Low rates starting from 6.74% p.a. (comparison rate from
8.13% p.a.)
with money in your bank account in as little as
60 minutes.
Won’t impact your credit score!
Find out how much your repayments and interest rate could be with our calculator.
Estimated monthly repayments
Example interest rate
Comparison rate
Total charges
$1,857.28
Total repayments
$21,857.28
It won’t affect your credit score!
Interest rate (p.a.)
up to
Comparison rates (p.a.)*
up to
Won’t impact your credit score!
Loans up to $15,000
Loans above $15,001
Monthly fee
Early exit fees
You’re ready for vehicle finance if you know you can afford to pay monthly car finance repayment. Owning a car and paying a loan both entail responsibility. When you know that you are financially capable, then that’s the time you can give it a go. MONEYME can help you make the right financial decisions so you can lead an easier and better life.
The best way to get a car loan starts with choosing the right lender. You deserve a financial service provider that is trustworthy and transparent in discussing the costs, interest rates, and terms when applying for a vehicle loan. MONEYME offers flexible financial solutions for all your needs with our range of credit services, including a personal car loan. Enjoy a fast and easy auto loan application with us today!
Vehicle finance from an online lender like MONEYME allows you to take advantage of flexible credit services to buy a new car. If you can’t afford to purchase a car in cash, you can still drive your dream car with the help of a reliable and best car finance service that offers competitive and low-interest financing. If you’re thinking about applying for vehicle finance anytime soon, knowing how it works helps you use it to your advantage.
Before you think about applying for vehicle finance, you need to review your credit score. Your credit score reveals how well you can pay for your loan. Online car loan lenders like MONEYME will do credit history checks as part of the application assessment. Credit scores can positively or negatively impact your vehicle loan. This can also affect the total amount of your loan and monthly payments. Online lenders will usually have different criteria in determining the amount of loan that you can borrow. At MONEYME, we use a loan rating score from A1+ to A5 based on your credit history.
A high credit score will allow you to avail of low-interest rates and low monthly payments. MONEYME rewards clients with a good credit history by providing favourable car finance deals. So even before considering vehicle finance, you may need to update your credit history report and improve your credit score by paying on time.
At MONEYME, you can still apply for vehicle finance even if you have a low credit score. When we make loan assessment decisions, we look at the whole picture. We consider other factors such as your employment details, income, and personal circumstances in reviewing your loan application. The new Comprehensive Credit Reporting also allows us to see both your positive and negative credit data. MONEYME does not automatically decline anyone who doesn't have a pristine credit file. Applying for a vehicle loan online becomes more flexible and possible for everyone to enjoy.
Since lenders have different criteria for assessing loans, interest rates vary. Once you’ve borrowed money to buy a car, you will repay the lender with fees based on loan interest. Interest rates show as a percentage of the loan amount and the charged rate. The loan amount will add a per annum interest rate that will largely affect your monthly payment. Lenders define fixed interest rates based on your credit score. It would be best to compare the interest rates of lenders before you sign that loan offer. A high credit score increases your chances of getting guaranteed financing.
When borrowing money, there are terms and conditions applied. The total interest fee and monthly payments depend on the loan’s repayment period, known as the loan term. Loan terms in MONEYME vary from one to five years.
You will need to consistently pay and complete the whole duration of the loan term to maintain a good credit score. Loan terms also determine when to pay the loan at a specific date every month. Missing monthly payments may add penalty charges, so avoid it as much as possible. You can avoid late payments by setting automated monthly deductions, creating a due date alert, and keeping track of all your bills and debts.
To be eligible for our cheap car finance at MONEYME, you have to be an Australian resident, at least 18 years of age, and currently employed. MONEYME’s personal loan eligibility lending criteria consider your income, expected living costs, and loan rating. To determine your eligibility for a car finance quote, you can use our free online loan repayment calculator to know how much you can afford to borrow. If you meet these vehicle loan eligibility requirements, you can submit your loan application. MONEYME provides fast and easy applications done online and completed in three to five minutes. Thanks to our smart technology, it won’t take long for you to find out if your same-day loan has been successful.
MONEYME makes applications for vehicle finance convenient and accessible. All you have to do is apply using your mobile phone and the internet. First, you need to sign up for the application form online. Filling out details will only take you three to five minutes. You need to provide information about the following:
Experience a paperless application and electronically sign the form to process your car loan. After completing all the necessary information, you can immediately submit your application. Next, we will assess your application, and you only need to wait for our same-day approval before getting your funds. Your credit score will determine the final amount, interest rate, loan term, and monthly repayment. Once you get approval, we will send you a loan offer, and if everything goes well, you can immediately get your funds directly into your bank account the same day.
Stop chasing the dream of driving your dream car and make it happen today! MONEYME gives you access to low interest rates and monthly payments. Our competitive and flexible loan offers better value for your vehicle finance. Apply for a car loan today and borrow between $5,000 and $50,000. Our tech-driven online application process will only take you minutes to complete – with absolutely no hassle! Apply for a loan today or contact us for more details.
You can get a conditional loan offer in just minutes
without impacting your credit score!
Review your loan offer, accept it, and you’ll get an
approval outcome typically within 60 minutes.
Once approved, we’ll transfer the money to your bank
account immediately, even on weekends.
Must be Australian citizen, New Zealand citizen or permanent resident
Earn more than $30,000 p.a. from employment
Must at least be 18 years old
Bank-grade security
‘Read only' access to accounts
256-bit data encryption
Won’t impact your credit score!
Won’t impact your credit score!
MoneyMe Financial Group Pty Ltd
https://www.moneyme.com.au/
AUD
1300 090 949
media@moneyme.com.au
xx
And the experience was nothing short of outstanding.
The team at MONEYME have been amazing to deal with. Super fast and helpful service & I love how easy the app is to use. 10/10 from me.
Professional and friendly people to deal with. Absolutely great dealing with MONEYME!
Terrific service and almost too easy, great communication, the timing was prompt and the App very handy.. thank you.
The app is fantastic, I like being able to see exactly where I’m at
Great customer service and quick and easy response. There were no extra cost and very happy with the rate I received.
I have had no problems at all everything was done to my satisfaction at a fast and prompt manner.
Loan was sorted quickly and with little fuss. Will use again in the future.
Efficient and Great. Fast approval with a reasonable repayment plan. Can’t ask for much more than that.
Easy to deal with very comparative I will recommend this company and I will definitely use them again and again and again .
Was a stress free application and approval received within hours. Experience was awesome, kept me in the loop when required.
Was a stress free application and approval received within hours. Experience was awesome, kept me in the loop when required. 💚
It's all about the service that is provided for the customer. Would recommend to others
MONEME were a dream to deal with, super tech, super fast and super easy! I wished I had found them sooner.
I’d gladly recommend
MONEYME has been a great help and they assisted me with all my queries.
No Fuss and easy to apply. No problems at all. Straight forward. They took all the worries and before I knew it had my loan sorted. Just great.
Easy to do business with. It was a really easy process and I would highly recommend them.
Done an amazing job, very quick and very reliable. I would recommend MONEYME to everyone. Thank you
It's all about the service that is provided for the customer. Would recommend to others
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wherever and whenever you need it.
We sponsor a child on behalf of every Australian employee. All of these children live in the same community in Uganda, called Busakira.
We partner with Canteen to help fund the delivery of vital counselling services and programs.
Canteen is an Australian not-for-profit that provides free and tailored support to young people aged 12-25 who are impacted by cancer.
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Read our statement
Reducing our environmental footprint to support Australia's path to Net Zero.
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For almost all banks you can expect
to have money available in your bank account straight away.
For a handful of smaller banks or credit unions, it may take 1 business day.
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