General
To access your account you will first need to register. Simply go to https://pafonline.com.au/.
Select the “Not Registered?” link, then enter your details and create your password. You will require your Customer ID number which you will find in the Welcome letter you received at the commencement of your loan or any other letter that we have sent you.
- View account balances
- View contract details
- Calculate a payout quote
- Generate statements
- Update your payment or contact details
Simply go to https://pafonline.com.au/.
Power Alliance Finance offers a range of financing solutions for both personal and business use vehicles. Finance can be conveniently arranged at your local participating dealership.
Power Alliance Finance offers loans ranging from 12 to 84 months in length, subject to Power Alliance Finance policy and approval, with a variety of flexible payment options. While all loans run on a monthly billing cycle, we offer the flexibility of weekly, fortnightly or monthly payments.
Power Alliance Finance offers Individual rates for a fixed term on a range of consumer and commercial products. The rate is determined on a number of factors including your credit score. Your local Dealer can assist you with a finance quote.
It’s an interest rate that’s tailored to you. Instead of taking a one-size-fits-all approach, we use your credit score and other relevant criteria determined by us to calculate a rate that’s tailored for you. It doesn’t matter who you are, the same transparent and trusted process applies.
Using smart and sophisticated software, our dealers will calculate a rate based on your individual credit score and other criteria determined by us. No matter who you are, you can be sure of a transparent rate that’s tailored to you.
A credit score is a single number based on an analysis of your credit report, that enables financial institutions to determine your credit worthiness and to work out whether to lend to you.
Power Alliance Finance works closely with our Dealer network to provide a personalised service ensuring the best finance product for your needs. The Business Manager at your local participating dealership is the best person to speak to about financing your next vehicle.
Power Alliance Finance only provides finance for motor vehicles purchased through a licensed motor dealer.
We review and assess each customer needs on a case-by-case basis and our goal is to provide responsible and sustainable solutions that meet an individual’s needs.
If you have been affected by COVID-19, you may be eligible for financial support.
Apply Online to start the process.
Power Alliance Finance is committed to assisting customers, especially during this challenging time. We understand the evolving COVID-19 situation is affecting our customers and we are here to help.
Should you lose your employment because of COVID-19, you may be eligible for financial support.
Apply Online to start the process.
If your business has been forced to close, you may be eligible for financial support.
Apply Online to start the process.
Below are Power Alliance Finance’s upfront fees and ongoing monthly fees.
Fees That Will Apply
| Fee Type | Definition | Amount |
| Establishment Fee | The cost to set-up your approved loan is payable upon loan settlement and can be included within the amount financed. This is referred to in your contract as your Loan Account Establishment Fee. | $395.00 |
| Vehicle Security Registration Fee | The cost of registering Power Alliance Finance’s security interest on your vehicle on the Australian Government’s Personal Property Securities Register. This is a national online register to help protect consumers when buying personal property like cars, boats or artwork. It allows potential buyers to check if any other parties already have a security interest on the property. | $6.00
|
| Account Administration Fee | A monthly fee for the management of your loan account. | $8.00 per month |
Dealership Fees
| Fee Type | Definition | Amount |
| Dealer Agency Fee | This fee covers the dealership’s cost of preparing your finance application on Power Alliance Finance’s behalf. The Business Manager is responsible for explaining the different types of finance products to you. They’ll ensure you understand the requirements of the loan, and will arrange all the necessary paperwork to submit, manage and finalise your finance application. | $890.00 + GST |
Other Fees
| Fee Type | Definition | Amount |
| Payment Method Fee – BPay | This fee applies when a payment is made by BPay. You can avoid this fee by setting up a Direct Debit at the start of your loan, so you don’t pay fees on your regular repayments. To switch to Direct Debit payments simply go to www.pafonline.com.au | $1.50 |
| Payment Method Fee – Other (includes BillPay, Cheque or Direct Deposit) | This fee applies when a payment is made by BillPay, cheque, or direct deposit. You can avoid this fee by setting up a Direct Debit at the start of your loan, so you don’t pay fees on your regular repayments. To switch to Direct Debit payments simply go to www.pafonline.com.au | $3.00 |
| Account Payment Card Fee | This fee applies for replacement; supplementary; or new payment cards when you switch from Direct Debit to another payment method after the loan start date. You can avoid this fee by setting up a Direct Debit on all your future repayments, so you don’t pay fees on your regular repayments. To switch to Direct Debit payments simply go to www.pafonline.com.au | $5.00 |
| Payment Dishonour Fee | This fee applies if your Direct Debit or Cheque payment is dishonoured. You can avoid this fee by checking that your account has sufficient funds when payments are due to be debited. You can also change the date of your payments by contacting us. | $3.25 |
| Late Payment Fee | This fee applies if you’re late or miss a repayment, and your account goes into arrears. Power Alliance Finance will contact you about the overdue amount, and this is mentioned in your loan contract as an Arrears Follow-up Fee. You can avoid this fee by ensuring that your account does not go into arrears. You can also change the date of your payments by contacting us. | $25.00 |
Information Request Fee | This fee applies if you request contract documentation from Power Alliance Finance. You can avoid this fee by logging in to Power Alliance Finance Online where you can view, download, and print your loan documentation online without incurring this fee. | $25.00 |
Consumer Loan Early Termination Fee | This fee applies if your loan is repaid before its scheduled end date. Customers can find information about this fee on their Loan Schedule. Customers can also request an Early Termination Quote to help them decide whether to terminate early. | |
Business Vehicle Loan Early Termination Fee | This fee applies if your loan is repaid before its scheduled end date. Customers can find information about this fee on their Loan Schedule. Customers can also request an Early Termination Quote to help them decide whether to terminate early. |
Personal car loan
Power Alliance Finance works closely with our Power Alliance Dealer network to provide a personalised service, helping you answer any questions you may have. Speak to the Business Manager at your local participating dealership for information about financing your next vehicle.
We’ve created a checklist for you before you head into the dealership.
Power Alliance Finance offers loans ranging from 12 to 84 months in length, subject to Power Alliance Finance policy and approval, with a variety of flexible payment options. While all loans run on a monthly billing cycle, we offer the flexibility of weekly, fortnightly or monthly payments.
Power Alliance Finance works hard to try to ensure you always get the best service from us. If there’s something about our products or services that you aren’t happy with, then let’s work together to see if we can resolve it quickly and easily using the following process:
Step 1. Let us know
Email us at complaints@poweralliancefinance.com.au or call a Customer Solutions Representative on 138 100 between 8:30am – 7:00pm (EST) Monday to Friday. All matters are dealt with seriously and are treated in total confidence. We will aim to resolve your complaint to your satisfaction as soon as possible.
Step 2. Escalation to our Internal Dispute Resolution team
If we are unable to resolve your complaint within five business days, then the matter will be escalated to our Internal Dispute Resolution (IDR) team.
The IDR team will:
- Conduct a more detailed investigation into your complaint
- Keep you informed of the resolution process
- Answer any of your questions
- Aim to resolve the complaint promptly, and consistently
The IDR team can be contacted at any time by:
Mail: IDR Manager
Power Alliance Finance
PO Box 9215
Scoresby VIC 3179
Email: complaints@poweralliancefinance.com.au
Step 3. Seek an external review
If you aren’t satisfied with the outcome of your complaint after taking Steps 1 and 2, you may lodge a dispute with the Australian Financial Complaints Authority (AFCA). AFCA is an external independent impartial body that has been set up to resolve financial services disputes. There is no charge for this service.
The Australian Financial Complaints Authority can be contacted by:
Phone: 1800 931 678
Mail: Australian Financial Complaints Authority
GPO Box 3
Melbourne VIC 3001
Email: info@afca.org.au
Web: afca.org.au
For more information please refer to our Customer Complaints Policy.
Power Alliance Finance only provides finance for motor vehicles purchased through a licensed motor dealer.
It’s an interest rate that’s tailored to you. Instead of taking a one-size-fits-all approach, we use your credit score and other relevant criteria determined by us to calculate a rate that’s tailored for you. It doesn’t matter who you are, the same transparent and trusted process applies.
Business car loan
We’ve created a checklist for you before you head into the dealership.
If you are an individual, partnership or company who uses your vehicle predominately (more than 50%) for business purposes, you may be eligible for a commercial loan.
Any make or model, new or used, can be financed with Power Alliance Finance. Please speak to your nearest Power Alliance Finance Dealer for full vehicle eligibility details.
Power Alliance Finance cannot provide business or taxation advice. We recommend that you seek independent financial advice.
Power Alliance Finance offers loans ranging from 12 to 84 months in length, subject to Power Alliance Finance policy and approval, with a variety of flexible payment options. While all loans run on a monthly billing cycle, we offer the flexibility of weekly, fortnightly or monthly payments.
Disclaimer
Approved applicants only. Terms, conditions, fees, charges & lending criteria apply. Power Alliance Finance is a division of Australian Alliance Automotive Finance Pty Limited ABN 63 002 407 703, Australian Credit Licence 513747.
^Lower monthly repayments compared to a similar term with equivalent balloon final payment. Total interest charges will be higher if a balloon final payment is selected.
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