FAQs

Your T&Cs consist of the Details you signed, and one of the Fixed Rate Loan Agreement General Terms, Vehicle Loan and Finance Lease General Terms, Guaranteed Future Value General Terms (Retail Consumer) or the Guaranteed Future Value General Terms (Retail Commercial), depending on the loan you have.

The General Terms that apply to your Angle Auto Finance product, were provided to you at the commencement of your loan contract.

To request a copy of your original contract and your product T&Cs, please contact our Customer Care team on 1300 561 868.

The documents and information you may need with you are:

• Primary and secondary identification (one source of ID must be a driver’s licence)
• Proof of income: 2-3 recent payslips from your employer or PAYG statement if a business
• Proof of residence: 2 x recent rate or other notices with your current address shown
• Details of your living expenses and liabilities

Note that we may need additional information as part of the application process.

A balloon payment is a lump sum you agree to pay at the end of your car loan. It reduces your regular repayments, making them more affordable over the loan duration.

However, you’ll pay more interest overall. This is due to interest being accrued on the large balloon amount over the full loan duration, despite the non-balloon portion reducing with each repayment. On a loan without a balloon the full principal is repaid over the loan term, resulting in less interest payable overall.

If you plan to keep the car well beyond the loan term, a loan with a balloon payment costs more in the long run.

It might suit you if you want lower repayments or if you intend to change over your car at the end of the contract term. Just remember you’ll need to pay or refinance the lump sum when the loan ends.

However, you’ll pay more interest overall. This is due to interest being accrued on the large balloon amount over the full loan duration, despite the non-balloon portion reducing with each repayment. On a loan without a balloon the full principal is repaid over the loan term, resulting in less interest payable overall.

If you plan to keep the car well beyond the loan term, a loan with a balloon payment costs more in the long run.

Here are some important things to consider:

• It’s easy to forget about the final payment, so make sure you plan for it. You’ll still owe a large amount at the end.
• You may need to sell or trade in your car. Many people use the value of the car to help pay back the balloon. If your car’s value is less than expected, you’ll need to cover the difference.
• Refinancing is not guaranteed. If your financial situation changes, or if interest rates go up, it might be harder or more expensive to refinance the balloon later.
• You’ll pay more interest overall. This is due to interest being accrued on this large balloon amount over the full loan duration, despite the non-balloon portion reducing with each repayment. On a loan without a balloon the full principal is repaid over the loan term, resulting in less interest payable overall.
• It may not suit long-term car keepers. If you plan to keep the car well beyond the loan term, a loan with a balloon payment costs more in the long run.

Yes, in many cases you can make extra repayments during the loan. This will help lower the final amount owing at the end of your term, but may result in the loan terminating early. Check your loan terms first to see if there are any early termination related costs.

Yes, our online Customer Portal lets you track and manage your vehicle loan with 24/7 self-service access. You can track your repayments, download your statements and manage your details. Registration is now open for Consumer Fixed Rate Loan customers and Commercial Vehicle Loan customers (Sole Trader and Tool of Trade customers only).

Our team of Customer Care specialists are available Monday to Friday between 8:30am and 5:30pm AEST.

To update your Direct Debit information:

1. Written authorisation is required to make any direct debit account changes.
2. Please download and complete the Direct Debit Request form here.
3. Email your completed form to customercare@angleauto.com.au.

Please note that changes to customer’s direct debit details cannot be made over the phone. Our Customer Care team are happy to help should you need additional support to get them updated.

If you have an Angle Auto Finance Consumer Fixed Rate Loan or Commercial Vehicle Loan (Sole Trader or Tool of Trade individuals only), you’re eligible to register for the Customer Portal and can generate a statement yourself. Once logged in, you can either download or email a statement depending on how you want it delivered. Alternatively, you can submit a request online or call our Customer Care Team on 1300 561 868.

If you can’t make your next payment, it’s best that you get in contact with us as soon as possible on 1300 561 868.

If you are experiencing Financial Hardship, we are also here to support you. You can learn more about our Financial Hardship Assistance here.

It’s important that your contact details are up to date. If your contact information changes, please get in touch online or call our Customer Care Team on 1300 561 868.

We can provide you with a payout figure at any time during the life of your contract, however, paying out your loan early may incur additional fees and charges. If you have an Angle Auto Finance Consumer Fixed Rate Loan or Commercial Vehicle Loan (Sole Trader or Tool of Trade individuals only), you’re eligible to register for the Customer Portal and can generate a payout quote yourself. Once logged in, from your contract view (main contract page), select ‘Manage Loan’, then ‘Calculate Loan Payout Quote’ and follow the prompts. Alternatively, you can submit a request online or call our Customer Care Team on 1300 561 868.

Please visit our Complaints page for more information on how to make a complaint.

Yes. Comprehensive insurance is always required on the secured vehicle throughout the term of the loan or lease. This means you need to make sure you renew it every year.

• You may be required to pay fees, such as early termination fees and break costs in addition to paying out your loan.
• If you wish to pay out your loan early, please speak to one of our Customer Care specialists who can advise of any fees and charges that you may be required to pay. Our team is available on 1300 561 868, Monday to Friday from 8:30am to 5:30pm AEST.

For more information on break costs and how they’re calculated, please download our Break Cost Information Sheet here.

A GFV is an option that allows you to lock in an agreed future value of your car at the end of the loan, subject to meeting terms and conditions.

You have three options for your vehicle:

1. Trade it in – use as a deposit for a new vehicle with an approved new loan with us. Any amounts owing on the loan, however, will need to be paid.
2. Keep it – pay us out the amount owed on the contract.
3. Return it – hand it back to an accredited participating dealer and the agreed future value amount will be used to satisfy the balloon payment amount under the loan contract (subject to the vehicle meeting the Angle Auto Finance GFV Fair Wear & Tear Guidelines and agreed kilometres allowance).

Under a GFV contract you decide on the term of your loan. A range of options are available depending on the vehicle purchased and how many kilometres you expect to drive each year. The number of kilometres you travel affects the guaranteed future value of your vehicle at the end of the loan term. It’s important that you pick an annual kilometre limit that matches the amount you expect to drive, because any kilometres driven in excess of this limit will incur an excess kilometre charge (an amount per extra kilometre) that is deducted from the GFV amount at the end of your loan term.

A range of options are available depending on the vehicle purchased. It’s important that you pick an annual kilometre limit that matches the amount you expect to drive, because any kilometres driven in excess of this limit will incur an excess kilometre charge (an amount per extra kilometre) that is deducted from the GFV amount at the end of your loan term.

If you go over your total kilometre allowance at the end of your contract, an excess kilometre charge will be applied as a reduction to the vehicle’s GFV. To check the excess kilometre fees, please refer to the details and terms of your GFV loan contract.

Absolutely! Eligible EVs are exempt from FBT by the Australian Government, so your entire novated lease repayment can be taken from your salary before tax (which could mean tax benefits for you).

Of course, you also get all the other benefits from taking out a novated lease, like having all your car-related expenses bundled into one regular payment.

This could happen if you change jobs, and your new employer doesn’t offer a novated leasing benefit, or you no longer work for the employer you originally set up the lease with.

• You’ll be responsible for making all lease repayments directly to us and continue with the finance component of your arrangement.
• Keep in mind that you will no longer have the rest of your package – such as insurance, tyres, servicing, fuel etc – and your lease repayments will be paid post-tax, so any pre-tax benefit will no longer apply.
• You remain obligated to comply with the terms and conditions of your lease, and the residual value will still be due at the end of your lease term. You’ll also need to ensure that the vehicle is comprehensively insured and registered, and that Angle Auto Finance is noted as having a financial interest in the vehicle.

If you’re transitioning to a new employer offering novated leasing benefits, you’ll still need to cover your ongoing lease repayments in the meantime. Until your new employer has completed the novated lease set up, your lease repayments will need to be made directly to Angle Auto Finance.

When your lease is close to coming to an end, you’ll be given a few options:

1. Offer to buy the vehicle

You’ll need to contact us for a payout figure.

If your lease is still managed by a salary packaging provider, contact your provider to discuss your options regarding refinancing your existing vehicle or entering a new lease for a new vehicle.

2. Pay the residual value on the last day of the term and return the leased vehicle

You’ll need to contact us to discuss the best way to return the vehicle and arrange for payment of the residual value.

A novated lease is based around a fixed length of time. So, if you decide to end the lease early, your payout might be higher than the market value of the car (and could include fees and charges from us as the finance provider).

When you set up your lease, it’s a good idea to structure it over a period that reflects how long you’ll want to keep the car to avoid any of those early termination related costs.

The payout figure is the amount you would need to pay to buy the car or pay off the remaining balance if you end the lease early. It includes the remaining monthly payments, residual value and any early termination costs. At the end of your lease or at any point during your lease, if you tell us you’d like to the buy the vehicle, you’ll be sent a letter with the payout figure.

• The payout figure will display the total amount payable, including GST, and any fees and charges that may apply. See fees and charges guide.
• The payout figure is valid until the date specified in the letter. If we don’t receive payment by this date, the amount required to buy the vehicle may change according to the actual payment date.
• You will receive information on how to pay the payout figure, including the dedicated bank details.

When you pay the full payout figure by the payout date and once the funds have cleared:

1. The title to the vehicle will transfer to you from us on an ‘as is, where is’ basis and we won’t have an interest in it anymore.
2. To the extent the law permits, we don’t make any promises about the vehicle, like where it is, its use, condition or suitability to you. You’re responsible for all these things, as you’ve had the vehicle during the lease term (not us). Any liability we have or rights you may have in connection with the vehicle (other than set out in the lease with us) are excluded.
3. We’ll release any security interest registration (such as in the PPS Register) we have made against the vehicle within five business days.

A novated lease residual value is the amount you are contractually required to pay at the end of a novated lease. It represents the vehicle’s estimated remaining value, and is calculated as a percentage of the original vehicle price as determined by the Australia Tax Office (ATO), with the percentage decreasing as the lease term increases.

The payout figure is the amount you would need to pay to buy the car or pay off the remaining balance if you end the lease early. It would normally be more than the residual value as it includes remaining monthly payments, before the lease ends as well as applicable costs related to early termination.

If you suspect a scam, don’t wait. Contact our Customer Care team immediately on 1300 561 868 for assistance with your Angle Auto Finance account. For more information on how to keep yourself safe online (including how to spot scams in the wild), visit our Online Safety page.

Trust your instincts. If something feels off, don’t click any links, open attachments, or provide personal or financial information. If you’ve received a suspicious email or SMS claiming to be from us, please send a screenshot to reportscam@angleauto.com.au. Our team will investigate and ensure your safety, along with that of others.

We will never request personal information via text message. We will only request personal information (such as date of birth, residential address or driver’s licence number) via email if it is necessary to verify your identity, especially if you have initiated contact with us through this channel. Additionally, we will never ask you to request remote access to your device or ask for your passwords or PINs through phone calls, email, or text messages. Your privacy and security are our top priorities.

Legitimate emails from us will always come from our official domains: “@angleauto.com.au” or “@edm.angleauto.com.au.” We recommend not clicking on any links or opening attachments in emails unless you’re sure they’re from us. Legitimate text messages will always come from our official sender ID: “Angle Auto.” We’ll never ask you to click a link within a text message. If you receive a suspicious email or text message, forward a screenshot to reportscam@angleauto.com.au. Our team will investigate to ensure your security, along with that of others.

To protect yourself, always take a moment to think before you act. Avoid clicking suspicious links, providing personal info, or allowing remote access to your devices. Use strong, unique passwords, enable multi-factor authentication (MFA), and keep your devices up to date with the latest software and anti-virus tools. Regularly monitor your accounts for unusual activity and always log out after sessions. For added safety, only download apps from trusted sources. By following these steps, you play an important role in safeguarding your data.

For more tips on securing your information, visit our Online Safety page.

Credit reporting bodies, such as Equifax, calculate your credit score to show how likely you are to repay the money you owe to a lender based on past credit behaviour. This is known as your ‘creditworthiness’.

The higher your score, the more confident lenders can be that you’ll repay your debts.

Angle Auto Finance participates in the credit reporting system, but currently only provides ‘negative’ information about you to credit reporting bodies, such as defaults and other serious credit issues.

Starting from October 2025, Angle Auto Finance may begin disclosing Comprehensive Credit Reporting (CCR) information about the loans that you have with us to Equifax, who is the credit reporting body that we deal with. Like several other lenders, we provide this information to help create your credit report, which other credit providers use when considering new loans or credit applications.

This means, paying your Angle Auto Loan on time is now more important than ever.

Previously, we only shared details like new credit applications and payment defaults with credit reporting bodies. Starting from October 2025, we may include:

• The types of loans and credit accounts you have with us
• When those accounts were opened (and closed, if applicable)
• Your monthly outstanding balance on those accounts
• Your repayment history information (RHI), including on-time payments and any payments more than 14 days late
• Financial Hardship Information (FHI), including any arrangements you’ve made with us

If we suspect serious misconduct—like fraud or deliberately avoiding repayments—we may report that to the credit reporting bodies too. We currently report fraud or other misconduct to credit reporting bodies, so this has not changed as a result of CCR.

To obtain a copy of your credit report, or for credit reporting queries, visit equifax.com.au or call Equifax Australia on 13 83 32.

For more information about credit reports, visit the CreditSmart website.

Angle Auto provides credit information (including CCR information from October 2025) to, and uses information from, Equifax.

Equifax is an independent organisation that securely gathers and distributes credit information and personal information to financial institutions to assist them in making lending decisions.

Equifax’s contact details are as follows:

• Phone:13 83 32
• Email:customerserviceAU@equifax.com
• Website:mycreditfile.com.au

Equifax has a privacy policy and a credit reporting policy explaining how your information is handled by Equifax. You can read these on their website or contact them directly if you want more details.

• To learn more about CCR – visit creditsmart.org.au.
• For credit reporting queries or to access your credit report – visit equifax.com.au or call Equifax Australia on 13 83 32
• For details on how Angle Auto Finance manages your information – View our Privacy Policy (available on our website at angleauto.com.au/privacy) and our separate Credit Reporting Policy (available on our website at angleauto.com.au/important-documents), which sets out your rights to access and correct your information and how to make a complaint about how we handle your information (including how we will respond to your complaint).

Your credit report may include Repayment History Information (RHI), which shows whether you paid on time, were late, or missed a payment on any credit account. Making repayments on time helps your credit score, which may improve your chances when you apply for new finance.

To help avoid missed payments, consider setting up direct debit. This can make it easier to stay on track with your repayments.

We’ve got some helpful tips to get you started on managing your money and having a healthy credit report.

1. Make your repayments on time

Paying your loans or other debts by the due date is the most important thing you can do. On-time payments build a strong credit history.

2. Reach out early if you’re having trouble.

If you’re having trouble, contact us early to discuss options, which may include a financial hardship arrangement and doesn’t directly affect your credit score. Instead, it’s recorded on your credit report as Financial Hardship Information (FHI) and stays there for 12 months from when a temporary arrangement ends or 12 months after a permanent variation is made.

This record simply shows that you’ve worked with us to manage your repayments during a difficult time—it’s not the same as missing payments. In fact, continuing to make payments under a hardship arrangement can help protect your credit health.

If you need support, it’s always better to reach out early. We’re here to help.

3. Set up a direct debits or reminders

Automate your payments or set calendar alerts to avoid missing due dates. It helps make sure your payments are always on time, and on-time payments look great on your credit report.

4. Check your credit report

Keep an eye on what’s recorded about you. If something doesn’t look right, contact us, your other lender or the relevant credit reporting body for help.

You can get a free copy of your credit report every three months from credit reporting bodies.

5. Keep your credit applications to a minimum:

Every time you apply for credit, it shows up on your report. Too many applications in a short time can hurt your credit score, so only apply when you really need to.

If you think that you might be a victim of fraud (including identity theft), you can ask the credit reporting bodies to put a ban on accessing your credit report for 21 days. This stops them from sharing your information while you sort it out. You can even ask for an extension of this ban period if you need more time to take steps to protect yourself.

This isn’t uncommon; we call it a shortfall. The shortfall is the difference between the amount the buyer agrees to pay, and the amount required to pay the remaining balance on your loan or lease.

Here’s what happens:

• You’ll need to pay the shortfall amount before we can finalise your loan or lease contract. You can pay this directly into your loan or lease account using the bank details on your payout quote.
• Once paid in full, we will release our security interest, so the buyer has clear title to your vehicle.

If you require an updated payout quote, you can request one online. Please allow a few business days for any payments you have made to show up on your account.

If you can’t pay the shortfall due to financial hardship, our Financial Hardship team can help.

• We can consider the buyer’s offer, agree to an appropriate sale price and release the security interest once the payment is made.
• We will also take the time to understand your current financial circumstances and discuss a repayment plan with you to cover the remaining shortfall.

If this scenario applies to you, please call us on 1300 561 869 or complete an online financial hardship application.

If you’ve missed repayments or fallen behind (in arrears), it may affect your credit report. Here’s how:

• Missed or late repayments show up on your credit report and may lower your credit score because they suggest you might be a higher risk to lenders.
• Being in arrears means your account is overdue, which also impacts your credit rating negatively.

That’s why it’s important to act early. If you’re having trouble keeping up, we can help you explore support options like a hardship arrangement to avoid further impact and get back on track.

If you’ve missed some payments previously, it won’t affect your credit history indefinitely, as repayment history information is only recorded on your credit report for 24 months.

Making your required repayments consistently may have a positive effect on your credit report, and getting back on track with these payments can help improve your credit score.

A payment plan can let you focus on staying up to date with your regular repayments while giving you extra time to catch up on any missed repayments or fees.

Reaching out early can make a huge difference in managing your future commitments and provide peace of mind, knowing you’ve got a plan.

If things change and you can’t make your agreed payments, give us a call on 1300 561 868 and we’ll work with you to find a solution that fits you best.

Call us on 1300 561 868. We’ll chat about your situation and work together to find the best way forward.

If you’re facing a situation that makes it difficult to keep up with your repayments, our Financial Hardship Assistance team may be able to support you. You can learn more about our Financial Hardship Assistance here.

Got the funds available now to clear your overdue amount?  You can make a payment via Electronic Fund Transfer (EFT) using these details:

BSB: 066-751

Account number: is your Contract number.

You can find your contract number on your Welcome Letter. Please note, it can take 2-3 business days for an EFT payment to appear on your account.

We offer a range of financial support solutions depending on your circumstances. If you are experiencing financial difficulty, we can offer you a payment plan, reduced repayments or repayment holiday for a period while you get back on your feet. If this sounds like something you need, give us a call at 1300 561 869 or apply online.

A financial hardship arrangement is a type of support that we may offer to help you manage your loan repayments when a change in your circumstances affects your ability to pay or you are experiencing financial difficulty. For example, we may provide a payment deferral if you’re facing challenges like illness or loss of income.

This type of arrangement can be temporary, such as reduced payments for a few months, or longer-term, like extending your loan term to lower your monthly repayments permanently.

It starts with a conversation. Call us at 1300 561 869 or fill out our Financial Assistance Form online. We’re here to listen to you and help you find a solution.

One of our Financial Assistance Specialists will review your application and then contact you to discuss your situation in detail. A real conversation helps us better understand your situation, so we can provide the most suitable support for you.

We’ll only ask for supporting documents if we need it to make sure you have support tailored to your personal circumstances. You can apply for Financial Hardship support online and if we need further information from you, we will be in touch.

If things change, just give us a call on 1300 561 868 and we’ll work with you to find a solution that fits you best.

For consumer loans, if you agree to a financial hardship arrangement with us, your Repayment History Information (RHI) may show whether you’ve met the terms of that arrangement instead of your usual payment obligations. The nature of the financial hardship arrangement may be listed in your credit report to show if a temporary variation financial hardship arrangement (shown by an ‘A’ on your credit report) or a permanent variation financial hardship arrangement (shown by a ‘V’ on your credit report) has been entered.

These arrangements do not impact your credit score. However, a code indicating the hardship may remain on your credit report for 12 months from when a temporary arrangement ends or 12 months after a permanent variation is made. Your report will not include the reason for the hardship or any specific details about the arrangement.

For more details, visit CreditSmart.

This is not applicable for business vehicle loans and novated leases. For these, there are no current impacts to your credit score or file when you apply and are approved for Financial Hardship Assistance.

Voluntary surrender is where you agree to return the vehicle and agree for us to sell it on your behalf. Any proceeds of sale (minus costs associated with the sale) are then applied to your loan or lease balance to reduce the total amount owing.

1. Please call us on 1300 561 869 so we can understand your current circumstances.
2. We will advise you of the location of our nearest auction house partner where you can take the vehicle to.
3. Our auction house partner will then value your vehicle, and we will let you know the valuation amount – if the valuation is less than you expected, you will still have the option to redeem your vehicle.
4. If you don’t redeem your vehicle, we will arrange for the vehicle to be sold and apply the proceeds (minus costs associated with the sale) to be applied to your loan or lease balance.
5. If there is a surplus, we will transfer those funds to you. If there is a shortfall, we will contact you to discuss a suitable repayment plan tailored to your personal circumstances.

We can collect it from your home or office for an additional fee.

To arrange voluntary surrender of your vehicle, please call us on 1300 561 869.

If you have an Angle Auto Finance Consumer Fixed Rate Loan or Commercial Vehicle Loan (Sole Trader or Tool of Trade individuals only), you’re eligible to register for the Customer Portal.

Provided you’re eligible to register, simply visit my.angleauto.com.au/register and follow the prompts. We’ll just need some basic personal details from your account with us to get you going (Email, Mobile & Date of Birth). Keep your phone or email handy – we’ll send a one-time PIN to verify your details.

Yes! At Angle Auto Finance, keeping your personal and financial information safe is our top priority. As an ISO 27001-certified organisation, we follow the highest international standards for information security. We use a range of security measures, including one-time PIN (OTP) verification at login, encryption for data at rest and in transit, and firewalls to block unauthorised access. You can register with confidence, knowing your information is protected.

If you have your loan contract handy, you’ll find these details there. You can also check your inbox for an email about the Customer Portal from Angle Auto Finance – that’s the email address you should use. Still need help? Contact our Customer Care team at 1300 561 868.

Make sure you’re using the same email address or mobile number you registered with. If you’re having trouble with your password, click the ‘Forgot password’ link and follow the prompts to reset it. Still need help? Contact our Customer Care team at 1300 561 868.

To reset your password, click the ‘Forgot password’ link and follow the prompts. Be sure to use the same email address or mobile number you registered with. You’ll receive a one-time PIN via SMS or email within a minute. If you don’t receive the PIN or need further help, contact our Customer Care team at 1300 561 868.

For your security, your account may be temporarily locked after too many incorrect login attempts. We’ll have emailed or text you with instructions on how to regain access. If you’re still having trouble, contact our Customer Care team at 1300 561 868.

It’s easy. Select the ‘Transactions’ tab, click ‘View your statements’, choose your statement type and period, then select ‘Download’ or ‘Email’ depending on how you want it delivered. Need help? Contact Customer Care at 1300 561 868.

Yes, you can request a loan payout quote at any time. However, paying out your loan early may incur additional fees and charges.

To request a payout quote from the Customer Portal, go to your contract view (main contract page), select ‘Manage Loan’, then ‘Calculate Loan Payout Quote’, and follow the prompts. Alternatively, you can submit a request online or call our Customer Care team at 1300 561 868.

If your previous loan payout quote is still valid (i.e., it hasn’t expired), the system won’t generate a new one. If you need further assistance or prefer to discuss your payout request, please contact our Customer Care team at 1300 561 868.

Keeping your details up to date helps us stay in touch about your loan. You will be able to do this through the portal in the future but at present to request an update, contact our Customer Care Team at 1300 561 868.

You will be able to do this through the portal in the future but at present to update your direct debit information:

1. Written authorisation is required to make any direct debit account changes.
2. Please download and complete the Direct Debit Request form here.
3. Email your completed form to customercare@angleauto.com.au.

Please note that changes to customer’s direct debit details cannot be made over the phone. Our Customer Care team are happy to help should you need additional support to get them updated.

If you have an Angle Auto Finance Consumer Fixed Rate Loan, you can switch between weekly, fortnightly, or monthly repayments to suit your needs.

Commercial Vehicle Loans are only available with monthly repayments.

To request a change, contact Customer Care at 1300 561 868.

Ensure your personal and payment details are up to date. If something still doesn’t look right, fill out the online form or contact our Customer Care team at 1300 561 868 for assistance.