Straightforward finance for busy Australians.
Car loans, personal loans, debt consolidation & business finance with clear options and a real broker in your corner — not a call centre script.
GreenCheck Pre-Assessment lets you understand your options upfront without impacting your credit score.
- Australia-wide, 100% online or over the phone
- Fast turnaround with broker support
- Access to multiple lenders, not just one bank
Loan types: Car loans • Personal loans • Debt consolidation • Asset & business finance
Quick loan check
What are you looking for today?
Answer a few simple questions and we’ll map out your likely options and next steps.
No obligation. No junk advice. Just a clear view of what’s possible.
Trusted by Australians looking for a clearer way to borrow
Australia-wide
Fast turnaround
Broker support, start to finish
GreenCheck Pre-Assessment
Get a clear view of your likely options before you commit or apply. No impact on your credit score from this pre-assessment.
- Loan type: car, personal, debt consolidation, asset/business finance
- Amount you’d like to borrow
- Employment type: full-time, part-time, casual, self-employed, contractor
- Approximate credit status: strong, okay, some past issues, not sure
- Where you live: state and postcode
- Your details so we can call or email with options
What happens next?
1. We review your details the same business day where possible.
2. Your broker will call or email to confirm a few points.
3. You’ll receive a clear summary of potential options and next steps.
Start your GreenCheck
Takes around 3–5 minutes. Please answer as accurately as you can.
What we’ll ask for in this form:
• Loan type (car / personal / debt consolidation / asset or business finance)
• Loan amount you’re looking for
• Employment type
• Approximate credit status
• State and postcode
• Your name, mobile and email
Consent & privacy
By clicking submit, you agree that Avrio Finance may contact you about your enquiry by phone, SMS and email. You confirm that you’ve read and understood our Privacy Policy and Credit Guide, and consent to us collecting and using your information to provide credit assistance and product options. This pre-assessment is general in nature and is not personal financial advice.
After you submit: We’ll confirm we’ve received your details on this page and share the next steps, including our direct phone number if you’d like to speak straight away.
Why Avrio Finance
Finance advice that speaks your language
We’re an Australian finance broking business built for working professionals, tradies and families who want clear options, not jargon.
Dedicated broker support
You’ll have one experienced broker as your main contact from first chat through to settlement — no being passed around a call queue.
Access to multiple lenders
We work with a panel of banks and specialist lenders so you’re not locked into one option. We’ll explain the trade-offs in plain English.
Fast and organised
We know you’re busy. We’ll tell you exactly what’s needed, help you pull it together quickly and keep you updated without chasing.
Clarity before you commit
We’ll walk you through repayments, fees, and how different terms affect you over time so you can decide feeling confident, not pressured.
Customer-first, always
We’re upfront if something doesn’t look right for you. Sometimes the best advice is to wait or restructure first — and we’ll tell you that.
How it works
A simple 3-step process
Whether you’re upgrading the family car, tidying up debts or funding equipment for the business, the process is the same.
Step 1 – GreenCheck Pre-Assessment
Tell us what you’re looking for and a bit about your situation. We’ll review your details and come back with a view of what’s likely possible.
Step 2 – Compare options with your broker
We’ll talk you through potential lenders, repayments and key differences. You’ll have the chance to ask questions and align the loan to your goals and cashflow.
Step 3 – Application, approval & settlement
Once you’re comfortable, we package your application, liaise with the lender and keep you updated. We’ll help with documents and coordinate settlement so you can get on with life.
Finance solutions for real life
Choose the type of finance that fits your next step. If you’re not sure, start the GreenCheck and we’ll help you work it out.
Car loans
New, used or upgrading the family car. Flexible options for employees and self-employed.
Personal loans
For renovations, weddings, education or other bigger expenses you’d like to spread over time.
Debt consolidation
Roll multiple cards and personal loans into one structured repayment with a clear end date.
Asset & business finance
Vehicles, equipment and other assets to help your business grow, with structures aligned to cashflow.
Car loans
For new and used cars, family upgrades and work vehicles. We’ll help you line up a structure that fits your budget and how you actually use the car.
- Employees, contractors and self-employed welcome
- Options for new and dealer-used, plus private sales
- Talk through balloon payments and terms so there are no surprises
- We’ll explain the difference between secured and unsecured structures
Who car loans are for
• Upgrading the family car
• First car buyers with stable income
• Tradies and professionals needing reliable vehicles
• Business owners seeking vehicle finance with potential tax benefits (with accountant advice)
Benefits
- Competitive car-specific lending options
- Repayments structured around your pay cycle
- Guidance on fees, balloons and ownership options
- Support through dealer or private sale negotiations
What you’ll need
• Driver licence and basic ID
• Recent payslips or income documentation
• Details of any existing loans and cards
• An idea of the car price and type
If you’re still shopping around, that’s fine — we can still complete a GreenCheck to guide your budget.
Can I get a car loan if I’m self-employed or a contractor?
Possibly, yes. Lenders will look at your trading history, income and how long you’ve been in business. We’ll walk you through the options, including low-doc or alt-doc where appropriate.
Do I need to have chosen the exact car first?
Not necessarily. We can do a pre-assessment and give you a guide on price range and structure so you can shop with confidence, then finalise once you’ve found the right car.
Will a car loan pre-assessment affect my credit score?
Our GreenCheck Pre-Assessment itself does not impact your credit score. If you choose to move ahead with a formal application, we’ll explain how credit checks work before anything is submitted.
Ready for your next car?
Personal loans
For the bigger things in life — from renovations and weddings to medical expenses and education — a personal loan can help you manage costs with structure.
- Secured and unsecured personal loan options
- Flexible terms so repayments feel comfortable
- We’ll explain total cost over time, not just the rate
- Clear guidance on early payout and extra repayments
Who personal loans are for
• Home renovations or upgrades
• Weddings and major events
• Education or professional development
• Bigger once-off expenses you’d prefer to spread out
Benefits
- Bring scattered expenses into one clear repayment
- Choose a term that balances total interest and monthly comfort
- Support understanding fees, charges and comparison rates
- Simple online process with a human to guide you
What you’ll need
• Basic ID and contact details
• Income and employment information
• An estimate of how much you’d like to borrow
• Current debts and regular expenses
If you’re not sure on the exact figure, we can help you work through a budget in your GreenCheck.
Can I use a personal loan to consolidate debt?
Yes, in many cases a personal loan can be used to consolidate multiple debts. If debt consolidation is your main goal, we’ll look at specific consolidation options and explain how to avoid ending up back in the same position.
How much can I borrow with a personal loan?
It depends on your income, existing commitments, credit history and the purpose of the loan. Use GreenCheck to give us enough detail to estimate a suitable range.
Can I make extra repayments?
Some lenders allow extra repayments without penalty, others don’t. We’ll highlight these differences before you choose a product.
Thinking about a personal loan?
Debt consolidation
Multiple cards and personal loans can be stressful and expensive. Debt consolidation can bring them into one structured repayment, with a clear plan to get back in control.
- Assess your current debts, interest rates and fees
- Look at whether consolidation may reduce overall cost
- Map a realistic path to paying things out
- Support building better structures going forward
Who consolidation is for
• Multiple credit cards or personal loans
• High interest repayments chewing up cashflow
• You want one repayment and a clear end date
• You’re committed to changing habits going forward
Benefits (and watch-outs)
- Simpler to manage one repayment instead of many
- Potential to reduce interest and fees over time
- We’ll highlight any risks, like stretching debts too long
- Support putting a practical plan around your budget
What you’ll need
• Statements for each card and loan
• Your income and regular living expenses
• Details of any arrears or defaults
• A willingness to talk honestly about your situation
We know these conversations can feel heavy. Our job is to listen, explain your options and support you without judgement.
Will debt consolidation always save me money?
Not always. Sometimes consolidating at a lower rate but over a much longer term can cost more overall. We’ll lay out the numbers clearly so you can compare staying as you are versus consolidating.
Can I consolidate if I’ve missed repayments?
It may still be possible, depending on how recent and frequent the missed repayments are. We’ll factor this into your GreenCheck and talk through realistic options.
Is this financial counselling?
No. We provide credit assistance, not financial counselling. We can, however, point you towards free financial counselling services if that’s more appropriate for your situation.
Ready to tidy things up?
Asset & business finance
For vehicles, equipment and other business assets that help you do more, grow faster or work smarter. We’ll help align your finance structure with cashflow and tax advice from your accountant.
- Asset finance for vehicles, machinery and equipment
- Options including chattel mortgage and leases
- Support preparing financials for lenders
- Access to lenders comfortable with small business
Who this is for
• Sole traders and small business owners
• Growing businesses needing vehicles or equipment
• Professionals looking to finance tools of trade
• Businesses wanting to preserve cash buffers
Benefits
- Match repayments to how the asset earns income
- Potential tax benefits (with professional tax advice)
- Keep working capital available for other priorities
- Broker support who understands small business
What you’ll need
• ABN and business details
• Financials and BAS (where required)
• Asset details or quotes
• Accountant contact if you’d like us to coordinate
We’ll outline what’s needed based on the size and type of transaction.
Do I need full financials for business asset finance?
It depends on the lender, the asset type and the amount. Some smaller deals can be done with streamlined documentation. Your GreenCheck will help us position things correctly from the start.
Can I finance second-hand equipment or vehicles?
Often, yes. Each lender has different age and condition guidelines. We’ll check what’s realistic before you commit to a purchase.
Will you work with my accountant?
Absolutely. With your permission, we’re happy to coordinate with your accountant to help align the structure with your tax and business strategy.
Planning a business purchase?
Reviews
What our clients say
Names and details are indicative only. Replace with your real client reviews and star ratings.
“Avrio made the whole car finance process so much easier. Clear, upfront and we always knew what was happening.”
Sarah, Sydney
Family car upgrade
“We consolidated a few debts and for the first time in years I feel like there’s a plan in place. No judgement, just practical help.”
Michael, Brisbane
Debt consolidation client
“Our broker at Avrio helped finance two vehicles and equipment as the business grew. Communication was excellent the whole way through.”
Lisa, Melbourne
Small business owner
About Avrio Finance
Avrio Finance is an Australian finance brokerage focused on giving everyday people and business owners a clearer way to borrow.
We’ve seen how confusing the finance world can feel — rate headlines, fine print and complicated product names. Our job is to cut through that, understand what you’re trying to achieve and map out practical options in plain language.
We work with a panel of lenders, from the big banks to specialist providers, and we take our responsibility seriously. That means being upfront if something isn’t in your best interests and taking the time to explain your options properly.
Experience you can lean on
Insert your experience summary here – for example, years in finance, number of clients helped and any relevant qualifications or memberships.
Licensed and regulated
Replace this with your Australian Credit Licence or authorised representative details, aggregator information and any industry associations.
Based in Australia, available nationwide
While we’re based in [City/State], we work with clients right across Australia via phone, email and secure online applications.
Frequently asked questions
If your question isn’t covered here, you’re always welcome to call or include it in your GreenCheck Pre-Assessment.
Is this financial advice?
No. The information we provide is general in nature and relates to credit products only. It doesn’t take into account your full financial situation or objectives. You should consider seeking independent financial, legal or tax advice where appropriate.
How are you paid?
In most cases we’re paid a commission by the lender when your loan settles. We’ll disclose this in our Credit Quote and Credit Guide before you proceed. If any direct fees apply, we’ll outline these clearly in writing upfront.
Will you recommend a specific lender?
We’ll usually present a shortlist of options, explain the pros and cons of each and give you a recommendation based on what we understand about your situation. The final choice is always yours.
How long does approval take?
It varies by lender and how quickly we can gather documents. Simple applications can be turned around quickly once everything is provided. We’ll give you an indication of timing after your GreenCheck.
Can you help if my credit isn’t perfect?
Potentially, yes. Different lenders have different appetites for past issues. Being upfront in your GreenCheck helps us position your application realistically and avoid unnecessary surprises.
Still unsure?
Use the GreenCheck Pre-Assessment to walk us through your questions, or call and we’ll talk it through in plain English.
Contact & next steps
The easiest way to get started is with a GreenCheck Pre-Assessment. If you prefer to speak to someone first, you can call or email us directly.
Phone: 0485973063
Email: [email protected]
Prefer a quick chat first?
Call us and we’ll let you know whether a GreenCheck or a different next step makes more sense.
Quick enquiry
If you’d like us to call you back, leave your details here or head straight to the GreenCheck form above.
Privacy
We’ll only use your details to respond to your enquiry in line with our Privacy Policy.
Ready to see your options?
Start your GreenCheck Pre-Assessment in a few minutes, or call to talk through things one-on-one.
Avrio Finance
Premium finance broking for Australians who want clear, considered guidance on car loans, personal loans, debt consolidation and business finance.
Phone: 0485 973 063Email: [email protected]
Location: 2/9 Wairopi Street Idalia QLD 4811
Compliance & legal
Privacy Policy
Credit Guide & Credit Quote
Terms
Disclaimers
Gary Robinson is an authorised Credit Representative# 566000 under ACL 384704.
Important information: The information on this website is general in nature and does not take into account your objectives, financial situation or needs. It is not personal financial advice. Before acting on any information, you should consider whether it is appropriate for your circumstances and seek independent advice where necessary.
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