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Apt Wealth Finance, powered by Acceptance Finance
Don’t take the dealer’s first rate at face value
Dealerships love to promote their in-house finance, but the headline rate rarely tells the whole story. Before you sign, let one of our brokers check the numbers, so you’re not caught out by the fees or the real interest rate buried in the repayments.
The rate you’re quoted isn’t always the rate you pay
It’s tempting to accept finance on the spot at the dealership, but the quoted interest rate and the actual cost of the loan can be two different things once fees and the repayment structure are factored in.
For a personal car, we scrutinise the offer and work out the true rate so you can compare properly. For a business vehicle, we tailor commercial car loan structures so you can claim the tax-effective benefits available while keeping cash flow under control.
How we help with your car loan
From first conversation to long after settlement, here is how your broker works with you.
1
Bring us the offer
Whether it’s a dealer quote or a car you’ve found, share the details and what you’re trying to achieve.
2
Reveal the true cost
We dissect the repayments and work out the actual interest rate and fees, then compare against our lender panel.
3
Recommend the right loan
You get a clear recommendation for personal or business use, structured to suit you.
4
Apply and settle
We handle the paperwork and application, and stay available for your next vehicle.
Personal and business car finance
Two different needs, both worth getting right.
Personal car loans
Before you accept dealer finance, we check the offer for hidden fees and inflated rates, then compare it against competitive options.
Business vehicle finance
Commercial car loan structures tailored to your asset, so you can claim the tax-effective benefits available.
Effective rate calculator
We use our effective rate tool to reveal the real interest rate in any offer, not just the number on the page.
A panel of lenders
Access to a wide range of lenders means we can find finance that suits your situation.
Women, retirement and long-term security
A practical guide to building the retirement you want, written for the way women actually move through their working lives and beyond.
- How to understand and strengthen your super position at any age
- Catch-up strategies after career breaks or part-time work
- Smart, tax-effective ways to draw income in retirement
- Planning for aged care, including keeping the family home
- The most common retirement mistakes, and how to avoid them
Apt Wealth Partners · Whitepaper
Women, retirement and long-term security
Meet the brokers behind your loan
Our finance specialists bring a large panel of lenders, deep knowledge of lender policy and a best interests duty to every conversation. Whatever you’re financing, you’ll find someone ready to listen first and help you plan with confidence
Giulia Polizzi
Giulia Polizzi
Finance Broker – Vehicle & Equipment
Giulia Polizzi is Acceptance Finance's Vehicle and Equipment Finance specialist, and the main point of contact for car, plant and equipment finance across the business.
Balwyn, Melbourne
Minji Kim
Minji Kim
Finance Broker
Minji Kim is a Finance Broker at Acceptance Finance, an award-winning broker known across Balwyn and Ringwood, and a trusted contact for Melbourne's Korean community.
Balwyn and Ringwood, Melbourne
Sally Whitworth
Sally Whitworth
Finance Broker
Sally Whitworth is a Finance Broker at Acceptance Finance, focused on educating clients so they can make informed decisions about their loan choices.
Balwyn, Melbourne
What our clients often ask us
Is dealer finance a bad idea?
Not necessarily, but it’s rarely worth accepting without checking. The headline rate can hide fees and a higher true cost. We compare the offer against our lender panel so you know whether it’s competitive.
What’s the difference between a personal and a business car loan?
A personal car loan is for private use. A business or commercial car loan is structured for a vehicle used in your business and can be arranged so you claim the tax-effective benefits available. We’ll match the structure to how the car is used.
What is an effective or true interest rate?
It’s the real cost of the loan once fees and the repayment structure are included, rather than just the advertised rate. We use our effective rate calculator to reveal it so you can compare offers fairly.
Can you help with a car I’m buying privately?
Yes. We can arrange finance whether you’re buying from a dealer or privately, and we’ll structure it to suit personal or business use.
Reading for your finance journey
Practical guidance on borrowing, structuring finance and the decisions ahead of you.
How to build financial confidence: A guide for women who want to take charge
Michelle Heffernan
Jun 05, 2026
There’s one thing that we consistently see lacking in women’s finances. And that’s confidence. Highly capable, intelligent women who completely underestimate themselves. Confidence and knowledge are not the same thing,...
Read more
Closing the retirement savings gap for women
Tracey Pace
May 09, 2025
In Australia today, women are still retiring with around 30% less superannuation than their male counterparts. And while some positive systemic changes are taking place, such as the government introducing...
Read more
Why it’s critical that women stay on top of their finances.
Emily Lanciana
Jul 09, 2018
Women face unique challenges when it comes to finance; factors such as the gender pay gap and increased likelihood of a career break to care for children or elderly parents...
Read more
Explore more on the Apt Wealth Partners blog.
Get the true cost before you sign
Book a no-obligation chat and we’ll check your car finance offer against the market before you commit.
Prefer to talk now? Call us on 1800 801 277
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