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Volt Loans is a trading name of Australian Asset Aggregation Pty Ltd, operating under Australian Credit Licence No. 384704. We are a digital asset finance broker and part of AAA Finance, which has been helping Australians find the right finance for over 25 years. We are members of the Finance Brokers Association of Australia (FBAA) and the Australian Financial Complaints Authority (AFCA). We work with over 40 trusted Australian asset finance lenders to find the best loan for your individual situation.

Volt Loans is an independent finance broker, not a bank. This means we work for you, not for any single lender. We search across more than 40 asset finance lenders to find the most competitive rate for your circumstances. Going direct to a bank means you only see one option. Going through Volt Loans means you see the best options from across the market.

There are no hidden fees for applications with Volt Loans. We are upfront about all costs before you sign anything. What we quote is what you get, with no last minute changes to your rate or terms.

Yes. Volt Loans operates Australia wide. Our application process is fully digital so you can apply from anywhere in the country. Our team will call you to discuss your options regardless of where you are located.

Simply click the Apply Now button on any page and follow our simple 6 minute online application. Enter your basic details and our platform will automatically match your profile with lender criteria to identify the loans you are most likely to qualify for. Our team will then call you to discuss your options and next steps.

Once you submit your application our team will call you to discuss your options and gather further details. We work as fast as possible to get you an answer. In many cases same day approval is achievable.

Requirements vary depending on the loan type and lender, but generally you will need proof of identity such as a drivers licence or passport, proof of income such as recent payslips or tax returns, and details of the asset you are looking to finance. Our team will advise you exactly what is needed for your specific application when they call you.

Pre-approval is a conditional approval from a lender before you have finalised which asset you are purchasing. It gives you a clear borrowing limit so you can shop with confidence, negotiate better with sellers, and move quickly when you find the right vehicle or asset. Volt Loans can help you get pre-approved before you start shopping.

Our initial application process involves a soft credit enquiry which does not affect your credit score. A formal credit check only occurs when a lender progresses your application. Our team will discuss this with you before anything is submitted to a lender.

Your borrowing capacity depends on several factors including your income, employment status, existing financial commitments, credit history, and the value of the asset being financed. The best way to find out is to apply and speak with our team. We will give you a clear picture of what is available for your situation with no obligation.

Secured car finance means the vehicle is used as security for the loan. Because the lender has an asset to fall back on, secured loans typically offer lower interest rates than unsecured options. This is the most common form of car finance in Australia and suits most borrowers purchasing a vehicle through a dealer or private sale.

Unsecured car finance does not use the vehicle as collateral. Approval is based purely on your credit profile and financial situation. Interest rates are generally higher than secured loans because of the increased risk to the lender, however unsecured loans offer more flexibility, particularly for older vehicles or private sales where some lenders will not offer secured finance.

New car finance typically offers lower interest rates and longer loan terms because the vehicle holds its value more predictably. Used car finance may have slightly higher rates and some lenders impose age or kilometre restrictions on the vehicle. Volt Loans works with lenders who can finance both new and used vehicles, including private sales, so whatever you are buying we can find options to suit.

Yes. Volt Loans regularly finances electric and hybrid vehicles including BYD, Tesla, Nissan Leaf and Toyota hybrids. Some lenders offer green loan rates for qualifying electric vehicles which can mean a lower interest rate. Our team can check eligibility when you apply.

Yes. If your circumstances have improved since you took out your original loan, or if rates have moved in your favour, refinancing could save you money. We can assess your current loan and compare it against what is available in the market. There is no cost to enquire.

We finance a wide range of leisure assets including motorcycles, boats, caravans, camper trailers, jet skis and campervans. If you can buy it we can most likely finance it. Contact our team to discuss your specific asset and we will find the right options for you.

A balloon payment or residual value is a lump sum payment due at the end of a loan term. Structuring a loan with a balloon reduces your regular repayments during the loan term. At the end you can pay the balloon in full, refinance it, or in some cases return the asset to the lender. Our team will explain how this works for your specific loan and whether it is the right structure for your situation.

This depends on the lender and loan product. Some lenders allow early repayment with no penalty while others charge a break fee. Our team will make sure you understand the early repayment conditions of any loan before you sign.

Yes. Volt Loans offers business and commercial finance for ABN holders. Whether you are a sole trader, small business or company, we have lenders who can provide finance for trucks, equipment and commercial vehicles. Low doc options are available for businesses that cannot provide full financial statements.

We finance a broad range of business assets including trucks and prime movers, earthmoving and construction equipment, agricultural machinery, manufacturing equipment, work utes and vans, and trade tools and equipment. If the asset is being used for business purposes we most likely have a lender who can help.

This depends on how the asset will be used and your business structure. Business finance such as a chattel mortgage may offer tax advantages for GST registered businesses, while personal finance may suit sole traders using equipment for both personal and business purposes. We recommend speaking with your accountant about the most appropriate structure, and our team can then find the right loan product to match.

For straightforward applications with full documentation, approval can be achieved within 24 to 48 hours. Low doc applications may take slightly longer. Our team will give you a realistic timeline based on your specific application when they call you after you apply.

Volt Loans offers 0% deposit loan options for qualifying rideshare drivers. This means you can get into a vehicle without needing a large upfront cash deposit, making it easier to get started or upgrade your current vehicle. Eligibility depends on your individual circumstances and the lender's criteria. Apply and our team will confirm whether you qualify.

We support drivers working with all major rideshare platforms including Uber, DiDi, Lyft, Cabify and Shebah. Our team understands the vehicle requirements for each platform and can help you find a vehicle that meets the criteria.

Popular rideshare approved vehicles we finance include the Toyota Corolla, Toyota Camry Ascent Hybrid, Toyota RAV4 Edge, Nissan X-Trail, Nissan Serena, Nissan Leaf, Nissan Aura and BYD Dolphin. We can also finance other vehicles that meet platform requirements. Speak to our team about the specific vehicle you are considering.

Yes. Many of our lenders accept rideshare income as part of your income assessment. You will generally need to demonstrate a consistent income history. Our team will advise on what documentation is needed when they contact you after your application.

A comparison rate is a standardised rate that combines the interest rate with most fees and charges into a single percentage. It gives you a more accurate picture of the true cost of a loan than the advertised interest rate alone. When comparing loans always look at the comparison rate alongside the interest rate.

A chattel mortgage is a type of business finance where the lender takes a mortgage over the asset being purchased. The business owns the asset from the start but the lender holds security over it until the loan is repaid. It is commonly used for vehicles and equipment purchased for business use and may offer GST and tax advantages for eligible businesses.

Your credit score is one of the factors lenders use to assess your application and determine your interest rate. A stronger credit score generally means access to lower rates and more lender options. However Volt Loans works with lenders across the full credit spectrum and we have options for borrowers with less than perfect credit history. Our platform matches your profile to lenders who are most likely to approve your application.

The Finance Brokers Association of Australia is the peak industry body for finance brokers in Australia. Membership requires brokers to meet strict professional standards, hold appropriate qualifications and comply with the FBAA Code of Practice. Volt Loans is a proud FBAA member, which means you can trust that we operate to the highest professional standards in the industry.

The Australian Financial Complaints Authority is an independent dispute resolution scheme for financial services complaints. As an AFCA member, Volt Loans is committed to fair and transparent service. If you ever have a complaint that we cannot resolve to your satisfaction, you have the right to escalate it to AFCA at no cost to you.