What Roche Finance does

Roche Finance is a privately held Australian car finance broker headquartered at 262 Lorimer Street, Port Melbourne, Victoria. The company operates as an intermediary connecting Australian car buyers with multiple lenders through a single application process, offering a product suite that includes Low Doc Car Loans, Car Loans, Car Lease, Commercial Hire Purchase, Chattel Mortgage, Novated Lease, a Professional Package, and a Low Doc Finance product, supplemented by seven insurance add-ons (Comprehensive, Purchase Price, Tyre & Rim, Consumer Credit, GAP, Lease Protection, and Extended Warranty).

The platform is built on a web-based application and quote system accessed primarily through a 30-second online car loan quote calculator and pre-approval application funnel hosted at cashonyourmobile.net.au, with phone-based inside-sales support via a Customer Service Centre (1300 887 967) operating 9am–5pm AEST, Monday to Friday, and a fleet customer login portal (rochefinance.catch-e.net.au). The technology stack is conventional and self-serve oriented, with no disclosed API, SDK, proprietary underwriting engine, or AI/ML components.

Revenue is generated on a per-transaction basis via arrangement fees and interest rate differentials on brokered vehicle finance, with no publicly disclosed rates, monthly fees, or early exit fees. The primary customer segments are self-employed individuals, partnerships, trusts, and company applicants who require low documentation finance, as well as non-property owners and general car buyers financing new, demo, or used vehicles from dealers, auctions, or private sellers. Distribution is sales-led across digital (website quote tools, enquiry forms) and phone channels, with claimed Australia-wide geographic reach through a national lender panel.

Name

Roche Finance

Legal name

Roche Finance

Website

https://rochefinance.com.au

Company type

Private

Operating status

Operating

Ownership category

akta.pro rank

Product category

Auto Finance Brokering

NAICS

Sales Financing (52222), Sales Financing (522220)

SIC

Loan Brokers (6163), Finance Lessors (6172)

akta.pro primary industry

Auto Title Loans (Vehicle-Backed Short-Term) (FSAKADAJ)

akta.pro secondary industry

Large Purchase & Lifestyle Personal Loans (Unsecured Installment) (FSAKAAAG)

Keywords

• Car finance brokering
• Low doc car loans
• Vehicle leasing services
• Commercial hire purchase
• Novated lease solutions

Headquarters

HQ city

Port Melbourne

HQ country

Australia

HQ region

Oceania

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Car Finance Brokering: Roche Finance acts as a car loan broker connecting Australian car buyers with lenders. The company earns revenue through arrangement fees and interest rate differentials from financed vehicle purchases, including new cars, demo vehicles, used cars, and refinance options. Revenue is generated on a per-transaction basis when customers secure vehicle financing through their platform.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

Roche Finance is an Australian car finance broker that connects individual and business car buyers with multiple Australian lenders through a single application process. The company offers a range of automotive finance products including Low Doc Car Loans, Car Leases, Commercial Hire Purchase, Chattel Mortgages, Novated Leases, and a Professional Package, with finance available up to $100,000 and no early exit or monthly fees.

Product overview

Roche Finance is an Australian car finance company offering a comprehensive range of automotive financing and insurance products. The core offering consists of multiple finance products including Low Doc Car Loan, Car Lease, Commercial Hire Purchase, Chattel Mortgage, Novated Lease, Car Loans, Professional Package, and Low Doc Finance. These are complemented by a suite of insurance add-ons including Comprehensive Car Insurance, Purchase Price Insurance, Tyre & Rim Insurance, Consumer Credit Insurance, GAP Insurance, Lease Protection Insurance, and Extended Warranty. The company provides an online quote calculator tool and serves self-employed individuals, businesses, and property/non-property owners through their approval matrix.

Differentiator

Problem solved

Functional benefit

Products and services

• Low Doc Car Loan
• Car Lease Vehicle leasing option allowing businesses and individuals to lease cars with potential tax benefits.
• Commercial Hire Purchase (CHP) Finance solution where the lender hires the vehicle to the customer with an option to purchase at the end of the term.
• Chattel Mortgage A commercial finance product where the vehicle is the security (chattel) for the loan, commonly used by business owners.
• Novated Lease A three-way agreement between employer, employee, and financier where the employer leases a vehicle for an employee through salary sacrifice arrangements.
• Car Loans Standard car financing options for purchasing new or used vehicles from dealers, auctions, or private sellers.
• Professional Package Tailored finance package designed for professionals with customized terms and conditions.
• Low Doc Finance Low documentation finance solutions for applicants who cannot provide standard income verification, including non-property owners with various deposit options.
• Comprehensive Car Insurance Full coverage insurance protecting against damage, theft, and accidents.
• Purchase Price Insurance Insurance protecting the purchase price of a vehicle against depreciation or loss.
• Tyre & Rim Insurance Insurance coverage specifically for tyres and rims against damage.
• Consumer Credit Insurance Insurance covering outstanding loan balances in case of illness, injury, or unemployment.
• GAP Insurance Guaranteed Asset Protection covering the gap between insurance payout and outstanding loan balance.
• Lease Protection Insurance Insurance protecting lessees against financial hardship during lease terms.
• Extended Warranty Extended warranty coverage beyond the manufacturer's warranty period.

Segments3 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators1 record

Recent moves4 records

Expansion highlights4 records

Others

• Latitude Financial Services:

Broad incumbents

• Pepper Money: Australian non-bank lender with a specialist auto finance arm serving non-conforming and self-employed borrowers. Broader portfolio than Roche Finance but competes for the same low-doc car loan demand.
• Liberty Financial: Australian non-bank lender with specialty auto and personal finance for non-conforming borrowers. Comparable low-doc customer focus at much larger balance-sheet scale.
• Macquarie Leasing: Vehicle and equipment leasing arm of Macquarie Group, providing novated lease, CHP, and chattel mortgage products for businesses and individuals. Incumbent overlap on commercial vehicle finance products.

Direct peers

• Stratton Finance: Australian car and asset finance broker operating a multi-lender panel model directly comparable to Roche Finance. Stratton offers similar low-doc, lease, and chattel mortgage products for self-employed borrowers nationwide.
• Car Loans Australia: Australian car loan broker arranging finance through a lender panel for consumer and business buyers. Closely comparable offering to Roche Finance, including online quotes and access to multiple lenders.
• MoneyMe: ASX-listed Australian digital lender offering personal loans that include vehicle financing for self-employed and near-prime borrowers. Directly comparable target customer and product (auto-secured personal loan), though MoneyMe uses a direct balance-sheet model rather than broker panel.
• Aussie Car Loans: Australia-wide car finance broker connecting buyers with lenders for new and used vehicles. Directly comparable broker model and customer segments to Roche Finance.
• Plenti: ASX-listed Australian consumer and automotive fintech providing asset-backed loans including car finance. Comparable in addressing self-employed and near-prime borrowers, but operates a direct lending model.

Emerging players

• CarClarity: Digital-first Australian car finance marketplace offering comparison and broker services online. Comparable customer base and product scope but with a more modern digital experience than Roche Finance.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat2 records

Key risks5 records

Key highlights5 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments3 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Roche Finance