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 car 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 flexible 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
Vehicle Finance
Cars
Motorbikes
Used Cars
Campervans
Vans
Minibuses
Caravans
Trailers
Boats
Jet Skis
Trucks
Ride on Mowers
Equipment
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 Contact You
After that, a member of our sales team may give you a call to review your application with you and answer any questions you may have, or we may contact you by email or SMS to update you on your application.
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
Money3 is a specialist non-bank provider, offering many different types of loans to assist people from all walks of life, in a variety of financial circumstances.
We’ll give your loan application a fair go, even if you have been turned away by other lenders before. We assess your financial circumstances thoroughly to ensure you are offered a loan that is appropriate for you1.
We are responsible lenders with tailored solutions. Our loan requirements are flexible with terms appropriate to your needs.
Our professional and friendly customer service team will guide you through your loan application and repayment process.
We offer a wide range of lending options. From car loans, to personal loans, to boat loans, you’re sure to find a finance option to suit your needs at Money3.
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:
We offer a wide selection of vehicle finance options. Whether you are looking to finance a car, motorbike, caravan or boat, you can find finance options of up to $50,000 with Money3.
Looking to purchase a used car? Money3 offers used car loans to help you obtain the finances you need to purchase a pre-loved car.
You may be able to obtain a car loan with Money3 even if you have poor credit history. We give everyone a fair go.
You may be feeling discouraged if you’ve been turned away from a lender before. Rest assured that with Money3, we may give you a second chance at a loan.
If you are on Centrelink income, you may still be able to apply for a car loan with Money3. Get one step closer to your dream car with Money3’s Centrelink car loans.
Are you looking to purchase an electric car? Money3’s electric car loans can help finance your new purchase.
1. Subject to verification, suitability and affordability
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.
Whether getting a car loan is worthwhile or not depends on your financial circumstances and transportation needs. Getting a car loan may be worthwhile if you do not have enough funds to purchase a vehicle outright but have a need to fund the purchase quickly. You may also benefit from a car loan if you have the right vehicle, but do not have enough savings to cover the complete costs upfront. A car loan can help bridge the gap and allow you to drive away in the car of your dreams, without having to wait months or years to save up enough money.
You can speak with a Money3 team member for advice on getting a car loan.
Different banks and independent dealers will have varying loan conditions and costs (such as interest rates). Whether one is better than the other depends on your financial circumstances and preferences.
Banks generally have very strict lending criteria. You may be more likely to be offered a loan1 if you have poor credit history or are on Centrelink income with a specialist lender like Money3.
Get your application for a car loan online 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.
The application process is quick and simple, so the information you need to complete your application should be easily on hand. You'll need to confirm your contact details, address, employment details and regular expenses. Optionally, you can confirm your driving licence, which will help speed up your application. After that, due to responsible lending concerns, we require 90 days bank statements which can be given securely online in a few minutes.
Yes, we do1. We look at your income as a whole, whether from Centrelink, employment or both. As long as your income is over $425 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:
See also: Bad Credit Car Loans.
All our car loans are secured loans, against the vehicle you purchase. We do not offer unsecured loans for cars.
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
How much you can borrow for a car loan may depend on your current financial situation and your ability to manage the loan repayments over the loan term.
At Money3, you could borrow up to $50,000 for your car loan1.
Yes you can1 apply for easy car loans as a self-employed worker.
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. Whether you are looking to purchase a new or used car from a dealership or a private seller, Money3 could help1.
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.
Please check out our Car Loan Calculator for a general guide of repayments for different loan amounts with us. Our calculator takes into account your car loan interest rate and other ongoing fees so that you can compare car loans effectively.
At Money3, we believe in giving every individual a fair go at car finance, including those on Centrelink income and with a poor credit history. We operate under an Australian Credit Licence and can offer you the right car loan suited to your financial circumstances1. With Money3, your loan amount can reach a maximum of $50,000.
We also offer several car loans so you can find the best car finance option for your needs, including bad credit car loans, second chance car loans, pensioner car loans, used car loans, and Centrelink car loans.
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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Customers who have viewed this page and shown an interest in car finance, have also visited the following pages:
Vehicle FinanceUsed Car LoansBad Credit Car LoansSecond Chance Car LoansCentrelink Car LoansElectric Car LoansCentrelink LoansSmall Car Loans
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ABN 63 117 296 143 / Australian Credit Licence 389 782
Call us on 1300 014 870.
