About MONEYME
Personal loans for kicking goals
Low rates starting from 5.99% p.a. (comparison rate from 6.70% p.a.*) with money in your bank account in as little as 60 minutes.
Won't impact your credit score!
Why our customers love us
Low rates that
beat the banks
MONEYME
from 6.70% p.a.
ANZ
from 8.18% p.a.
NAB
from 8.53% p.a.
Westpac
from 9.18% p.a.
CommBank
from 9.64% p.a.
Click here for important information on comparison rates. All rates are for variable rate loans, unless noted with an asterisk (*), which indicates a fixed rate loan. Comparison excludes short-term promotional rates. Last updated 31/03/25.
Won't impact your credit score!
A car loan built around you
Great low rates
Low rates that beat the banks. Put more money back in your pocket.
Your loan, your timeline
Choose a loan term that fits your budget. No early repayment fees.
Get a quote in minutes
See your interest rate and repayments without impacting your credit score.
Same-day loans
Fast approvals, instant transfers. Money in your account in as little as 60 minutes.
Award-winning lender
Low rates, no surprising fees
Variable interest rate
5.99
%p.a.
up to
24.49
%p.a.
Comparison rate*
6.70
%p.a.
up to
25.87
%p.a.
Won't impact your credit score!
Establishment fee
$0 - $395
Loans up to $15,000
$0 - $495
Loans above $15,001
Loan term
3 to 7 years
Our fees
$10
Monthly fee
$0
Early exit fees
*This comparison rate is based on an unsecured variable rate personal loan of $30,000 for a term of 5 years. Rates displayed are for customers with an excellent credit history, where a $0 establishment fee applies. For other borrowers, an establishment fee of $395 or $495 will apply, based on loan amount. A $10 monthly fee applies to all personal loans. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Get a quote for a car loan in minutes
You can check your car loan interest rate and repayments online with an obligation-free quote. It only takes a few minutes and there's no impact on your credit score.
1Check your rate and repayments
You can get a conditional loan offer in just minutes
without impacting your credit score!
2Submit your application
Review your loan offer, accept it, and you'll get an
outcome typically within 60 minutes.
3Same-day funding
Once approved, we'll transfer the money to your bank
account immediately, even on weekends.
Won't impact your credit score!
A different kind of lender
Quick quotes, fast approvals
We cut out unnecessary paperwork and delays with lending that's fast, simple, and built around you.
Transparent and flexible
No lock in contracts, hidden fees or surprises - just flexible options that keep you in control.
Real support, real fast
Speak to a real person if you have questions, we usually answer calls in seconds.
For people and the planet
We care about our social and environmental impact, and we're proudly B Corp Certified.
Won't impact your credit score!
When it comes to cheap car finance, everyone will go for low-interest rates and affordable monthly repayments as such features make auto loans more attractive and very affordable. If you’re looking for online loans that serve the best way to finance a car with fast approval and flexible repayment terms, then stop your search as MONEYME offers a cheap car finance option to make buying your own car hassle-free with less waiting time.
Our quick and easy online application speeds up the approval process and fund transfer, so you can buy the car of your dreams. MONEYME also makes online car financing reliable with secure and competitive interest rates for your auto loans. Enjoy a worry-free plan for car instalments and find easy new loan choices with the best car loan rates that only MoneyMe can offer.
How does car finance work?
Getting cheap car finance with manageable monthly repayments and low-interest rates is not far from reality with trusted auto finance lenders.
You don’t necessarily have to withdraw a lump sum amount in your savings to buy a car upfront. You can avail of vehicle loans that help you pay for your dream car with loan terms that can go from one to five years. If you’re looking for the best place to get a car loan with secure low-interest rates and low monthly repayments, let MONEYME stop your endless searching with our financial solutions.
To determine your ability to comfortably repay your loan, cheap car finance lenders review your credit score based on the information you provided. Upon applying at MONEYME, you will be asked for personal and financial information to help us process your auto loans, such as your income, expenses, debt obligations, and overall creditworthiness. We have our own loan rating and we usually give a score from A1+ to A5 for each customer which is mostly determined by your credit history. Your credit history will determine your credit score which will be the basis to set your interest rates, monthly repayments and loan term. MONEYME rewards customers with a good credit history by providing them with lower monthly costs. Once you apply, you will know the specific costs and repayments outlined on our costs page.
Remember that if you have an excellent credit score, you’re likely to be offered more favourable interest rates. Once your interest rate has been determined, you will be presented with options for loan terms and you can choose to pay off your auto loan within one to five years.
After deciding on your loan term, you will know your monthly repayment cost. This will give you an idea of how much fees and charges you can afford to pay, and how much you’re able to save. Your monthly loan payment should not exceed the total cost of the car, as that may result in not-so-great credit.
Once you’ve agreed to the monthly loan repayment cost, you can sign your loan contract.
How much can I borrow for car finance?
Car financing entities vary in offering you the amount that you need for your automotive finance. Depending on your credit history and credit score, online money lending companies like MONYEME can offer loans ranging from $5,000 to $50,000. Our highly competitive interest rates give you flexible repayments with no early exit fees.
Thus, a good credit score gives you the benefit of getting low-interest rates. However, you don’t need to worry even if you don't have an excellent credit score, as you have the chance of still getting an approved loan at MONEYME . We have a starting interest rate of 6.95% p.a. with fees and other charges that may apply if you don’t pay on time.
So before you think of applying for small car loans, make sure you improve your credit score by paying your loan consistently and on time to secure the best low-interest rate that you can ever have.
How long does car finance approval take?
Financing a car through a dealership, banks and other financial institutions will usually take days or even weeks. You may even need to follow up on your loan application if you don’t hear anything back within a given time. However, tech-savvy online providers like MONEYME makes car loan approval fast and done within the same day. MONEYME’s advanced tech-driven platform makes car loan finance paperless and completed in a matter of minutes after applying for an online loan. You can be sure that the application processes, car loan comparison rates, loan approvals, and fund transfer becomes easy and fast in just one click.
Enjoy the cheapest car loan offer online with MONEYME. We provide a secure and lowest possible interest rate from our quick and easy online application process and same-day approval. Avail of our great offer and get a cheap car finance loan ranging from $5,000 to $50,000.
Talk to us if you want to know more about our auto loan financing options.
Trusted by over 110,000 Aussies
Won't impact your credit score!
Purpose-driven
and responsible
At MONEYME, we're not just here to provide low rate loans - we're here to make a difference. We believe in providing smart, responsible lending that keeps you financially on track, whilst doing good for the planet.
As a Certified B CorporationTM we're big on sustainability. We hold ourselves accountable to the high standards of the B Corp movement, supporting renewable energy projects, doing our part for the community, and striving towards a greener future.
Explore our impact
*This comparison rate is based on an unsecured variable rate personal loan of $30,000 for a term of 5 years. Rates displayed are for customers with an excellent credit history, where a $0 establishment fee applies. For other borrowers, an establishment fee of $395 or $495 will apply, based on loan amount. A $10 monthly fee applies to all personal loans. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
MONEYME acknowledges Aboriginal and Torres Strait Islander peoples as the first people and Traditional Custodians of the land and waterways throughout Australia. We recognise their continued connection to culture, community and Country, and pay our respects to Elders past and present. Learn more about our commitment here.
Our business hours
Sydney/Melbourne time
Customers
Monday - Friday
8AM-7PM
Saturday
9AM-6PM
Sunday
Closed
Partners
Monday - Friday
8AM-5PM
Saturday & Sunday
9AM-3PM
Customer support
Copyright 2025 l MoneyMe Financial Group Pty Ltd l ABN 40 163 691 236 l Australian credit licence number 442218 | Credit criteria, fees, charges, terms and conditions apply.