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Second Chance Car Loans1

  • All Vehicle Types OK
  • Fast Pre-Approvals
  • Centrelink Considered1
  • Bad Credit Considered1
Man with thumb up

Get a Second Chance with Car Loans up to $50,000

If you have been knocked back by the big banks due to bad credit or a mark on your credit file, Money3 could help1.

Everybody deserves a second chance and Money3 will do its best to give you a fair go. Our second chance car loans are available for any type of vehicle from a new or used car to a truck or campervan. Your application will be considered whether you are receiving centrelink payments or have a bad credit rating.

The easiest way to find out how much you can borrow is to apply now and get your loan application pre-approved. Simply complete the short form above, giving us a few details about yourself, so we can get back in touch with you. After this short form has been submitted, your interest will be registered and we will do our best to get back to you as soon as possible during office hours. To speed things up, you will be given the option to provide some additional details online, so that we have enough information to assess your application quickly.

Get Pre-Approved Fast

Second Chance Car Loans up to $50,000

Been Refused Credit? We Could Help1

Getting your loan approved1 with Money3, may be easier than you think. Money3 will go the extra mile for you. Even on Centrelink benefits or with bad credit, as long as you meet our basic criteria and the loan is suitable and affordable for you, then you are likely to be approved!

Your pre-approval is a loan offer and is subject to final approval by Money3.

With Money3 you'll get a second chance1, even if:

Get Pre-Approved Fast

Second Chance Car Loans up to $50,000

How Does it Work?

We'd like to see you driving away with your new car as soon as possible.
If you already have a car or other vehicle in mind, or are looking to find out how much you could borrow first, we'd like to help.

Even with bad credit, as long as your income; that is earnings and Centrelink income totals $1,6001 a month or more, that you are an Australian resident, then you are likely to qualify1.

You must:

Get started by completing the short form above. Tell us a little about yourself and we'll take it from there and we can give you a call back or you can continue your application, giving us all the information we need to assess your loan pre-approval.

Get Pre-Approved Fast

Second Chance Car Loans up to $50,000

Common Questions

What is a Second Chance Car loan?

A second chance car loan (also called a bad credit car loan) is similar to any other car loan, however, due to the increased risk to the lender, the interest and repayment rates may be higher. With Money3, we like to give everyone a fair go1, so we will take your situation into consideration, so the repayments are affordable to you.

What are the advantages and disadvantages of second chance car loans?


  • A second chance of getting your loan approved
  • Manageable weekly, fortnightly or monthly repayments
  • Flexible repayment terms, built around your circumstances
  • Chance to repair and rebuild your credit rating


  • Your loan may be more expensive
  • Security may be required for larger loans

How are Money3's second chance car loans different from other lenders?

At Money3, we will give you a fair go1, so getting approved may be easier than you think. Other lenders may regard your bad credit as too much of a risk won't give you a second chance. We will look at your individual situation, when reviewing your application and will do our best to make sure that your repayments are reasonable and affordable to you.

I have made some mistakes in the past - will I really get a second chance with Money3

Yes you will get a second chance1. We will look at your current situation afresh and won't automatically reject your application, due to mistakes that may have happened in the past.

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