Automotive Financial Services

Financial Services80% confidence

Automotive Financial Services is an Australian non‑bank lender that provides vehicle and leisure-asset finance, as well as commercial loans for SMEs, under the AFS brand.

Brisbane, Queensland, Australia
afs.com.au
Owned by Solvar Limited

About Automotive Financial Services

Automotive Financial Services (AFS) is an Australian non‑bank lender that specialises in vehicle and leisure-asset finance, as well as commercial loans for small and medium enterprises. Operating since 1988, AFS provides fixed‑rate loans for cars, motorbikes, boats, caravans, camper trailers, light commercial vehicles, and selected business equipment, with typical loan amounts from about $5,000 up to $130,000 and terms generally between 12 and 84 months. They are based at Mezzanine, 310 Ann Street, Brisbane QLD 4000, hold Australian Credit Licence 383 762, and service customers nationally via their Australian‑based lending and customer service teams.([afs.com.au](https://www.afs.com.au/about-us/why-choose-afs?utm_source=openai))

A charge from “Automotive Financial Services”, “AFS”, or similar wording on your bank statement is usually related to a vehicle or asset finance contract you (or a joint applicant, business partner, or authorised representative) have with them. This could be a scheduled loan repayment (weekly, fortnightly, or monthly), a one‑off establishment or broker origination fee that’s been financed as part of the loan (often up to around $990), a direct debit for a commercial asset finance facility, or a fee associated with late or dishonoured payments under your contract. In some cases you may also see a temporary authorisation or test charge when you first set up or update your direct‑debit details, which should drop off once your bank finalises it.([afs.com.au](https://www.afs.com.au/vehicle-finance?utm_source=openai))

If you’re unsure about an AFS charge, first locate your loan contract or welcome email for your Automotive Financial Services account number, repayment schedule, and fee disclosures, and compare the date and amount on your statement with your agreed repayment date and amount. You can contact AFS directly for clarification by calling 1800 688 995 (Australia) Monday to Friday during business hours, or by using the contact form or email addresses listed on afs.com.au (customerservice@afs.com.au for general queries or complaints@afs.com.au for unresolved issues and disputes).([afs.com.au](https://www.afs.com.au/contact-us?utm_source=openai)) If you’re experiencing financial difficulty or believe a charge is incorrect, AFS encourages you to contact their Customer Service or Hardship Team promptly to discuss options, and if you still can’t resolve the issue you may escalate to the Australian Financial Complaints Authority (AFCA) as an external dispute resolution service.([afs.com.au](https://www.afs.com.au/customer-complaints?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 Financial Services.

  1. Australian Financial S Barlon AUS

Frequently Asked Questions

What types of charges from Automotive Financial Services commonly appear on bank statements?

Most commonly, you’ll see your regular AFS loan repayments debited on your agreed schedule (weekly, fortnightly, or monthly) for a vehicle or asset finance contract. You may also see one‑off debits such as establishment or broker origination fees that were financed into your loan, as well as fees linked to late or dishonoured payments if these apply under your contract. Check your credit contract and welcome documentation to see a breakdown of all scheduled repayments and fees attached to your account.([afs.com.au](https://www.afs.com.au/vehicle-finance?utm_source=openai))

How much are typical repayments or fees with Automotive Financial Services?

AFS finances amounts from roughly $5,000 to $130,000 over terms of about 1 to 7 years, so repayment amounts vary based on the loan size, term, interest rate, and fees for your specific contract. They use fixed interest rates and may also include one‑off costs such as a broker origination fee (often up to around $990 including GST) which can be added to the amount financed. To see your exact repayment and fee structure, refer to the Credit Quote, Credit Proposal Disclosure, and loan contract you received when your application was approved.([afs.com.au](https://www.afs.com.au/vehicle-finance?utm_source=openai))

Why am I still being debited by AFS after I paid out or refinanced my loan?

If you see an AFS charge after you believe your loan is finished, it may relate to your final scheduled repayment, residual interest or fees up to the payout date, or a payment that was already in the banking system when the payout was processed. In some cases, automatic debits are not cancelled until all settlement steps are complete and any remaining interest or fees are cleared. Contact AFS with your account number and payout confirmation so they can confirm whether the debit was valid and, if it was taken in error, what refund or adjustment can be made.([afs.com.au](https://www.afs.com.au/customer-complaints?utm_source=openai))

How do I change, pause, or cancel my direct‑debit repayments with Automotive Financial Services?

To change your repayment date or frequency, or to update bank details, contact AFS Customer Service on 1800 688 995 or via the contact form on their website and quote your loan number. If you’re in financial difficulty and need to pause or reduce repayments temporarily, AFS can refer you to their Hardship Team to review options such as revised payment plans. Completely stopping direct debits usually requires that the loan be paid out in full or formally varied, so always confirm in writing what changes have been agreed and when they take effect.([afs.com.au](https://www.afs.com.au/contact-us?utm_source=openai))

How can I request a refund or dispute an Automotive Financial Services charge?

If you believe an AFS debit is incorrect, first contact their Customer Service Team by phone (1800 688 995) or email (customerservice@afs.com.au) with details of the transaction, including date, amount, and the account it was taken from. They will investigate and may escalate the matter to their Complaints Team at complaints@afs.com.au if it cannot be resolved quickly. If, after receiving AFS’s final response, you’re still dissatisfied, you can lodge a complaint with the Australian Financial Complaints Authority (AFCA), which provides independent dispute resolution at no cost to you.([afs.com.au](https://www.afs.com.au/customer-complaints?utm_source=openai))

Why do I see a small or temporary AFS charge on my account that later disappears?

Some banks show temporary authorisation amounts or test transactions when a new direct debit is set up or when payment details are updated for a loan, and these may appear under AFS or Automotive Financial Services. These authorisations are used to verify your account and should drop off automatically once your bank finalises them, leaving only the actual scheduled repayment or fee. If a small authorisation does not reverse within a few business days, contact both your bank and AFS to confirm whether it represents a genuine fee or an error.([afs.com.au](https://www.afs.com.au/vehicle-finance?utm_source=openai))

How do I contact Automotive Financial Services about a mystery charge if I don’t know my loan number?

If you don’t have your loan number handy, gather any information you do have—such as the exact transaction amount, date, the name on the bank account, and any reference shown on your statement—then contact AFS on 1800 688 995 or via the enquiry form on afs.com.au. Their team can search for your account using personal details like full name, date of birth, and address, and confirm whether the charge relates to an AFS loan in your name or a business you are associated with. If they cannot locate an account, they can advise you on next steps, including raising a dispute with your bank if necessary.([afs.com.au](https://www.afs.com.au/contact-us?utm_source=openai))

What should I do if I can’t afford my current AFS repayments and want to avoid extra fees or defaults?

AFS encourages customers experiencing financial hardship to contact them as early as possible by calling 1800 688 995 and explaining the situation. Their Customer Service team can connect you with their dedicated Hardship Team, who review your circumstances and may offer options such as short‑term payment reductions, extensions, or other tailored arrangements. Early contact can help you avoid additional fees, default listings, or enforcement action and is taken into account if your situation later needs to be formally reviewed or escalated.([afs.com.au](https://www.afs.com.au/customer-complaints?utm_source=openai))

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