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  • Car Loans
    Hit the road sooner with car finance from ACA
  • Boat Loans
    Get on the water and live the lifestyle you want to.
  • Equipment Loans
    Let us take care of your equipment finance while you stay out on the land.
  • Horse Float Loans
    Transport your horse safely from A to B with a horse float financed from ACA.
  • Truck Loans
    Truck Finance that always arrives before the deadline.

Providing Straightforward Finance Solutions

ACA Loans ensures that you are provided with straightforward finance solutions that are quick and easy to obtain.

Australian Credit Acceptance is an FBAA accredited finance broker. When you go to a bank for a loan, all they can offer you is their own products. The benefit of applying for a loan through Australian Credit Acceptance is that we are able to take into account your personal requirements and financial circumstances, then work hard to find the loan that is going to be best suited to you from any one of our reputable lenders.

Our specialty is helping self-employed people successfully receive finance despite their lack of documentation. We are all about giving Aussies a fair go and having our portfolio of lenders compete for your business.

All we care about is finding the best deal for you.

The owner of your local retail store is usually not going to tell you that the item you are buying may be bought cheaper at the retailer down the street. Your bank is no different and will not tell if you could get a better loan with another bank.

Your bank will usually offer you a limited selection of loan options; a broker on the other hand, has access to numerous lenders and many different loan options which means that it is more likely that a broker will be able to help you choose a loan that best suits your financial situation.

Brokers generally receive wholesale pricing on most loan products. Banks on the other hand generally offer retail prices for these same loans.

Choosing a loan can be a confusing and time consuming matter and for this reason, you want to be confident that you are making the right decision. Being informed and having all your questions answered to your satisfaction is an important part of this process. A professional broker will be able to explain to you the terms, costs and operation of the loan that you are signing up for. Your broker will do this in plain English without the lingo and abbreviations. A loan officer from a bank may not have the time, or the knowledge, to help you understand the options available to you.

Having an application for a loan denied is a very real and scary possibility for some buyers. If your loan gets denied at the bank in a lot of instances they will not even tell you why, you will have to find another lender on your own, a task that is both tedious and time consuming. It is a broker’s job on the other hand to find you a new lender that is prepared to look at your situation and they can often do this in a matter of hours.

If you are self employed or have a tainted credit history, it is also very difficult to take out a loan with a bank. With very strict guidelines in place, banks generally won’t want to have anything to do with you. A broker on the other hand can offer a range of loan products specially designed for people in your position.

When choosing to take out a loan through a broker, you can be confident that you are getting the best value for your money with a loan that is suitable for your purpose and are receiving professional assistance from someone who will be there with you every step of the way.

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    “Finally! A finance broker that calls me back when they say they are going to. Australian Credit Acceptance helped me trade in the old Ute for something more family friendly. Their service was great. I couldn’t be happier with them”

    Jack
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    Commercial Express for all Business and Equipment finance.

    • No financials needed
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