Finance made possible even when banks say no.
Car, truck, equipment and business finance, plus rent to own and a line of credit, arranged for real people across a panel of 60+ Australian lenders. Slide the calculator, then apply in minutes.
Estimate only. Actual rate, fees and approval depend on lender assessment and responsible lending.
Lenders we work with
One application.
A whole panel of lenders.
From a car or a truck to equipment, working capital and a business line of credit, we match you to the right lender across 60+ options. Instant quote, no obligation, no credit score hit.
Finance, the way it should feel
No credit score hit
Getting your quote with Velox doesn't impact your credit score.
Personalised matching
We protect your file by matching you to a suitable lender the first time.
Sharper rates
We work with lenders you can't apply to directly, often below the banks.
100% online
Paperless and fully online, Australia wide, on your schedule.
Live application tracking
Follow your application's progress and resume it any time.
Customers first
We work for you and your interests, we're not owned by any lender.
A broker in your corner, not a bank at a distance.
Velox Credit is an Australian credit broker. We do the legwork of matching you to the right lender, so a knock back from one bank isn't the end of the road.
Not sure if you qualify? Find out free.
Answer every question for an accurate result.
From application to on the road.
1.Apply online
Answer a few simple questions, one at a time. Takes only minutes.
2.Quick assessment
We review your situation across 60+ lenders, bad credit and visa options included.
3.Get your options
We come back with an indicative quote and a clear path to approval.
4.Settle & drive
Once approved, funds are settled and you get moving.
People the banks passed on, back on the road.
“Two banks knocked me back over an old default. Velox looked at where I'm at now and had me approved for a car within days.”
“I'm on a working visa and thought finance was off the table. They found a lender who understood my situation. So easy.”
“Self employed with a newish ABN, the whole thing was one online form and a quick call. Funds sorted for the new ute.”
Illustrative examples. Individual outcomes depend on your circumstances and lender assessment.
Questions,
answered.
Still unsure if you qualify? The quickest way to find out is a free, no obligation eligibility check.
Often, yes. We look at your current situation, not just your credit file. Past defaults, missed payments or a low score don't automatically rule you out, we assess affordability across a panel of 60+ lenders, including specialist lenders who consider bad credit.
Yes. We have options for eligible working visa and student visa holders, as well as permanent residents. The available lenders and rates depend on your visa type, income and time in Australia.
Absolutely. Self employed applicants and newer ABNs are welcome. Depending on the lender we may ask for ABN history, bank statements or an accountant's details to confirm your income.
Starting an enquiry or getting an indicative quote does not affect your credit score. A formal credit check only happens later, with your consent, once you choose to proceed with a full application.
The eligibility check takes minutes and you'll see an indicative quote straight away. Once you submit a full application, our team typically reviews it and comes back to you the same or next business day.
No. Every quote and eligibility result is an estimate only. Actual approval, rate, fees and repayments depend on the lender's assessment, your affordability and responsible lending obligations.
Ready to find out what you qualify for?
A free, no obligation eligibility check takes two minutes, and it won't affect your credit score.