Second chance car finance up to $75,000

It's easy to feel discouraged if you've been turned away from other lenders before. At Money3, we believe in second chances!

  • All Vehicle Types Considered 
  • Centrelink Friendly Finance*
  • Bad Credit Considered1
  • Fast Pre-approvals
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
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We'll Give You a Fair Go!

Get back on the road with second chance car finance.

As second chance finance specialists, we assist everyday Australians.

Young woman smiling with her hands on her hips

We believe owning a car should be accessible and affordable to everyone.

Looking for a second chance loan? We'll give you a fair go. With our stress-free application process, you're in the driver's seat from the start.

set of car keys
  • 01.
    Submit your pre-approval online

    With quick, stress-free upload options for bank account statements, you can apply online from the comfort of your own home.

  • 02.
    We’ll take a look and get in touch

    Once we review your request, we’ll reach out via phone or email with your next steps to clarify how much you could borrow.

  • 03.
    Pick your new car

    Either new or used, from a dealership or via a private sale — tell us what car you'd like to buy, and we can take it from there.

  • 04.
    Drive away

    We’ll step in and organise your payment. If all goes smoothly, you could be driving away in your next car in 24 to 48 hours.

Let’s get you behind the wheel

1. Subject to verification, suitability and affordability

set of car keys

Get the money you need when you need it most.

Our experienced lenders make second chance car finance possible. No judgement, just solutions.

100% online

With easy, automatic upload options for your documents you can apply online in just 5-10 minutes.

Get up to $75,000

We'll match you with the right bad credit car loan and tailor your repayment plan to work best for you.

Drive away in 48 hrs

When it's time to buy, we can step in and organise your payment to speed things up.

Find fair and affordable car finance for every driver

With fast approvals and competitive interest rates, our second chance car loans get drivers where they need to go.

* 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

Need something else? Find finance for vans, scooters and more.

If it's not a car that you're looking for, but another mode of transport - we'll get you where you need to go.

Example Second Chance Car Finance - Costs Chart

BorrowCostsRepay
$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 $1,935.15 and a total repayment of $6,935.15. 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 34.58%.
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.

Second Chance Car Finance FAQs

This finance is offered by lending specialists who are willing to lend to customers who have been rejected before by other lenders.1

You can use the money from a secured loan to purchase your next car. Like a traditional car loan, second chance loans often involve a careful assessment of your financial situation including your car finance history and income.

Some lenders may view your bad credit as high risk and reject your application. Money3 will look at your individual situation and do our best to ensure your repayments are affordable1.

Yes, you could apply1. Whether you've previously had missed payments, or a poor credit score we will look at your current situation afresh to assess whether you qualify for our financing.

1. Subject to verification, suitability and affordability