At Money3, we’ll give you a fair go.

Need to finance a new car, caravan or boat?
Considering some home improvements or the trip of a lifetime?
We’re here to help!

1. Subject to verification, suitability and affordability
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Latest Money3 Loan Reviews

For over 20 years, we've been lending a helping hand

Life can be unpredictable and expenses can hit hard. That's why we offer fair, fast and friendly loans for all.

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  • You’re in the driver’s seat from the start

    Find tailored and affordable repayment terms to get where you want to be at the pace that suits you.

  • Get $2,000 to $75,000 for any vehicle

    Cars, motorbikes, caravans, boats or vans — we consider all vehicle types1. Whether it’s new or used, from a dealer or private sale, our loans could help1.

  • Personal loans for life’s curveballs

    Car repairs, home improvements, holiday loans, weddings, vet bills or rental bonds — we could help you get up to $30,000 to take care of unexpected costs.

  • Hassle-free repayments

    Discover simple, affordable and straightforward loan repayments when you pay with our Direct Debit system.

We'll Give You a Fair Go!

1. Subject to verification, suitability and affordability

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Rest easy knowing that you're getting a fair deal.

We'll give you a fair go - whatever your credit history

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Complete Your Application in Around 5 Minutes!

We make car loans & vehicle finance fast and easy with our stress-free application process. We’ll be there every step of the way to make sure you get a loan that's right for you.

 

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  • 01.
    Apply for pre-approval in 5 to 10 minutes.

    Apply online from the comfort of your own home, office or anywhere. With automatic and digital retrieval of your bank statements, we've made loan applications simple and fast!

  • 02.
    We’ll review your application and reach out

    Sit tight as we review your loan or finance request. With quick turnaround times, we’ll contact you via phone or email with your next steps.

  • 03.
    Receive your pre-approval offer

    Once we receive all the information we need, we'll let you know how much you could borrow for your next vehicle, based on your current financial situation.

  • 04.
    Get the money you need, when you need.

    After some final checks, if all still looks good; we’ll settle your loan with the vehicle purchase. As part of the process, we will make payment to the vendor on your behalf - so you can drive away sooner.

1. Subject to verification, suitability and affordability

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Car Finance from Money3

Money3 offers a variety of car loans for our customers. Depending on your financial circumstances, you may be able to access loans with lending criteria that are specific to you1. Below are some of our most common car loans options.

  • Car Loans
    Our car loans cover both new and used cars up to $75,000. We offer flexible lending options while giving you a fair go. Whether you’d like to purchase with a dealership or a private seller, we could approve a car loan to suit your financial situation1.
  • Used Car Finance
    We can fund your next used car up to $75,000 from a dealership or private seller. We'll give you a fair go, even with Centrelink income or a bad credit history.
  • Bad Credit Car Loans
    You can apply for a car loan with Money3, even if you may have a low credit history. At Money3, we aim to give individuals a second chance at obtaining the car finance they need1.
  • Centrelink Friendly Car Loans*
    You can apply for a Centrelink friendly car loan* if you are receiving regular Centrelink payments above $480 weekly1. Getting pre-approval with us can make your car-shopping experience quicker and easier.
  • Pensioner Car Loans
    If you are on a pension, Money3 pension car loans are designed for you. You can apply for a car loan with us, if you can show us that you are regularly receiving pension payments into your bank account - above $480 weekly1.

The Money3 car loan application process is quick and simple, and we aim to help you drive away in your dream car as soon as possible. We also have a wide selection of vehicle loans so that you can finance motorbikes, vans, caravans, trailers, boats and many other vehicles.

Simply confirm that you meet our simple car loan requirements and apply for a pre-approval. Once you have received a pre-approval, you can work with dealerships and private sellers to purchase your dream car1. Providing that there are no issues with the vehicle, and everything looks good, you can proceed to purchase. When signing at settlement, the Money3 team can step in and finance your vehicle, on your behalf.

1. Subject to verification, suitability and affordability
* Money3 is not affiliated with, or endorsed by, Services Australia, but does provide personal loan and vehicle finance options which are available to recipients of benefit payments

Example Car Finance Costs Chart

BorrowCostsRepay
$5,000$1,909$6,909
24 months at 13.95% APR & 34.16% Comparison Rate
$10,000$6,925$16,925
48 months at 13.95% APR & 29.11% Comparison Rate
$25,000$14,850$39,850
60 months at 13.95% APR & 20.38% Comparison Rate
$50,000$30,285$80,285
72 months at 13.95% APR & 17.23% Comparison Rate
$75,000$42,219$117,219
72 months at 13.95% APR & 16.15% Comparison Rate

EXAMPLE: A platinum secured personal loan of $5,000 for 24 months has fees and charges totalling $1,935.15 and a total repayment of $6,935.15. The Minimum loan term is 24 months and the Maximum term 24 months. The loan term will be 24 months, 52 fortnights or 104 weeks. The Maximum APR is 13.95%. The Comparison Rate, based on a loan of $5,000 over two years, is 34.58%.
EXAMPLE: A platinum secured personal loan of $25,000 for 60 months has fees and charges totalling $14,850.43 and a total repayment of $39,850.43. The Minimum loan term is 24 months and the Maximum term 60 months. The term will be 60 months if you repay monthly, 130 fortnights or 260 weeks. The Maximum APR is 13.95%. The Comparison Rate, based on a loan of $25,000 over five years, is 20.38%.
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

Please Note: Advertised costs and repayments have been rounded up to the nearest dollar amount, so costs may be slightly cheaper in most cases. Australian Credit Licence 389067.

Get a Personal Loan up to $30,000

Want to tackle bills or fund your dreams? We'll help you achieve your goals.

Our personal loans are designed with you in mind.

Whether it's covering emergency car repairs, medical expenses, funding a wedding, or finally taking that dream vacation — we'll work with you to find the personal loan that's right for you.

Bad credit loans and Centrelink friendly* loans considered1.

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Fast & Easy Financing Options

We're here to help make things happen with personal loans up to $30,000 and vehicle finance up to $75,000.

* Money3 is not affiliated with, or endorsed by, Services Australia, but does provide personal loan and vehicle finance options which are available to recipients of benefit payments