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Australian Credit Licence 483392 · Springwood QLD

All types of finance

Finance, made simple.

With so many loan options out there, it's hard to know where to start. We compare lenders, explain the fine print in plain language, and handle the legwork, so you can move forward with confidence.

5.0 on Google
Start your pre-approval Call 0412 032 242

Open now. Themy is in the office, so a call will usually get answered straight away.

After hours right now. Leave a message and Themy will get back to you fast, weekends included.Text 0412 032 242Email Themy

  • Australian Credit Licence 483392
  • 30+ years in the motor industry
  • Based in Springwood, QLD

What do you need finance for?

Choose an option, we'll point you the right way.

You need finance for a car. Upgrading or buying a vehicle? We compare car finance across our lender panel and handle the paperwork with you, drawing on 30+ years in the motor industry.

Explore car finance Start pre-approval
QLD Compliance Centre Pty Ltd trading as OnFinance ABN 66 155 987 518 ยท ACL 483392 Suite 19/8 Dennis Road, Springwood QLD

What we finance

If it drives, floats or grows your business

All compared across the same lender panel, low doc commercial finance included.

Your finance journey

0 of 4
  1. Looked around
  2. Picked a need
  3. Ran the numbers
  4. Got in touch

What we help with

Four ways we can help you move forward

We take the time to understand your situation, then compare suitable options from our panel of lenders.

01 / 04

Car Finance

Buying or upgrading a vehicle, backed by 30+ years of motor industry know-how. We know what to look for, and what to walk away from.

  • New, used and near-new vehicles
  • Dealer and private sale purchases
  • Balloon or residual options, where suitable
  • Boats, jet skis, caravans and trucks too
Paper craft diorama of a car following a red thread past finance option tags
Learn more 02 / 04

Equipment & Asset Finance

From work utes to workshop gear, finance to keep your tools and jobs moving.

Learn more 03 / 04

Personal Loans

Travel, furniture, debt consolidation or an unexpected cost, sized to fit your budget.

Learn more 04 / 04

Business Loans

Starting a venture or need working capital? We'll help you compare suitable options, including low doc commercial finance for the self-employed.

Learn more
Not sure which

1

phone call sorts it

Tell Themy what you are trying to do and he will point you at the right one. No form, no obligation.

Call 0412 032 242

How OnFinance helps

Three steps, plain language throughout

Process · 03 stages · no jargon

  1. Listen

    We listen first

    A conversation about your needs, your goals and your financial position, no jargon, no judgment.

  2. Compare

    We compare suitable options

    We look across our panel of lenders for products that fit your circumstances, and explain the fine print clearly.

  3. Guide

    We handle the paperwork

    We guide you through the application process end to end, so you're never left figuring it out alone.

Three cards showing listen, compare and guide, connected by a single red thread

Our lender panel

66 lenders behind every conversation

Banks · non-banks · specialists

One bank can only offer you what that one bank does. We are accredited with 66, so a no from any single lender is the start of the search, not the end of it.

See all 66 lenders

Track record

30+

years' experience in the motor industry, so we know what to look for in vehicles and equipment finance.

Brisbane · case by case · no judgment

Wherever you're starting from

We take a case-by-case, no-judgment approach

We've helped tradies and business owners, first-time borrowers, and people getting back on their feet. If you've had credit issues in the past or receive Centrelink income, we'll still do our best to find a solution, honest advice, no promises we can't keep.

  • Tradies and business owners financing tools and vehicles
  • First-time borrowers who want it explained clearly
  • People navigating past credit issues or Centrelink income

Every application is assessed individually by the lender. We can't guarantee approval, but we can promise honest, judgment-free guidance.

Plan ahead

Fourteen calculators, one animated tool

Borrowing power, repayments, property costs, income tax and budgeting, get a feel for the numbers before you talk to us.

Try the calculators

You have already run a calculation. Bring those numbers to the call and we can talk specifics.

Map of fourteen calculators arranged around a central hub, joined by a dotted red thread

Common questions

Frequently asked questions

Three of the ones we hear most

Can you help if I've had credit issues before?

We'll still do our best to find a suitable solution. Every application is different, and lenders assess each case on its own merits. We can't guarantee approval, but we can promise honest, judgment-free advice.

Does it cost anything to talk to OnFinance?

An initial conversation costs nothing. If we proceed with credit assistance, our fees (and how our representatives are paid) are explained upfront in your Credit Guide and Credit Quote before you sign anything.

What information will I need to provide?

Generally your income, expenses and identification details, so we can understand your financial position and make sure any product we suggest is suitable for you.

Read all FAQs

What clients say

Every review, five stars

5.0

Rated on Google

smooth experiencefinancial assistancequick workeasy to talk to

See them on Google
Leane ChadwickJuly 2026
Great experience with OnFinance. Service was very professional, communication was constant and informative, and the broker was very helpful and very knowledgeable.
Kent EllisLocal Guide · July 2026
Absolute best of the best! I have used OnFinance several times now and wouldn't dream of doing business with anyone else. From start to finish Themy takes care of everything and provides a hassle-free, easy experience. Solid effort guys.

Response from OnFinance

Thanks so much, Kent! It's been an absolute pleasure helping you over the years, and I'm grateful for the trust you've placed in me each time.

Megan WilliamsApril 2026
OnFinance was incredibly easy to deal with and everything was so quick and easy. Themy and the team got me the best price and I was in my car in days.
Jennie HoDecember 2025
Working with Themy was fantastic. It turned what could have been a stressful financial process into a smooth, positive experience. My two main takeaways were the efficiency and the incredible support. I recommended OnFinance and Themy to a friend, and she had the same experience. Highly recommend!

Response from OnFinance

Really appreciate your kind words and recommendation :)

Elke Paes2025
Themy was absolutely incredible! So patient, and worked very hard and quickly to get the best deal possible for me. Thank you Themy and the whole team for assisting me! So glad I got to work with you as my broker.

Response from OnFinance

Thanks for the great review :)

Tony Ngo2025
Found a car and got pre-approved with Themy from OnFinance within a couple of hours, and the loan funded the same day. Was happy to secure my new car quickly, with sharper rates than the car yard.

Response from OnFinance

Thanks for the review :)

Darron Haworth2025
Thanks Themy and Shernice for another effortless experience gaining finance. As a repeat client, it is always a pleasure to do business with you both. I highly recommend your company to anyone who is looking for financial assistance.

Response from OnFinance

Always a pleasure, thanks for the great review :) Themy

Helen Lowe2025
First time acquiring finance and it was a smooth experience with OnFinance. Themy took the time to answer all of the questions I had and provided me with the best options available. As someone who is not a fan of paperwork, Themy made it easy.

Response from OnFinance

Thanks for the review :)

Natu Joy2025
Gosh, I can't express the gratitude our family has for Themy and his team! So easy to talk to, and made our whole experience enjoyable. We attempted to get finance via a car dealership and they made it so unnecessarily hard.

Response from OnFinance

Thank you so much :) was my pleasure

Tom2025
Themy was awesome to deal with, straight to the point and always kept me up to speed with the process. After getting quotes from 3 other brokers I decided to go with him.

Response from OnFinance

Thanks for taking the time to share your feedback.

James WegnerNovember 2025
Themy and the team at OnFinance were great. I had a unique situation when it came to obtaining my finance, but they were there to help me through the whole process.

Response from OnFinance

Thanks so much for your review!

Jason Wei2025
Great service, will be back again. Thank you very much.

Response from OnFinance

Thanks for the review :)

Rating shown as at August 2026. See the current reviews on Google

Next step

Ready when you are.

Talk to us today, request a callback, or start your pre-approval, whatever suits you best.

Open now. Themy is in the office, so a call will usually get answered straight away.

After hours right now. Leave a message and Themy will get back to you fast, weekends included.Text 0412 032 242Email Themy

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