Car Loans up to $50,000¹

We could help you buy a used car or new car from a dealership or private seller

All Vehicle Types OK
Fast Pre-Approvals
Centrelink Considered¹
Bad Credit Considered¹

Recent Car Loan Reviews

Any Credit Considered¹ - Car Loans up to $50,000!

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.

Get Pre-Approved Fast

Car Loans up to $50,000

1. Subject to verification, suitability and affordability

Cars

Used Cars

Trailers

Jet Skis

Trucks

Ride on Mowers

Equipment

How it Works

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.

Quick Apply Form

Vehicle Loans Pre-Approved up to $50,000

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.

City Cars
Sedans
Hatchbacks
Compact Cars
Station Wagons
Hybrid Cars
Electric Cars
Luxury Cars
SUVs
Utes
Second Hand cars

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.

Quick Apply Form

Vehicle Loans Pre-Approved up to $50,000

1. Subject to verification, suitability and affordability

Example Car Loans Costs Chart

Platinum

19.95% APR

Silver

25.00% APR

Bronze

28.00% APR

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.

Common Questions

What is a car loan?

A car loan is a general term for a secured vehicle 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.

How do I apply for a car loan?

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.

Get Pre-Approved Fast

Car Loans up to $50,000

Do you provide car finance to people on Centrelink?

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.

Can I get vehicle finance if I have a bad credit history?

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:

Have a regular income over $400 a week
Be as honest as possible in your application
Avoid heavy gambling

Do you offer both secured car loans and unsecured car loans?

All our car loans are secured loans, against the vehicle you purchase.

Can I apply as a self-employed worker?

Yes you can¹.

Do I need to have a deposit to qualify for vehicle finance?

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.

Should I find a vehicle first, before I apply to Money3?

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.

Do you finance used or only new cars?

We are happy to finance cars and other vehicles new or used. From a dealership or a private seller.

How long is the loan term?

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.