Automotive Finance is an Australian vehicle finance provider (Allied Retail Finance Pty Ltd trading as Automotive Finance) that offers fixed-rate car loans and related automotive financing solutions through dealerships and partner brands.
Automotive Finance is a specialist auto lender operating in Australia, with credit provided by Allied Retail Finance Pty Ltd trading as Automotive Finance. The company focuses on consumer vehicle finance, offering fixed-rate car loans with set terms and repayments, and in some cases balloon (lump-sum) payments at the end of the loan. Its products are typically accessed via car dealerships and branded finance programs for automotive manufacturers and distributors across Australia.([automotive-finance.com.au](https://www.automotive-finance.com.au/wp-content/uploads/2022/04/AMO-Target-Market-Determination.pdf?utm_source=openai))
A charge from “AUTOMOTIVE FINANCE 1300981295” on a card or bank statement is most likely a repayment, fee, or other transaction associated with a vehicle loan administered by Automotive Finance. This could include your regular direct-debit repayment, establishment or early payout fees, or other contracted charges linked to an existing loan or a recently settled finance agreement. In some cases, you may also see a small test or one-off charge when setting up or changing your payment details, or when a dealer processes your finance contract for the first time.
If you’re unsure about a charge, the best approach is to contact Automotive Finance directly using the phone number or email address on your loan documents or the contact page of their website, and cross-check the amount and date against your loan schedule and any recent correspondence. You can also log into any online account or portal provided by Automotive Finance, or request a transaction history or payout figure to verify the charge. If there is still a dispute, you can escalate through Automotive Finance’s internal complaints process and, if required, to the Australian Financial Complaints Authority (AFCA), whose details are listed in their credit guides and privacy policies.([automotive-finance.com.au](https://automotive-finance.com.au/contact-us/?utm_source=openai))
Bank Statement Variations
1 known variations
These are the raw merchant codes that appear on bank and credit card statements that we've identified as belonging to Automotive Finance.
Why do I see a charge from AUTOMOTIVE FINANCE 1300981295 on my statement?
This descriptor generally refers to Allied Retail Finance Pty Ltd trading as Automotive Finance. The charge is usually a scheduled repayment, fee, or other transaction related to a car loan or vehicle finance contract you have with Automotive Finance, often arranged through a dealership or branded finance program. Check your loan agreement and payment schedule to see if the amount and date match a due repayment or fee.
What kinds of products does Automotive Finance offer and how do they affect my billing?
Automotive Finance primarily offers fixed-rate vehicle loans, sometimes with optional balloon payments at the end of the term. Depending on your contract, you may be billed fortnightly or monthly for regular repayments, and you might incur additional fees for early payout, contract variations, or late payments. Your credit contract and loan schedule set out all expected charges, including any balloon amount due at term end.([automotive-finance.com.au](https://www.automotive-finance.com.au/wp-content/uploads/2022/04/AMO-Target-Market-Determination.pdf?utm_source=openai))
How can I confirm whether this Automotive Finance charge is legitimate?
First, compare the charge date and amount to your Automotive Finance repayment schedule or payout quote. Then, log into any online portal or review emails and letters from Automotive Finance for recent activity, such as a change in repayment frequency or a fee notice. If you still aren’t sure, call 1300 981 295 or email enquiries@automotive-finance.com.au and ask them to confirm the transaction against your account number.([automotive-finance.com.au](https://automotive-finance.com.au/contact-us/?utm_source=openai))
How do I change my repayment date or direct debit details with Automotive Finance?
To change your repayment date, bank account, or card details, contact Automotive Finance’s customer solutions team using the contact information on your contract or at automotive-finance.com.au. They may require a new direct debit authority or written confirmation, and changes usually need to be requested a few business days before the next scheduled debit to take effect for that cycle.([automotive-finance.com.au](https://automotive-finance.com.au/contact-us/?utm_source=openai))
How do I pay out my Automotive Finance loan early, and will there be extra charges?
You can request a payout figure by contacting Automotive Finance directly. The payout will include the outstanding principal, any accrued interest to the chosen payout date, and any applicable early termination or administrative fees as outlined in your credit contract. Because their products are typically fixed-rate with fixed terms, paying out early can attract additional fees, so always obtain a written payout quote before making a lump-sum payment.([automotive-finance.com.au](https://www.automotive-finance.com.au/wp-content/uploads/2022/04/AMO-Target-Market-Determination.pdf?utm_source=openai))
What should I do if a scheduled Automotive Finance repayment was missed or dishonoured?
If a direct debit is dishonoured, you may incur a fee under your contract and your account could fall into arrears. Contact Automotive Finance as soon as possible to make a catch-up payment and discuss whether a short-term repayment arrangement is available. If you’re experiencing longer-term financial difficulty, they have hardship processes that may allow temporary variations or assistance based on your circumstances.([automotive-finance.com.au](https://automotive-finance.com.au/contact-us/?utm_source=openai))
How can I request a refund or dispute a fee with Automotive Finance?
Start by calling or emailing Automotive Finance with your account number, details of the transaction, and why you believe it is incorrect. They will investigate and may request supporting documents such as bank statements or correspondence. If you are not satisfied with the outcome of their internal review, you can lodge a complaint with AFCA (Australian Financial Complaints Authority), whose contact details are provided in their credit guides and privacy policy.([static1.squarespace.com](https://static1.squarespace.com/static/64dc40f87db91e04fb6e62ca/t/64dee9796db42c338243dffc/1692330362092/AAF_Credit_Guide%2B%283%29.pdf?utm_source=openai))
How do I contact Automotive Finance about my account or a suspicious charge?
You can reach Automotive Finance’s customer solutions team by calling 1300 981 295 or emailing enquiries@automotive-finance.com.au, as listed on their official website and disclosure documents. Have your full name, account or contract number, and recent statement details ready so they can quickly locate your file and confirm any transactions.([automotive-finance.com.au](https://automotive-finance.com.au/contact-us/?utm_source=openai))
This merchant is in the Financial Services category