Process

No, completing the online enquiry form won't affect your credit score at all. This initial step allows me to assess your borrowing capacity, compare your finance options, and identify the best lender for your needs—without any credit check.

When you're ready to move forward with pre-approval, that's when I’ll submit your formal application. Only at that stage will an enquiry appear on your credit file, and I'll only do this once I’m confident you'll be approved with the right deal for you.

Your credit score is important, and protecting it is a top priority at ANYA

No, ANYA will never charge you any upfront fees directly.

Here's how it works: ANYA Finance is paid by the lender through an origination fee, which if charged, is included in your finance contract. The amount varies depending on which lender approves your application, as each lender has their own fee structure.

The important part: If any fees apply to your loan, I'll show you exactly what they are before you sign anything. There are no hidden costs or surprises.

Most clients receive approval within 24-48 hours of submitting their required documents. In some cases, I can get you approved the same day!

A quick note: The fastest lender isn't always the best fit for your situation. I focus on finding you the right loan with the best terms, which sometimes takes a bit longer. But if speed is your top priority, just let me know—I can fast-track your application and get you a lightning-fast turnaround.

You sure can. Private sales are very common and can be a great way to pick up a good deal on a car! Private sales can take a little longer than a dealership sale as there are some added documents I need from the seller, to protect you as the buyer.  

A balloon is a large payment you can choose to add at the end of a loan, to minimise repayments during the normal loan term and improve your cashflow. At the end of the loan term you can choose to either refinance the balloon and pay it off over a year or two, pay it out in cash, or if you decide to sell or trade in the asset the purchaser can pay it out.

The benefits? Better cash flow due to reduced repayments.
The negatives? You pay more interest over the long run

My take? I’m a fan of paying as little back to the lenders as possible, so if your business or personal income can support the loan comfortably without it, then don’t.

If you’d like the extra cash in the bank every month, then go for it but do your best to go for the assets that hold value well (Toyota, Caterpillar, Kenworth etc), you don’t want to end up with negative equity when the balloon falls due.

If you come to me asking for a big balloon on a European car or EV, at the end of the day my job is to facilitate, I can’t provide financial advice so I’ll get it done for you but I’ll let you know about it!

This really depends on how much you want to borrow, whether you are self employed or an employee, home owner or not, length in business and so on and so on…

If you qualify for low doc options it could be as simple as a license and signed privacy form.

But look I’d love to list out the possible documents needed for each scenario but I’d go crazy and you’d never read it, just give me a call on 0405 482 279

Yes you often can, new business ventures are some of my favourite deals to work on, what the lenders are looking for are industry experience (e.g. qualified tradie going out on their own) + some evidence the business is trading healthily. I can get new businesses approved for equipment finance when they’ve been trading for as little as 3 months.

If your current car is financed in your personal name? Yes I can almost always save you money and refinance with a cheaper lender. This is what we call a win-win.

If your current car is financed through a business entity? You may be able to, but it’s not always worth it as commercial car loans often have interest penalties for paying out early, so most of the time you’re paying interest on interest and it can wipe out any savings you may make from shaving your interest rate.

Regardless I’d love to have a look for you and see what options are available, free of charge.

Honestly, after working on hundreds of deals it has never gotten in the way of an approval, if we need to close the account to achieve servicing I will let you know, but just make sure you pay it on time and don’t abuse it. Common sense approach.