Drive Away with up to $75,000

You may be eligible for vehicle finance¹ if you are over 18 years old, an Australian resident (permanent resident or citizen), and have a minimum income of $480 a week or $2,080 a month, including Centrelink benefits. Even if you have bad credit or are self-employed, your application will still be considered.

Yes, you can apply even if you have bad credit¹. Money3 considers applications from individuals with less-than-perfect credit histories and strives to give you a fair go. See our bad credit car loans page for more details.

Yes, applications from self-employed individuals or those receiving Centrelink benefits are accepted¹. Most Centrelink benefits, such as Single Parent Payment, Aged Pension, and Disability Support Pension, are considered acceptable forms of income.

See our car loans on Centrelink page* for more details.

Eligible vehicles include cars, motorbikes, caravans, campervans, RVs, trailers, boats, jetskis, vans, trucks, and tractors - and more!

See our vehicle finance page to learn more about which vehicles could qualify.

Yes, you can use the loan to purchase a second-hand vehicle as long as it meets the eligibility criteria.

As our application is 100% online, you will not typically be required to provide any documents. We have made the application as streamlined as possible with your 90-day bank statements taken digitally via our secure partner, illion, as part of your application. The application can generally be completed in around 5 minutes for most applicants.

Pre-approval for vehicle finance typically takes 24 to 48 hours after you submit all the required information.

Fees may include an application fee, monthly account fees, and a risk fee for loans over $12,000. However, there are no penalties for early repayment. Any fees will be available for you to review, prior to signing your loan with us.

The interest rate for your vehicle finance loan will be fixed, ensuring that your repayments remain consistent throughout the loan term.

Yes, you can pay off your vehicle finance early without any penalties.

After you submit your application, it will be assessed, typically within 24 to 48 hours. If pre-approved, you'll need to choose your vehicle and sign the loan agreement for the funds to be released to the seller.

Once your loan is fully approved and the loan agreement is signed, the funds will be released for the purchase of your vehicle to the vendor (seller).

Repayments are typically made via direct debit from your bank account.

If you miss a payment, it’s important to contact Member Support as soon as possible to discuss your options and help you get back on track.