Question 1

Why should I use a finance broker?

Accepted Answer

A single lender can only offer you their own products, pricing and credit policy. As a finance brokerage, Finsterl Finance has access to a panel of more than 65 banks, non-bank lenders and specialist funders, so we can look at your situation and consider which of the options available to us may suit it. It also means less running around for you — we handle the lender conversations, the paperwork and the settlement coordination, and you have a dedicated professional supporting you every step of the way.

Question 2

Will getting a finance quote affect my credit score?

Accepted Answer

An initial conversation about your situation, an indicative repayment estimate or an eligibility discussion does not require an application to a lender. A formal credit enquiry is generally recorded on your credit file when an application is lodged with a lender for a credit decision. We will always tell you before that step happens, so an enquiry never appears on your file unexpectedly.

Question 3

How quickly can finance be approved?

Accepted Answer

It depends on the lender, the asset and how complete the information is. Straightforward consumer applications and simple commercial applications can move quickly, sometimes within a business day, while complex commercial deals and full financial assessments take longer. Providing documents promptly is the single biggest factor you control.

Question 4

Do I need a deposit?

Accepted Answer

Not always. Many applications can be funded without a deposit, while others benefit from one — or require one — depending on the asset, the lender and your circumstances. A deposit or trade-in reduces the amount financed and the repayment.

Question 5

Can self-employed applicants get finance?

Accepted Answer

Yes — self-employed applicants are a large part of what we do. Depending on the lender and product, assessment may be based on financial statements, tax returns, business bank statements or, for some commercial products, a simplified assessment. Eligibility criteria apply.

Question 6

What types of equipment can Finsterl finance?

Accepted Answer

Everything from work utes and trucks through to excavators, tractors, CNC machines, workshop equipment, medical and dental equipment, hospitality fit-outs, robotics, drones and commercial solar. If it is a legitimate business asset with a supplier invoice, it is worth asking. Funding options are subject to the asset, supplier, applicant and individual lender policy.

Question 7

What is a balloon payment?

Accepted Answer

A balloon (consumer) or residual (commercial) is a lump sum owing at the end of the contract. It reduces the regular repayment but increases the total interest paid, and the balance must be paid, refinanced or covered by selling the asset at the end of the term. Maximum balloon amounts are set by lender policy and the asset type.

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