero risk to your credit file from completing the assessment above.
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