How do I qualify for a van loan?

To qualify for a van loan with Money3, you need to be over 18 years old, have take home income or benefits over $480 a week, be an Australian resident, have your income paid into your bank account, and be employed or receiving Centrelink payments. After meeting these criteria, you can apply, and loan amounts and repayments may be adjusted to suit your circumstances, subject to assessment.

Can I get van finance if I’ve had credit issues in the past?

Applications from customers with bad credit are considered. Your current financial situation and ability to repay the loan are important factors.

Quick & Easy Van Loans Pre Approved up to $75,000

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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Van Loans - Any Credit Considered¹

Whatever type of van you need and whatever your credit history, Money3 may be able to help - even on Centrelink^*.

4x4 Vans
Box Vans
Chassis Vans
Electric Vans
Pick-up Vans
Tipper Vans
Refrigerated Vans
Panel Vans
Camper Vans
Microvans
Minibuses

If you have been knocked back by high street or other online lenders, you may have come to the right place. Money3 is here to give you a fair go, regardless of any bad credit history or past defaults¹.

Van loans can be approved for up to $75,000 with Money3. Whether you have already found the right vehicle or want to find out how much you could borrow, get started on your van finance by completing the quick form above. We'll give you a call back to answer any questions, or you can continue your application straight away, so you get your pre-approval request reviewed as quickly as possible. Pre-approvals are subject to final approval.

Van Finance FAQs

The lending criteria for a van loan with Money3 is as follows:

Be Over 18 Years Old
Have Take Home Income or Benefits over $480 a Week¹
Be an Australian Resident
Get Your Income Paid into Your Bank Account
Be Employed or Receiving Centrelink payments¹

After meeting the above criteria, individuals can apply for a van loan with us. At Money3, we make sure you are given a fair go when applying for a loan¹. We can adjust loan amounts and loan repayments according to your particular circumstances to ensure the loan is both suitable and affordable for you.

Yes, you could finance both new and used vans with Money3. Many customers choose used vans as they can be more affordable, and as long as the vehicle meets our lending criteria, it could be eligible for finance.

A deposit is not required. Depending on your circumstances and the van you choose, you could be able to finance the full purchase price. You could still choose to pay a deposit if you want to reduce the amount you borrow or to purchase a higher cost vehicle.

Applications from customers with bad credit are considered¹. Your current financial situation and ability to repay the loan are important factors.

Once you’ve submitted your application and provided the required details, you could receive an outcome within 24–48 hours, depending on your circumstances.

1. Subject to verification, suitability and affordability

Example Van Finance Costs Chart

Borrow	Costs	Repay
$5,000	$1,837.25	$6,837.25
24 months at 12.45% APR & 32.06% Comparison Rate
$10,000	$6,563.39	$16,563.39
48 months at 12.45% APR & 27.40% Comparison Rate
$25,000	$13,739.42	$38,739.42
60 months at 12.45% APR & 18.79% Comparison Rate
$50,000	$27,487.04	$77,487.04
72 months at 12.45% APR & 15.69% Comparison Rate
$75,000	$38,100.03	$113,100.03
72 months at 12.45% APR & 14.63% Comparison Rate

EXAMPLE: A platinum secured personal loan of $5,000 for 24 months has fees and charges totalling $1,837.25 and a total repayment of $6,837.25. 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 12.45%. The Comparison Rate, based on a loan of $5,000 over two years, is 32.06%.
EXAMPLE: A platinum secured personal loan of $25,000 for 60 months has fees and charges totalling $13,739.42 and a total repayment of $38,739.42. 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 12.45%. The Comparison Rate, based on a loan of $25,000 over five years, is 18.79%.
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.