A soft credit check is a quick look at your credit report that doesn’t affect your credit score. It’s used to help lenders give you a pre-approval offer or check your eligibility — all without leaving a mark on your credit history. Think of it as a risk-free way to see your options.

To run a credit check, we just need a few basic details: Your full name Date of birth Current address A photo of your driver’s licence That’s it — quick and simple.

Your privacy is our priority. We keep your information secure and confidential, and only share it with the dealerships and lenders involved in processing your finance application.

Approval timeframes can vary depending on the type of loan (consumer or commercial), but in most cases, your finance approval is valid for 60 days! For exact dates, just check your approval documents or ask your broker.

Yes, you can! Once you’re approved, you’re free to shop anywhere in Australia for the car, truck, caravan, or boat you’ve been approved for, not just through BuyFi listings. Your approval gives you the flexibility to buy on your terms.

Once you’re approved, you can purchase any vehicle or asset that fits within your approved finance amount — cars, caravans, boats, trucks — it’s your choice.

Because BuyFi gives you more choice, less pressure, and better deals. Instead of being locked into one dealership’s offer, we compare finance options from multiple lenders and sellers, all in one place. You skip the sales pressure, save time, and get the best deal for your situation.

Sometimes if you visit multiple dealerships, each one might run a separate credit check which can impact your score. With BuyFi, we only run a soft credit check to get you pre-approved. ✅ It won’t affect your credit score.✅ It keeps things simple, fast, and stress-free.