Branded Financial Car Loan Review

Branded Financial Services is a non-bank lender that can facilitate loans for most types of credit quality applicants. However, they are unlikely to be your lowest rate finance option if you’ve got a strong credit rating.

Best for

All types of credit quality applicants and businesses - Branded can accept top quality customers as well as those with impaired credit

Brand new ABN businesses looking for a vehicle loan - Branded is one of the few lenders that offer loans to brand new businesses

Draw backs

Even for low doc commercial applications, 3 months of business bank statements will very likely be required

Branded Financial Overview

Branded Financial Services is a non-bank vehicle finance company that offers a range of financial products and services across Australia and New Zealand. They provide both consumer, commercial and asset loans, as well as finance leases and novated leases. 

They are a great option for applicants with impaired credit scores, as they accept applicants of all different types of credit quality. However, this also means that if you have a high credit score and an unimpaired credit history, you could likely obtain a better rate with a different lender.

How to apply for a Branded Financial Services loan

Branded Financial is a non-bank lender and is reliant on brokers for the origination of their loans, which means in order to apply for a consumer or commercial car loan you’ll probably need to apply through a broker. 

To apply for car finance products with Branded Financial, you’ll also need to be at least 18 years old and an Australian citizen or permanent resident. 

Your credit score is less important to Branded Financial than it is to other lenders, so even if you have a poor credit history or are a high risk customer, car finance options may still be available to you.

See if you qualify for a Branded Financial loan in minutes

Find my rates
Fixed rates from:


Loan amounts:

$5,000 to $100,000

Loan terms:

1 to 5 years

Loan types:

Secured and unsecured

Min. income:




  • Establishment fee: $395
  • Monthly: $5.50
  • Early termination charges: Depends on exit point
  • Brokerage up to $990

Big no-no's (automatic declines)

If you’re wanting to use your car for Uber or other rideshare companies

If you’re not an Australian citizen or permanent resident

Driva tip:

If you’re a brand new ABN, this may be a good option for you - however a 30-40% deposit may be required

Branded Financial - Frequently Asked Questions