How we're paid
You should know exactly who pays us and how much, before you sign anything. Here it is in plain English.
The lender pays us a commission
When your loan is approved and the contract is signed, the lender usually pays us a commission. It's how most brokers are paid. It's usually between 0% and 15% of the amount financed, depending on the lender and product, and you can ask us for an estimate at any time.
Some lenders pay more than others. The law says we can't suggest a loan that's unsuitable for you, and we'll explain why we've suggested a particular lender.
Our fee: up to $1,990, only if your finance settles
If your finance settles, our fee is up to $1,990 (including GST). It's the only fee we charge you. It can be added to your loan or paid to us directly. If your finance doesn't settle, you pay us nothing.
Example: on a $31,000 car loan over 6 years in 2026, our fee was $1,495.
Your exact fee is in the written quote we give you before we start, and you can say no.
Lenders charge their own fees
Lenders usually charge an establishment fee, a monthly account fee and a small PPSR registration fee (for example $495, $9.95 a month and $9.95). These go to the lender, not to us, and they're shown in your loan contract.
Our relationship with Fortis Motor Group
Fortis Funding and Fortis Motor Group are associated but separate businesses, and we share a site at 14 Edgecombe Court, Moorabbin VIC 3189.
- If you buy a car from Fortis Motor Group and finance it with us, the group earns on both the car and the finance. We think you should know that.
- You don't have to finance with us to buy from Fortis Motor Group, and you don't have to buy from Fortis Motor Group to finance with us. We finance cars from any dealer or private seller.
- Cars for sale on this website are Fortis Motor Group stock. Prices are set by Fortis Motor Group.
Referral partners
Some car dealers refer their customers to us. When a referred loan settles, we may pay the dealer a referral fee of up to $2,000. We pay it out of what we earn, so it doesn't add to what you pay. If you were referred, you can ask us how much the referrer received.
What we won't do
- Recommend a loan that isn't suitable for you because it pays us more.
- Charge you a fee you didn't agree to in writing.
- Send your application to a lender without your OK.
All the details are in our credit guide, which we also give you before we help you. Questions? Call 1300 871 222.
Fortis Funding is the trading name of D C Money Pty Ltd ACN 633 694 729, Australian Credit Licence 518978. Fee examples are illustrations from a real 2026 deal and vary by lender and loan.
Ready when you are
It takes about 60 seconds, and enquiring doesn't involve a credit check.