Recent Car Loan Reviews
Any Credit Considered1 - Approvals up to $75,000!
Money3 may be able to help you out with a car loan when others can't.
Even if other lenders have refused you credit, we will give you a fair go, for bad credit car loans. 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 $75,000. That could finance any vehicle from a car, motorbike or van to a motorboat, trailer 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. 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
Get the money you need, with the service you deserve
Need help getting from A to B?
We streamline our car loan application process to make it fast and headache-free.
- 01.Fill out your pre-approval request online
Apply online with quick upload options for bank account statements, we've made financing your car easy.
- 02.We’ll take a look and get in touch
Sit tight as we review your request. With quick turnaround times, we’ll reach out via phone or email with your next steps.
- 03.Receive your pre-approval offer
Once we have all the information we need, we'll clarify how much you can borrow, and you can start shopping around for a vehicle.
- 04.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.
- 05.Drive away
After some final checks, we’ll proceed to purchase. If you give us the green light, we can step in to make the payment on your behalf.
1. Subject to verification, suitability and affordability
Why Choose Money3?
Money3 is a specialist non-bank finance provider. We offer many types of loans to help people from all backgrounds and financial situations.
Giving You a Fair Go
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.
Flexible Lending
We are responsible lenders with tailored solutions. Our loan requirements are flexible with terms appropriate to your needs.
Focus on Customer Care
Our professional and friendly customer service team will guide you through your loan application and repayment process.
Wide Range of Product Offerings
We offer a wide range of lending options. From vehicle finance, 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
Ready for a new car? We'll give you a fair go!
Apply in minutes
With automatic upload options for your bank statements, our application process is 100% online and takes about 5 minutes to complete.
Get up to $75,000
Need a new or used car? Our car finance covers both. We'll work out the right loan for you, so that payments match your budget and affordability.
Drive away in 24-48 hours
When it's time to buy, we’ll step in and organise your vehicle purchase. If all goes smoothly, you could be driving away in under 48 hours.
When life gets tough, we’re on your side
Bad credit holding you back?
Don't let a bad credit rating slow you down. As a specialist non-bank lender, we’ll give you a fair go.
Are you receiving Centrelink income?
If you're claiming Centrelink benefits, you might need a car more than ever. We'll help you weigh up your options and manage your monthly payments.
Looking for a different type of vehicle?
Not interested in a car? Check out our vehicle finance options, from motorbikes and caravans to boats and jet skis.
* 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
Example Car Loans Costs Chart
| Borrow | Costs | Repay |
|---|---|---|
| $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 $1,909.35 and a total repayment of $6,909.35. 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 34.16%.
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.
Car Loans FAQs
A car loan is a general term for a secured auto loan. Secured loans generally have a lower interest rate than unsecured loans, as there is less risk to the lender. As a secured loan, you secure the vehicle you purchase against the loan.
With Money3, when you get a car loan, we send the money straight to the seller. Then, the seller hands over the vehicle to you. The seller could be a showroom, dealership or private seller. Money3 secures all vehicle loans against the vehicle you purchase.
You can trust Money3 with your vehicle finance application1. We operate under an Australian Credit Licence. We could offer you the right car loan suited to your financial circumstances1. With Money3, your loan amount can reach a maximum of $75,000 depending on your needs and affordability1.
Whether getting a car loan is worthwhile or not depends on your financial circumstances and transportation needs. It may be worthwhile; If you do not have enough funds to purchase a vehicle outright but have a need to fund the purchase quickly.
Finance could help you get the car of your dreams. You won't have to wait months or years to save enough money.
You can contact us to answer any questions you may have regarding the car loan process.
Buying a car on finance is a quick and secure way to obtain your dream vehicle faster than saving up and paying cash.
Successfully paying off a car on finance may also increase your credit rating or score - improving your chances of obtaining another loan in the future, or a loan at a better rate1.
Simply complete your vehicle finance application to get started.
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.
You can apply for a loan even if you are a self-employed worker1.
Yes, you could1. At Money3, we will look at your current situation. We will also check how well you can manage your car loan repayments. This helps us calculate how much credit you can handle safely.
To help get your loan application approved with bad credit, you should:
- Have a regular income over $480 a week
- Be as honest as possible in your application
- Avoid heavy gambling
You might have a better chance of getting a car loan with a specialist lender like Money31. This is often easier than with a bank that has strict lending rules.
All our vehicle loans are secured against the vehicle you purchase. We do not offer unsecured loans for cars.
However, it may be possible to get a car repair loan without providing any additional security. The loan could be for up to $30,000.
Yes you could1 with Money3. Money3 is not affiliated with, or endorsed by, Services Australia.
However, we do offer loans to customers receiving Centrelink payments. Whether your income is part benefits 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 Friendly Car Loans*.
How much you can borrow for a vehicle depends on your financial situation. It also depends on your ability to manage the loan repayments over the loan term1.
At Money3, you could borrow up to $75,000 for your next vehicle1.
Check out our car loan repayment calculator to get an idea how affordable your loan would be.
The interest rate you’re offered will depend on your personal circumstances, including your credit history, income, loan amount, and vehicle type.
At Money3, all our car loans all have fixed interest rates, so your repayments stay the same throughout the loan term.
Once you apply, we’ll assess your situation and let you know the rate you qualify for1, with your loan offer.
There are no hidden fees, and you’ll get a clear breakdown of your repayments upfront.
Fixed rate loans offer predictable repayments that won’t change over the life of your loan. This makes it easier to budget, as you’ll know exactly how much is coming out each week, fortnight or month.
With a fixed rate, you’re protected from interest rate rises, which can give you extra peace of mind when planning your finances.
In comparison, variable rate loans can go up or down over time depending on market conditions.
If rates fall, your repayments may decrease - but if rates rise, you could end up paying more. For many borrowers, the stability of a fixed rate is a safer and more manageable option.
Yes, you can. 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.
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
