We could help you buy a used car or new car from a dealership or private seller
Money3 may be able to help you out with auto finance & car loans when others can't.
Even if you have been refused credit by other lenders, we'll give you a fair go. We'll look into your current situation and with your car loan pre-approval1, we'll tell you how much you can afford to borrow. Our vehicle loans go up to $50,000 and that could be to finance any vehicle from a car, motorbike or van to a motorboat or caravan.
At Money3 we provide a fexible service and will consider many kinds of vehicles, either new or used. You may wish to go through a dealership or via a private sale, and we can help with either option to put you in the driving seat and on the road fast.
1. Subject to verification, suitability and affordability
Apply Online
Get started by completing our quick online pre-approval request form for car finance.
Once that is complete, with some basic information about your income and expenses, we can work out if the loan is suitable to your needs. We've made it easier by allowing you to upload your bank statements and other documents to us online automatically.
We'll Call You
After that, a member of our sales team will give you a call to review your application with you and answer any questions you may have.
Your Vehicle Loan Pre-Approval
Providing we have everything we need and we have been able to verify your details, we'll give you your loan pre-approval1. This will clarify your pre-approval offer amount. Your loan pre-approval offer is subject to final approval. This allows you to go out and find a suitable vehicle up to that amount - either new or used, from a dealership or via a private sale - it's up to you.
Find Your Vehicle
Once you have found a vehicle you want to finance, let us know and we'll take it from there.
If you have already found the vehicle you want to buy, even before we have given you your pre-approval, that's OK too. Get started by completing the short form above and we'll take it from there.
Drive Away
After you have found your vehicle and informed us you'd like to proceed and purchase it, we will do some final checks to settle your loan. If you are purchasing your vehicle through a dealership or private seller, with your authorisation, we will make the loan payment to them.
1. Subject to verification, suitability and affordability
| Borrow | Costs | Repay |
|---|---|---|
| $5,000 | $2,211 | $7,211 |
| 24 Months at 19.95% APR & 35.97% Comparison Rate | ||
| $7,500 | $3,316 | $10,816 |
| 24 Months at 19.95% APR & 39.00% Comparison Rate | ||
| $10,000 | $6,803 | $16,803 |
| 36 Months at 19.95% APR & 38.18% Comparison Rate | ||
| $12,500 | $8,252 | $20,752 |
| 36 Months at 19.95% APR & 37.19% Comparison Rate | ||
| $15,000 | $9,701 | $24,701 |
| 36 Months at 19.95% APR & 36.53% Comparison Rate | ||
| EXAMPLE: A platinum unsecured personal loan of $5,000 for 24 months has fees and charges totalling $2,210.20 and a total repayment of $7,210.20. The Minimum loan term is 12 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 $10,000 over three years, is 35.97% EXAMPLE: A platinum secured personal loan of $10,000 for 36 months has fees and charges totalling $6,802.97 and a total repayment of $16,802.97. The Minimum loan term is 13 months and the Maximum term 36 months. The term will be 36 months if you repay monthly, 78 fortnights or 156 weeks. The Maximum APR is 19.95%. The Comparison Rate, based on a loan of $10,000 over three years, is 38.18% 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. |
||
| Borrow | Costs | Repay |
|---|---|---|
| $5,000 | $2,557 | $7,557 |
| 24 Months at 25.00% APR & 44.43% Comparison Rate | ||
| $7,500 | $3,835 | $11,335 |
| 24 Months at 25.00% APR & 44.43% Comparison Rate | ||
| $10,000 | $7,903 | $17,903 |
| 36 Months at 25.00% APR & 43.47% Comparison Rate | ||
| $12,500 | $9,627 | $22,127 |
| 36 Months at 25.00% APR && 42.51% Comparison Rate | ||
| $15,000 | $11,351 | $26,351 |
| 36 Months at 25.00% APR & 41.87% Comparison Rate | ||
| EXAMPLE: A silver unsecured personal loan of $5,000 for 24 months has fees and charges totalling $2,556.20 and a total repayment of $7,556.20. The Minimum loan term is 12 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 25.00%. The Comparison Rate, based on a loan of $10,000 over three years, is 44.43% EXAMPLE: A silver secured personal loan of $10,000 for 36 months has fees and charges totalling $7,902.74 and a total repayment of $17,902.74. The Minimum loan term is 13 months and the Maximum term 36 months. The term will be 36 months if you repay monthly, 78 fortnights or 156 weeks. The Maximum APR is 25.00%. The Comparison Rate, based on a loan of $10,000 over three years, is 43.47% 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.> |
||
| Borrow | Costs | Repay |
|---|---|---|
| $5,000 | $2,767 | $7,767 |
| 24 Months at 28.00% APR & 47.66% Comparison Rate | ||
| $7,500 | $4,150 | $11,650 |
| 24 Months at 28.00% APR & 47.66% Comparison Rate | ||
| $10,000 | $8,577 | $18,577 |
| 36 Months at 28.00% APR & 46.62% Comparison Rate | ||
| $12,500 | $10,469 | $22,969 |
| 36 Months at 28.00% APR && 45.68% Comparison Rate | ||
| $15,000 | $12,361 | $27,361 |
| 36 Months at 28.00% APR & 45.05% Comparison Rate | ||
| EXAMPLE: A bronze unsecured personal loan of $5,000 for 24 months has fees and charges totalling $2,766.35 and a total repayment of $7,766.35. The Minimum loan term is 12 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 28.00%. The Comparison Rate, based on a loan of $10,000 over three years, is 47.66% EXAMPLE: A bronze secured personal loan of $10,000 for 24 months has fees and charges totalling $8,576.21 and a total repayment of $18,576.21. The Minimum loan term is 13 months and the Maximum term 36 months. The term will be 36 months if you repay monthly, 78 fortnights or 156 weeks. The Maximum APR is 28.00%. The Comparison Rate, based on a loan of $10,000 over three years, is 46.62% 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. |
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A car loan is a general term for a secured car loan. Secured loans generally have a lower interest rate than unsecured loans, as there is less risk to the lender. As a secured loan, the vehicle you purchase is secured against the loan. With Money3, when you take out a car loan with us, the money you borrow goes direct to the seller to finance the vehicle and then the seller hands over the vehicle to you. The seller could be a showroom, dealership or private seller. All vehicle loans via Money3 are secured against the vehicle you purchase.
Get your application started by completing the short form at the top of this page, or the button below.
Your application enquiry should take about 5 minutes. We'll then review all your details and make sure any loan offer is affordable for you. Once you have your loan pre-approval offer, you can start shopping for a suitable vehicle.
Yes, we do1. We look at your income as a whole, whether from Centrelink, employment or both. As long as your income is over $400 a week, we will consider your application for finance. See Centrelink Car Loans
Yes, you can1. We'll review your current situation and ability to manage your car loan repayments when evaluating how much credit you can safely manage.
To help get your car loan application approved with bad credit, you should:
All our car loans are secured loans, against the vehicle you purchase.
Yes you could1 with Money3. Whether your income is part Centrelink or 100% Centrelink, we'll look into your current situation, and providing the loan is suitable and affordable for you, we'll make you a loan offer. You could be driving away fast! See Centrelink Car Loans
Yes you can1.
No you don't. We could part or fully finance your next car purchase1. If you already have put a deposit down on a vehicle, please let us know, when we give you a call.
No, you don't have to. Sometimes it is better to know how much you can borrow, before looking at vehicles. If you already have a vehicle in mind, that is OK too. We will work with you to get the loan assessed as soon as possible.
We are happy to finance cars and other vehicles new or used. From a dealership or a private seller.
A number of factors go into determining the loan term. Your income and affordability, the amount you wish to borrow and your preference for a shorter or longer loan term. Generally, our vehicle loans are over 2 to 3 years, sometimes longer up to 5 years.
Yes, you can and there is no penalty for early repayment.
1. Subject to verification, suitability and affordability
Customers who have viewed this page and shown an interest in car loans, have also visited the following pages:
Vehicle FinanceUsed Car LoansBad Credit Car LoansSecond Chance Car LoansCentrelink Car LoansElectric Car LoansCentrelink Loans
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ABN 63 117 296 143 / Australian Credit Licence 389 782
Call us on 1300 014 870.
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