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Commonly Asked Questions

Your finance questions answered

Got a question about Suzuki Financial Services? Find common questions and answers below about application requirements, how to lower your repayments, and more.

What Identification and Documents do I need to apply?

Before applying for car finance there are several documents you need to have ready. We have a checklist you can print to make sure you have everything you need.

Download our Document Checklist

Why should I borrow from Suzuki Financial Services?

We calculate your rate based on your credit score and other personal criteria determined by us. This means you can always be sure of a rate that’s transparent and tailored to your circumstances. As Suzuki Financial Services is arranged through your Suzuki dealer at the time you purchase your vehicle, it’s simple and convenient too.

What is Suzuki Tailored Rate?

Instead of taking a one-size-fits-all approach, we use our sophisticated software to calculate an interest rate based on your credit score and many other relevant factors determined by us, such as type of vehicle loan, and much more.

This means you can be confident that you are getting a fair and transparent interest rate.

Download our Tailored Rate Brochure for more information.

Is there a way to lower my repayments on my loan?

Many car loans give you flexibility to lower repayments. One option, if you have extra cash, is to add a deposit. You could also take out a car loan with a Guaranteed Future Value*, such as SuzukiSecure which offers lower monthly repaymentsthan a fixed rate car loan.

What term does Suzuki Financial Services offer for their finance products?

We offer loans ranging from 12 to 84 months in length, subject to Suzuki Financial Services policy and approval, with a variety of flexible payment options. We offer the flexibility of weekly, fortnightly, or monthly payments.

How can I make a complaint to Suzuki Financial Services?

Suzuki Financial Services 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@suzukifinancialservices.com.au  or call a Customer Solutions Representative on 138 200 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
Suzuki Financial Services
PO Box 9215
Scoresby VIC 3179
Email:  complaints@suzukifinancialservices.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 .

If I use my car for business, are repayments tax deductible?

Suzuki Financial Services cannot provide business or tax advice. You may need to seek independent financial or taxation advice.

What are my fees and charges for a loan?

Click  here  for Suzuki Financial Services’ upfront fees and ongoing monthly fees.

What is Suzuki Financial Services Online?

Suzuki Financial Services Online is the easy way to manage your Suzuki Financial Services account. You can access your finance account online at a time that suits you.

  • View account balances
  • View contract details
  • Calculate a payout quote
  • Generate statements
  • Update your payment or contact details

Simply go to sfonline.com.au.



How can I access my Suzuki Financial Services Online account?

To access your account you will first need to register. Simply go to sfonline.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.

What is SuzukiSecure?

SuzukiSecure is our Guaranteed Future Value (GFV)* product, offering customers security and benefits, such as lower monthly repayments^ compared to a standard car loan with no balloon, over the same term.

 Download our SuzukiSecureQuick Guide for more information.

How do we calculate Guaranteed Future Value (GFV)*?

We calculate the GFV* based on sales results of similar vehicles, as well as economic factors. The GFV* can vary based on your loan term and agreed kilometres.

What happens if I have damaged my car?

If your car doesn't meet the Fair Wear and Tear guidelines, Suzuki Financial Services will give you the opportunity to have the vehicle repaired. Otherwise, Suzuki Financial Services can organise the repairs and deduct the cost from your Guaranteed Future Value (GFV)*. This adjusted GFV will then be the price that Suzuki Financial Services will offer you if you return the car at the end of your term. Of course, if you keep the car, the condition doesn't matter. And if you trade it in or sell it privately, the condition will obviously impact your sale price.


What if I drive extra kilometres?

An excess usage adjustment of $0.0635 per kilometre will apply if, at the end of the term, you have travelled more than the agreed end odometer. This will be deducted from the GFV*, which then becomes your adjusted GFV*.

Approved applicants only. Terms, conditions, fees, charges & lending criteria apply. Suzuki Financial Services is a division of Australian Alliance Automotive Finance Pty Limited ABN 63 002 407 703, Australian Credit Licence 513747. Suzuki Financial Services is available at participating Suzuki dealerships. Click here to view our privacy policy.

*The GFV is the minimum value of your Suzuki at the end of your finance contract, as determined by Suzuki Financial Services. If you decide to return your car to Suzuki Financial Services at the end of your term, Suzuki Financial Services will pay you the agreed GFV, which will be put against your final payment subject to fair wear and tear conditions and agreed kilometres being met. Terms, conditions, fees, charges & lending criteria apply. Approved applicants only. Suzuki Financial Services 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 no Guaranteed Future Value (GFV) or equivalent balloon final payment. Total interest charges will be higher if a GFV or balloon final payment is selected.

Target Market Determinations are available here.