1. Subject to verification, suitability and affordability

Latest Loan Reviews

Get Your Loan Approved¹ with Money3

Whether you are looking for a new or used car, paying for car repairs, funding your next holiday or have some unexpected bills to pay, you have come to the right place.

Money3 is a lender you can trust, with a 5 star track record (see our reviews on Trust Pilot above). We offer flexible loan options to match your financial situation and needs.

Looking for a new car can be stressful enough and a nightmare if you’ve been refused credit before. That’s why it’s important to get your car loan pre-approved, so you can get the car you want with confidence. It doesn’t matter what kind of vehicle, from used cars to new cars, or from motorbikes to campervans. Money3 offers bad credit car loans¹ up to $75,000 with everything done online.

Car Loans

Car Finance up to $75,000

1. Subject to verification, suitability and affordability

Vehicle Finance

Cars

Any Vehicle Considered - Dealer or Private Sale

If you are looking for a new or a used car, from a private seller or car dealership, Money3 could help!¹.

We offer flexible vehicle finance options from $2,000 up to $75,000 and pride ourselves on good customer service and support through your application, approval and settlement process.

All vehicle types considered from motorbikes, boats to trucks. Apply today for new or Used Car Loans¹, so after pre-approval, you can shop around for the right vehicle with confidence - knowing exactly what you can afford. If you have already found a vehicle you are interested in driving away with, get started and apply today to see how Money3 could help.

How it Works

The application process is done online and should only take you 5 to 10 minutes. As a lender who goes the extra mile to find the best way to assist you, we need to take details of your current financial position into account.
Details of your income and outgoings are required and your consent for us to review what you have disclosed to us.
After that, we require 90 days bank statements. This gives us an accurate, read-only account of your financial commitments and how much disposable income you have. We use this to work out how much you can afford to borrow and to tailor your loan term and repayments.
Once we have reviewed your application, we will¹ let you know how much money you could borrow towards your next vehicle (or personal loan).
You can then start looking for vehicles online, local dealerships or private sellers.
When you have decided on a vehicle that you'd like to buy, let us know and we can guide you through the next steps.
If all goes smoothly, you could be driving away in your next vehicle in 24 to 48 hours.
The repayment of your loan should be simple, affordable and straightforward, using Direct Debit repayments.

As a responsible lender, we not only make sure the loan is appropriate and affordable for you. We will also assist you, should your situation change or for some unforeseen reason. If you experience any problems, please Contact Us, we are here to help.

1. Subject to verification, suitability and affordability

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 loan applicants a fair go. Whether you’d like to purchase with a dealership or a private seller, there may be a car loan to suit your financial situation¹.
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.
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 demonstrate that you are regularly receiving pension payments into your bank account - above $480 weekly¹.
Car Loans on Centrelink
Similar to pensioner car loans, you can apply for a car loans on Centrelink, if you are receiving regular Centrelink payments above $480 weekly¹. Applying for pre-approval with us can make your car-shopping experience quicker and easier.

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, and many other vehicles.

Simply confirm that you meet our standard 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. After signing at settlement, the Money3 team can step in and finance your deal, provided there are no issues with the vehicle.

1. Subject to verification, suitability and affordability

Loan Costs Example Chart

Platinum

13.95% APR

Silver

19.95% APR

Bronze

24.95% APR

Borrow	Costs	Repay
$5,000	$1,909	$6,909
Platinum secured personal loan for 24 months at 13.95% APR & 34.16% Comparison Rate
$10,000	$6,925	$16,925
Platinum secured personal loan for 48 months at 13.95% APR & 29.11% Comparison Rate
$25,000	$14,850	$39,850
Platinum secured personal loan for 60 months at 13.95% APR & 20.38% Comparison Rate
$50,000	$30,285	$80,285
Platinum secured personal loan for 72 months at 13.95% APR & 17.23% Comparison Rate
$75,000	$42,219	$117,219
Platinum secured personal loan for 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 389 067

Borrow	Costs	Repay
$5,000	$2,313	$7,313
Silver secured personal loan for 24 months at 19.95% APR & 40.63% Comparison Rate
$10,000	$8,676	$18,676
Silver secured personal loan for 48 months at 19.95% APR & 35.35% Comparison Rate
$25,000	$20,883	$45,883
Silver secured personal loan for 60 months at 19.95% APR & 27.39% Comparison Rate
$50,000	$42,963	$92,963
Silver secured personal loan for 72 months at 19.95% APR & 23.32% Comparison Rate

EXAMPLE: A silver secured personal loan of $5,000 for 24 months has fees and charges totalling $2,313.37 and a total repayment of $7,313.37. The Minimum loan term is 24 months and the Maximum term 24 months. The term will be 24 months if you repay monthly, 52 fortnights or 104 weeks. The Maximum APR is 19.95%. The Comparison Rate, based on a loan of $5,000 over two years, is 40.63%. EXAMPLE: A silver secured personal loan of $25,000 for 60 months has fees and charges totalling $20,883.12 and a total repayment of $45,883.12. 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 19.95%. The Comparison Rate, based on a loan of $25,000 over five years, is 27.39%. 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 389 067

Borrow	Costs	Repay
$5,000	$2,661	$7,661
Bronze secured personal loan for 24 months at 24.95% APR & 46.04% Comparison Rate
$10,000	$10,216	$20,216
Bronze secured personal loan for 48 months at 24.95% APR & 40.60% Comparison Rate
$25,000	$25,625	$50,625
Bronze secured personal loan for 60 months at 24.95% APR & 32.59% Comparison Rate
$40,000	$44,982	$84,982
Bronze secured personal loan for 72 months at 24.95% APR & 29.27% Comparison Rate

EXAMPLE: A bronze secured personal loan of $5,000 for 24 months has fees and charges totalling $2,660.80 and a total repayment of $7,661.80. The Minimum loan term is 24 months and the Maximum term 24 months. The term will be 24 months if you repay monthly, 52 fortnights or 104 weeks. The Maximum APR is 24.95%. The Comparison Rate, based on a loan of $5,000 over two years, is 46.04%. EXAMPLE: A bronze secured personal loan of $25,000 for 24 months has fees and charges totalling $25,625.34 and a total repayment of $50,625.34. 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 24.95%. The Comparison Rate, based on a loan of $25,000 over five years, is 32.59%. 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 389 067

Personal Loans up to $30,000 Online

Money3 offers personal loans up to $30,000 online.

Whether you need to borrow the money for, from car repairs, holidays, medical emergencies, weddings, vet bills or rental bonds etc., we may be able to help you. The Money3 application process is quick and easy. Even if you have had difficulty securing the right loan for you, from other lenders, we'll give you a fair go!

Personal loans without security are available up to $10,000 and with security up to $30,000.

Personal Loans

Get up to $30,000 - Any Credit Considered