process
Does getting an asset finance quote affect my credit score?
Short answer
No. Getting a quote through AssetMX does not touch your credit file. A credit check on the business and its directors only happens once a formal application is submitted to a lender, which is a separate step after you have seen an indicative quote and decided to proceed.
Last reviewed 8 September 2026 by AssetMX.
Direct answer
Requesting a quote on AssetMX is an information step, not a credit application, so it has no impact on your credit file. A credit check only occurs when you move to a formal application and a lender assesses it against its low-doc policy, at which point the business and its directors or guarantors are checked as part of standard lending practice.
How the process separates quoting from applying
The online quote takes about 60 seconds and is built from the numbers you enter and standard eligibility criteria such as ABN age, GST registration and loan term. Because no credit file is accessed at this stage, there is no reason to hesitate before getting an indicative figure. It is only when you decide to proceed and submit a formal application that the lender runs its credit assessment. For an application that fits low-doc policy, conditional approval is typically returned the same business day.
Who gets checked and why
Lenders check the credit history of the business itself and of at least one director or guarantor, since low-doc policy requires at least one guarantor on the loan. This is standard practice across asset finance and is not specific to AssetMX. The check happens once, at the formal application stage, rather than repeatedly as you compare terms or amounts on a quote.
What happens after approval
| Stage | What happens | Credit file impact |
|---|---|---|
| Online quote | Indicative numbers based on your inputs | None |
| Formal application | Lender assesses business and director credit | Credit check recorded |
| Settlement | Invoice and signed documents processed, often 24-48 hours | None additional |
Where to next
If you are ready to see indicative numbers before applying, start with a quote from the home page or read about how long approval takes.
This is general information only and does not take your circumstances into account. It is not financial, tax or legal advice.
Sources
Related questions
When does a credit check actually happen?
Only when a formal application is submitted to a lender, not when you request an indicative quote on AssetMX.
Will comparing rates with multiple providers hurt my credit score?
Requesting a quote through AssetMX does not touch your credit file, so comparing indicative numbers before applying does not add credit enquiries.
Who gets checked when I apply?
The lender checks both the business and its director or guarantor as part of the formal application.
Ready? Three questions, then we take it from there.
One flat $800 fee, disclosed before you start. Nothing touches your credit file until you say so.
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