Equipment Loans up to $50,000

  • All Equipment Considered
  • Vehicles, Office, Building & Medical...
  • Centrelink Considered1
  • Bad Credit Considered1
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Equipment Finance up to $50,000

Money3 offers secured equipment loans up to $50,000 for many different circumstances. provide you with an equipment loan to cover any type of commercial equipment that your business needs, including:

  • Trucks
  • Forklifts
  • Mowers
  • Office Equipment
  • Medical Equipment
  • Farming Equipment
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Equipment Loans up to $50,000

Equipment Loan Calculator

Before applying for equipment finance, you may want to use our equipment loan calculator below. Simply select the amount you wish to borrow to get an indication of what your weekly, fortnightly, or monthly repayments could be.

You will also get an estimation of how long your loan will last, known as the ‘loan term’. Because our equipment finance loans are secured against the equipment you purchase, interest rates are generally lower than with a similar unsecured personal loan from Money3.

Example Equipment Loans Costs Chart

19.95% APR
25.00% APR
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
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
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

Bad Credit Equipment Loans

At Money3, we believe in giving everyone a fair go1. We don’t think you should be unable to secure equipment finance because you have bad credit history or receive income from Centrelink.

Whether you’re looking for farm equipment loans to access some heavy machinery, a smaller level of finance to upgrade your home office equipment, or anything in-between, Money3 could help you make it happen.

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Equipment Loans up to $50,000

Why We're Different

Applying for one of Money3’s equipment finance options is a simple, transparent and stress-free process at every stage.

You don’t need to worry about any hidden fees or charges - every detail of your loan will be available for you to see upfront. Our secured business loans for equipment give you the flexibility needed to manage your repayments and keep on track.

With clear upfront fees and flexibility in managing your repayments, Money3 could give you an affordable way to finance the commercial equipment your business needs.

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Equipment Loans up to $50,000

Popular Questions

How do I get an equipment loan?

Applying for an equipment loan with Money3 is simple and straightforward. We will require some basic details from you, including your contact details, employment details, and a breakdown of your income and expenses. We will also need a digital copy of your bank statements, which you can submit online securely via our partner illion.

Once you submit your application, we will review it and come back to you quickly with a decision.

Why use a loan for equipment financing?

Deciding whether to hire, purchase, or use a finance lease to get key vehicles, machinery, and equipment for your needs can be tough. Money3’s finance options could help you purchase necessary equipment with an affordable loan so that you end up owning it once you’ve completed your repayments.

In short, a loan will allow you to purchase and keep the equipment as a permanent asset. This could be a lot more cost-effective in the long term than relying on a commercial hire or lease agreement.

What is an equipment loan?

A secured equipment finance loan from Money3 is similar to a secured car loan or chattel mortgage, where the asset you are purchasing (in this case, a piece of work-related equipment) provides the security for the loan.

Equipment financing through Money3 could help you secure machinery and other tools needed to improve your work and effeciency. This can even include a vehicle you need for your business like a ute or transport truck.

What is a chattel mortgage?

A chattel mortgage is used to finance business equipment and is basically the same as a secured car loan, except that the asset or ‘chattel’ is for a business purpose. The lender will pay the lump sum on your behalf, and you will make regular repayments + interest. At the end of the loan term, you will have ownership of the asset.

How are Money3’s equipment loans different from other lenders?

Money3 will give your application for equipment finance a fair go1. If you have bad credit history or receive income from Centrelink, many other lenders may automatically reject your application for finance because they see you as too risky.

At Money3, we will still consider your application even if you have had bad credit in the past or receive money from Centrelink. We care about ensuring that your loan is affordable for you based on your current financial circumstances.

Money3 is a responsible lender regulated by ASIC. Our Australian Credit Licence is 389 782.

What is the interest rate on equipment loans?

Equipment loan interest rates depend on what level of equipment financing you qualify for, based on your financial circumstances. Look at the Example Equipment Loan Cost Chart above to see our loan comparison rates.

Can I pay back my loan early?

If you would like to pay back your loan early, you can do so anytime. Money3 does not have any early repayment fees or charges, so there’s no downside to repaying the rest of what you owe early if you wish.

What if cannot make my repayments?

The Money3 team takes a fair and flexible approach to help you manage your repayments. If you know you won’t be able to make a repayment, please contact us on 1300 014 870, email us at, or fill out the Member Support contact form.

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