The smarter way to get your new loan

Getting a quote will not affect your credit score.
Apply for a better loan with us today.

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Welcome to Credit Choice Finance

Our Services

Completing our application Will Not Impact Your Credit Score

How To Apply

Step 1

Step 1

Begin Enquiry

(1 min)

Complete the on our site to begin your no-obligation enquiry.

Step 2

Step 2

Speak with our finance expert

(10 mins)

Our dedicated Credit Choice Finance experts will help you compare options from our panel of leading lenders.

Step 3

Step 3


(5 mins)

Provide some details about yourself, financial details and the asset that you want to buy.

Step 4

Step 4


(1-2 hours)

We will get you an approval with one of Australia's best lenders. You can put down the deposit on your new asset.

Step 5

Step 5

Sign your contract

(24 hours)

We will send you the loan contract to sign.

Step 6

Step 6

Collect your new asset


All documents are completed and the asset is paid for.

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We Deliver Expertise You Can Trust

Special Deals on

Latest Cars in Townsville

We are rated 5.0 by 1140+ Google reviews

Customer Reviews


Brad, is absolutely excellent . From the moment we walked in; to me picking up my new car - he was more than helpful! He made the process so smooth, kept me informed and went above and beyond. I highly recommend to anyone needing assistance with finance. Hope to see you again in the future Brad. 😀




Several years ago Brad assisted me to gain finance when no one else would, he is professional, supportive and knows his stuff. Customer service couldn’t have been a better experience. Fast forward to today I am in a much better financial situation and have a lot more options however Credit Choice will always be my preferred finance option.




Had experience with Julie so thankful for her help, got my finance through so quick and kept me in the loop the whole time on what was going on! Would defiantly recommend her!




After trying to deal with banks and getting stuffed around. We got put on to Brad. Great to deal with and worked very fast. Spoke to him monday lunch approved by Tuesday lunch. Settled by end of week. Will be useing again and recommending to everyone i know.




I had a great experience with Brad at credit choice, so organised, very fast and very reliable, answered all my questions and works very hard towards everyone’s individual circumstances. Recommend highly.




Brad was fantastic, he went above and beyond to get me a car loan, from first point of contact Brad was very friendly, helpful and very understanding to my needs ! My loan was very challenging as I had just started a new job but that didn’t faze him .. I have no hesitations in recommending Credit Choice to anyone . Thankyou Brad 😁



We're here to Help


How do I apply?

It’s easy! Applications are usually completed online via our simple in as little as 5 minutes!

One of our friendly team will then contact you to progress with your application.

If you still have any question, please feel free to speak to one of our friendly team on or email .

What do I need to get finance?

Lenders generally require some supporting information in order to assess a loan application in the best possible light.

Supporting documents such as Proof of income (payslips, tax return, Centrelink statements) and depending on your situation lenders may also require 90 days banking transaction history ( bank statements).

If you are unsure of what to provide, simply call us on or send us a quick email. Your Credit Choice Finance Consultant will only be too happy to assist.

How long does it take?

Once we receive the supporting documentation, the application is submitted by the financier and we can get an answer within the same day.

How do I repay the loan?

Repayments are usually setup via direct debit and extra repayments to reduce interest can be made via online banking in most cases.

What if I have been previously declined?

We have built a strong relationship with our lenders and we will negotiate the outcome for you.

We also have other options that other finance firms do not have available to them, such as accreditation with private financiers.

What does Credit Choice Finance do?

Credit Choice Finance is a Finance Brokerage with a purpose of arranging finance terms and repayments suitable to our customer’s needs.

Customers can be individuals or businesses. Find out more about us here.

How does Credit Choice Finance work?

We assess your individual finance needs and match them with the lending options available from our vast panel of reputable lenders.

Credit Choice Finance's experienced financial professionals do all of the running around leg work for you, so you don't have to.

To experience the award winning customer service that Credit Choice Finance provides, call us on , or now to find out why more Australians are finding Credit Choice Finance the smarter way to finance.

A One-Stop Solution for your loan

Why Credit Choice Finance


We compare your financial needs with all of the lenders on our extensive panel to find the best option for you and your individual circumstances.


We have established relationships with over 40 of Australia's most trusted lenders, including major banks and lenders not available directly to the general public.


Our premium finance solutions incorporate low establishment fees, no ongoing fees, bank-beating interest rates. We can tailor a finance package to suit your needs.

No Waiting

Credit Choice Finance offers as well as same day approvals using our simple, obligation-free .


Our Finance Consultants are available 7 days a week for your convenience, give us a call today on or .


Our unrivalled service and experience in the industry not only gives you, our customer, the fastest and most professional service, it also gives you the peace of mind that you are getting a great deal.