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 finance for all.
- You’re in the driver’s seat from the start
We'll give your application a fair go, and we will consider bad credit, self-employment and Centrelink income. Whether you are looking for vehicle finance or a personal loan, our team are here to help.
- Get $2,000 to $75,000 for any vehicle
Cars, motorbikes, caravans, trailers or boats — 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 and opportunities
Car repairs, home improvements, holiday loans, weddings, vet bills or rental bonds and our seasonal loans for Christmas — we could help you get up to $30,000 to take care of unexpected costs.
- Hassle-free repayments
Get simple, affordable and straightforward loan repayments via Direct Debit. Monitor and manage your loan repayments via our Members Area or speak with our friendly customer service team.
1. Subject to verification, suitability and affordability
Rest easy knowing that you're getting a fair deal.
We'll give you a fair go - whatever your credit history
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.
- 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
Car Finance from Money3
Money3 offers a variety of car loan products for our customers. Depending on your financial circumstances, you may be able to access finance with lending criteria that are specific to you1. Below are some of our most common car loans options.
- Car Finance
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 Finance
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 loan options so that you can finance cars, 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
| Borrow | Costs | Repay |
|---|---|---|
| $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 $1,909.35 and a total repayment of $6,909.35. 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 34.16%.
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.
We understand that life's unexpected expenses can arise at any time. That's why we offer flexible personal loans up to $30,000 to help cover anything from emergency car repairs, medical expenses, funding a wedding, taking that dream vacation or fast cash loans — we'll work with you to find a personal loan that's right for you. With terms from 2 to 5 years and a minimum loan amount of $2,000, our personal loans are designed to fit your individual financial needs.
We believe in giving everyone a fair go, which is why we consider applications, even from individuals with credit problems or who receive Centrelink payments. With Money3, you could qualify for the financial assistance you need to navigate life’s challenges, backed by our commitment to excellent customer service.
Loans with bad credit and loans on Centrelink* considered1.
Fast & Easy Financing Options
Car Finance
Car loans available up to $75,000 with no deposit needed. Used or new vehicles considered, and we'll give you a fair go!
Bad Credit Car Loans
Car finance available up to $75,000 with fast pre-approvals - bad credit considered.
Car Loans on Centrelink*
We'll give you a fair go and factor in your income from benefits to make sure your car loan is affordable, and your repayments are manageable for you.
Vehicle Finance
Interested in a boat, motorhome, motorbike, jet ski or something else? We have vehicle loan options available up to $75,000 with bad credit or Centrelink* considered!
Caravan Finance
Make the dream real, whether it is a caravan, campervan or trailer. Finance available up to $75,000
Personal Loans
Get a fair go, whatever your credit history. Personal loans up to $30,000 for all kinds of purposes, from car repairs, holidays to home improvements.
Loans on Centrelink*
Your income from benefits can help get your loan approved with us. We'll give you a fair go!
Bad Credit Loans
Regardless of your previous credit history, we'll give you a fair go with affordable loan terms that match your needs.
* 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
Money3 FAQs
Money3 has been a trusted non-bank finance provider since 2000, known for our fair and supportive approach especially to those ignored by traditional credit providers. With over 2,000 5-star reviews and a 4.6 Trust Pilot rating, we are committed to providing excellent service.
We'll give you a fair go!
Learn more about Why Money3.
Money3 specialises in providing both car loans and personal loans. You could borrow1 up to $75,000 for car loans with terms up to 7 years, and up to $30,000 for personal loans for a variety of needs such as medical expenses, holidays, or emergencies, with terms ranging from 2 to 5 years.
Applicants must be over 18 years old, take home an income (including benefits) of over $480 a week, be an Australian resident, and have their income paid directly into their bank account. We consider applicants with bad credit, receiving Centrelink payments (except Newstart Allowance, Youth Allowance, Abstudy, or Austud as the sole income), or those who are self-employed.
Determining how much you could borrow for vehicle finance or a personal loan with Money3 depends on several factors, including your income, expenses, and overall financial health. To get a better idea of the maximum loan amount that might be affordable for you, we recommend using our finance calculator.
For vehicle finance, you could potentially borrow up to $75,000, while for personal loans, the maximum available amount is $30,000.
Please consider your disposable income and ensure that the loan repayments are manageable alongside your other financial obligations. Money3, as a responsible lender, will also conduct a thorough assessment of your financial situation to ensure that any loan offered is suitable and affordable for you.
Start by clicking Apply Now and complete our online application form, which takes about 5 to 6 minutes. You’ll need to provide personal and financial details, including digital copies of your bank statements via our partner, illion. Our assessment typically takes 24 to 48 hours, provided we have all necessary information. Learn more about how it works at Money3.
Yes, it is possible1. Most Centrelink benefits are considered as part of your income. However, we cannot provide loans or finance, if your only source of income is from Newstart Allowance, Youth Allowance, Abstudy, or Austud.
Learn more about your loan options when on Centrelink benefits.
The minimum loan amount you could borrow1 from Money3 is $2,000. The maximum loan amount for vehicle finance is $75,000 and for personal loans is $30,000.
The best way to contact us is via online chat or phone on 1300 014 870, during office hours (9am - 5.30pm EST, Monday to Friday). For non-urgent inquiries outside business hours, please use the Contact Us form on our website, request a callback or email us at customercare@money3.com.au.
After submitting your application, it will usually be assessed within 24 to 48 hours.
For vehicle finance, if your application looks good, you'll receive a pre-approval to start shopping for a new vehicle within your budget.
For personal loans, upon approval and signing of the loan agreement, the funds will be transferred directly to your account.
1. Subject to verification, suitability and affordability
