Straight Up Finance was built on a simple belief: every customer deserves honesty, transparency, and a fair deal — regardless of their financial history.
With over 4 years in the finance industry, we've seen how other brokers operate — and we didn't like it. Hidden fees, inflated charges, and a culture of telling people what they want to hear instead of what they need to know. That's not us.
Our approach? Some call it abrasive. We call it efficient, reliable, and professional. We don't waste your time with fluff. We give you honest answers, find you the best rate, and get it done fast. Our fastest settlement? 4 hours from start to finish.
At Straight Up Finance, we have one standard fee structure for everyone. Whether you're a homeowner with an excellent credit score or someone who's had a few bumps along the way, you pay the same broker fee. We don't adjust our fees based on your circumstances — that's not how fair business works.
We work for you, not the lenders. Our job isn't to push you into a loan — it's to get you the right loan at the absolute best possible rate. And we do it all over phone and email, servicing customers right across Australia.
Honesty First
We tell it like it is. No false promises, no misleading quotes, no nasty surprises at settlement. If a deal doesn't make sense for you, we'll tell you straight.
One Standard Fee Structure
Everyone gets treated the same. Your credit history doesn't change our fee. Same price for everyone — that's fair business.
Speed & Efficiency
Approvals typically within 1-3 business days. Settlement in 1-4 days. We respect your time and move fast because you want to be driving, not waiting.
We Work For You
We don't work for the lenders or dealerships. We work for you. Our goal is finding you the best rate, not the biggest commission.
WHAT WE FINANCE
We finance a wide range of assets across Australia, including:
- ✓ New & used cars
- ✓ Private car sales
- ✓ Motorbikes (road, dirt, cruisers)
- ✓ Boats & jet skis
- ✓ Trucks & heavy vehicles
- ✓ Farm equipment
- ✓ Utes & 4WDs
- ✓ Refinancing existing loans
Loan amounts from $5,000 to $500,000+ depending on the asset. Terms from 1 to 7 years. The average loan we settle is around $50,000.
What rate will I get?
Your rate depends on your financial situation and credit score. We compare multiple lenders to find you the absolute best rate available — and we don't mark it up. Tell us what you're expecting and we'll let you know if it's achievable.
Can I pay off my loan early?
Yes! Most lenders allow early repayment. About 9 out of 10 lenders have an early exit fee of up to $800, but this decreases the longer you have the loan. For example, paying off a 7-year loan halfway through would typically mean around $400 in exit fees. If having no exit fees is important to you, let us know — we can find lenders that offer this.
Will applying affect my credit score?
Getting a quote from us does NOT affect your credit file. We only perform a credit check when you decide to proceed with a formal application. So you can get a quote with complete peace of mind.
How long does the process take?
Approval typically takes 1-3 business days, sometimes same day depending on workload. Settlement takes another 1-4 days after approval. Our fastest ever? 4 hours from first contact to money in the account.
Do I need to know what I'm buying first?
No! We can provide pre-approval before you find your vehicle. This means you know exactly what you can spend before you start shopping, giving you stronger negotiating power with sellers.
What do I need to apply?
To get started, have ready: what you want to buy, purchase price and loan amount needed, where you're buying from, your living and work history for the past 3 years, your preferred loan term, and a rough idea of your assets and liabilities. We'll also need ID, income documents, and signed privacy consent forms.