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!
Car Loan

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

Great low rates

Low rates that beat the banks. Put more money back in your pocket.

Your loan, your timeline

Your loan, your timeline

Choose a loan term that fits your budget. No early repayment fees.

Get a quote in minutes

Get a quote in minutes

See your interest rate and repayments without impacting your credit score.

Same-day loans

Same-day loans

Fast approvals, instant transfers. Money in your account in as little as 60 minutes.

Car loan calculator

Enter your loan details

Don't know your score? Check for free

Estimated monthly repayments

$0.00

Example variable interest rate

8.7% p.a.

Comparison rate*

10.08% p.a.

Total charges

$0.00

Total repayments

$0.00

It won't affect your credit score!

Award-winning lender

Award atf
ratings

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!
Check our rates

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.

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Must be Australian citizen, New
Zealand citizen or permanent resident

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Earn more than $30,000 p.a. from employment

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Must at least be 18 years old

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Bank-grade security

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‘Read only' access to accounts

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256-bit data encryption

Won't impact your credit score!
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A different kind of lender

Quick quotes, fast approvals

Quick quotes, fast approvals

We cut out unnecessary paperwork and delays with lending that's fast, simple, and built around you.

Transparent and flexible

Transparent and flexible

No lock in contracts, hidden fees or surprises - just flexible options that keep you in control.

Real support, real fast

Real support, real fast

Speak to a real person if you have questions, we usually answer calls in seconds.

For people and the planet

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!

Easy Car Finance

Careful customers in Australia would often look for a business that supplies easy car finance as they take their time in physical and virtual dealerships. Certainly, shopping on a budget is the way to go – it removes uncertainty and allows you to see what vehicle models you can actually afford. That is why MONEYME makes the process much simpler by providing you with convenient and reliable car loans.

All you’ll need to do is fill up our 100% online application form, and our team of car finance specialists will take it from there. We’ll find a loan that suits your budget and let you know what your repayments will be. You will then receive an auto loan instant approval from our professional team.

Learn more about our exclusive advantages and see why MONEYME is one of the best car loan lenders in the market.

How does car financing work?

We pride ourselves on giving advanced yet intuitive solutions to just about any car buyer. In fact, our vehicle finance is so straightforward that even those borrowing money for the first time would have a breeze. Simply think of our offer as an alternative to a no credit car loan, but with so many more unique benefits.

To give you a better idea of how MONEYME operates, we have listed below brief descriptions of our modern lending process and secure online system.

Modern lending process

Undoubtedly, looking for the perfect vehicle deal can already be such a complex process, so why complicate your situation further with small car loans that don’t give you a pleasant experience?

When you apply at MONEYME for easy car finance, you can rest assured that our modern lending process will give you convenience like no other. Rather than physically queuing up, submitting documents, and signing paperwork for secured car loans, you can invest in our collateral-free offer with just a few simple clicks.

Secure online system

Going completely paperless doesn’t mean that security and privacy are compromised. Easy finance for cars can be done online – arguably with more data protection.

The availability of the premium services at MONEYME allows you to make submissions on a secure online system. With Provisio technology (the standard encryption software used by the top banks in Australia), our expert team receives read-only copies of your bank statements. You can rest assured that your information is in good hands and that no one can touch your account or keep records of your transactions.

If you want to know more about our easy car finance, visit our website or download our mobile phone app available on both iOS and Android.

What documents do I need to get car financing?

When it comes to our easy car loans, you would just have to submit documents that provide us with your personal, financial, and vehicle information. This way, our dedicated expert team can quickly review your request.

  • Personal information. For this requirement, a driver’s licence or any other similar ID would suffice. If it shows us that you are above the age of 18 and a resident of Australia, then it can be used for our easy car finance application.
  • Financial information. We’ll need statements that show your bank transactions. This will give us more information on the maximum spending limit you can afford.
  • Vehicle information. Lastly, for secured car loans, you should present us with the purchase price, VIN and registration number, and comprehensive car insurance policy of your prospective vehicles. Doing this will help us see what price range you’re currently eyeing. If you’re applying for unsecured personal loan options, there’s no need to present vehicle information.
  • Worried about your credit score? Don’t fret, you won’t have to search for terms like ‘car loan no credit’ or ‘car finance for people without great credit’ on Google anymore.

We look at more than just your raw numerical score. For instance, we take into account your sources of income, debt obligations, and living expenses. Even if you don't have an ideal credit history, we’ll make sure to analyse your past and present situation. If we can determine that you can pay for our rates and fees, our expert team will happily give you an auto loan instant approval.

Say goodbye to no credit check car loans and become one of the proud vehicle owners in the MONEYME community!

How to apply for car financing? Applying for our easy car finance is exactly what it sounds like – easy. Some customers would even say that MONEYME is the best place to get a car loan. Just follow the short and simple steps below.

Complete our application form, which only takes a few minutes. Submit the required documents and input basic contact information like your email address and mobile phone number. Wait for our expert team to evaluate and approve your request. Note that a response from us would generally take as little as 60 minutes. Once you’ve received our approval and you’ve signed our loan offer, the funds will be deposited into your bank account. You can then use these funds to buy the car of your dreams. That’s how effortless it is when you apply on our online platform. You can even handle your finances in the comfort of your own home through our mobile phone app. This makes the entire process even more straightforward and convenient.

You can also take advantage of our easy car finance calculator if you want to learn more about repayments and interest rates.

Apply with MONEYME today and let us help you secure the car loan you need!

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Trusted by over 110,000 Aussies

4.6 review rating
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 arrow right

*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.

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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.