Frequently Asked Questions (FAQ's)
Find answers to commonly asked questions about car finance.
- What happens when I apply for car finance with Roche Finance?
- When do I get the money?
- How do I make repayments?
- Can I change my mind about taking out car finance with Roche Finance?
- Can I apply again if I am not accepted the first time?
- Can I choose the date to make my repayments?
- When is a credit reference carried out?
- What is credit scoring?
- How do I arrange a certified copy of a document?
What happens when I apply for car finance with Roche Finance?
A credit reference search will be carried out and a credit score will be calculated, which will determine if we can offer you a loan.
We'll phone you if we have any more questions.
If your loan is agreed in principle, we will try and contact you over the phone to let you know. If we are unable to contact you, we will still progress your application and contact you by letter.
We will send your finance documents to be signed and returned to us along with any additional information required to support your application.
After returning your documents to us, your loan will be processed for payment by EFT to the vendors nominated bank account.
When do I get the money?
An electronic payment is sent direct to the vendors bank account on the day of settlement and the money can be withdrawn as soon as the funds reach the account.
How do I make repayments?
Repayments will be made by Direct Debit from your nominated bank account.
Can I change my mind about taking out car finance with Roche Finance?
You can change your mind at any stage in the loan application until you have accepted your finance agreement. If you want to cancel your loan after that date please call us on 1300 887 967 and we'll arrange for you to repay your loan.
Can I apply again if I am not accepted the first time?
You can make a request for further information by writing to:
262 Lorimer Street
Port Melbourne VIC 3121
Or you can request a copy of your credit history with a Credit Reference Agency by sending your request and applicable fees to:
PO Box 964
North Sydney NSW 2059
Can I choose the date to make my repayments?
Just let us know your preferred payment date after your loan has settled and we'll arrange it for you.
When is a credit reference carried out?
This will happen when you make an application.
What is credit scoring?
Credit scoring is an assessment of your ability to repay based on the information you have provided in your application, along with the details from the credit reference agency. This is used to help us decide whether we can offer you a loan or not. This will happen when you make an application.
How do I arrange a certified copy of a document?
If you are requested to submit certain documents as certified copies (certified as true copy of the original), please bring the original document and a photocopy of the original document to one of the following persons.
- Magistrate, CEO of a Commonwealth court, Clerk of the court, Judge of a court, the Master of a court, Registrar or Deputy Registrar of a court
- Civil marriage celebrant, Justice of the Peace, Commission for taking Affidavits and Declarations, a Notary Public
- Australian diplomatic or consular officer
- Officer or warrant officer of the Australian Defence Force (with 5 years continuous service)
- A chiropractor, dentist, medical practitioner, nurse, pharmacist, veterinary surgeon
- Sheriff or sheriff’s officer, a legal practitioner, patent attorney, bailiff, police officer
- Manager of Australia Postal Corporation or permanent employee (with more than 5 years continuous service)
- A bank officer, credit union or building society officer (with more than 5 years continuous service)
- Member of Institute of Chartered Accountants, Australian Society of Certificated Practising Accountants or National Institute of Accountants; Institute of Corporate Managers, Secretaries and Administrators; or Institute of Engineers (not students members)
- Member of Parliament (Commonwealth or State)
- Executive manager or permanent employee of a Commonwealth or state department or authority (more than 5 years continuous service)
- Minister of religion
- Teacher employed on a full time basis at a school of tertiary education institution (more than 5 years continuous service)