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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ā€˜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!

Loans Against Car and Still Drive It

Taking out a secured loan against a car is an endeavour that deserves serious consideration. There are lenders that require you to settle some of the loan before you can even drive the vehicle. It can be a hassle if you need the car for personal or professional duties. MONEYME enables you to get loans against car and still drive it.

MONEYME is a premier online lender that grants unsecured car loans of up to $50,000. This financial solution can help you get on the road in your dream car in no time. We do not require you to put up the vehicle as collateral so that you can continue to drive it while the loan is active. That also means you never have to worry about losing your car if you default on the loan. Apply now!

What does it mean to get a loan against a car?

Acquiring a loan against a car implies putting up the vehicle as collateral and risk having it taken away or repossessed if you default. This type of loan is called a secured car loan, and the amount you can get from it is limited to the value of the vehicle you want to buy. The best way to prevent car repossession, in this case, is to plan your finances accordingly and stay on top of your repayment schedule.

MONEYME offers an alternative that completely eliminates the risk of repossession. We grant unsecured car loans that put more weight on your ability to repay the loan rather than the value of the vehicle. It is the perfect solution if you want to get loans against car and still drive it. You can go through our online application process right now and obtain the finances you need in under an hour – no tedious paperwork or phone calls are required.

What are the benefits of getting a loan against a car?

The most significant benefit of getting a vehicle loan is that it gives you immediate access to a vehicle you could not otherwise afford. It also lets you build a good credit profile. If you regularly use our credit products and services while staying consistent with your repayments, you can build a good credit history with us, which will improve your chances of approval for greater loan amounts in the future.

MONEYME provides unsecured auto loans that protect your financial interests. You do not have to worry about losing any of your properties when you acquire our services. We are here to help if you want to get loans against car and still drive it.

We take pride in our reputation as the most convenient alternative to traditional lenders. The application process for our unsecured car loan is completely digitalised to save you time and money. You only need your computer or mobile device to apply for our services and obtain the funds on the very same day. So whether you want to ditch public transportation or need an upgrade to fit new family members, you can turn to us.

How to get a loan against a car and still drive it?

There are lenders that require you to settle at least a portion of your secured auto car loan before you can drive the vehicle. It is a hassle, especially if you need the car to handle work or family responsibilities.

MONEYME ensures you never have to deal with this problem. We only offer unsecured loans to give you instant access to your dream car and prevent the possibility of losing your properties. We essentially enable you to get loans against car and still drive it.

Our completely digital application process takes just minutes to complete. That means you can forget about taking lengthy phone calls associated with traditional cash loan applications. It also eliminates the hassle of submitting documents to prove your assets and liabilities. We just need digital access to your most recent bank statements to confirm your financial capacity. You can also trust that our customer service team is ready to assist you at every step of the way.

MONEYME protects your finances through our commitment to responsible and transparent lending. We exercise due diligence when structuring loan terms to get you on the right track for financial stability. You can rest assured that we will only lend you as much as you can realistically afford to repay.

Whether you take out a new car loan or a used car loan, your fortnightly or monthly repayments will be directly debited from your chosen bank account at the end of your desired billing cycle. Better still, we don't charge any early exit fees on our loans, so if you choose to pay off your loan before the end of its term, that's totally fine with us.

To make managing your car payments easy, download the MONEYME app on the Google or Apple app stores to view your loan repayment amounts, get direct debit reminders, check your remaining loan balance, and more.

We recommend checking out our personal loan calculator to compare repayments across different interest rates and loan terms to see what best suits your budget. We also have a personal loan repayment calculator that can give you an idea of how much you might pay in interest based on your desired loan term.

MONEYME lets you obtain a loan against car and still drive it as usual. Apply now!

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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.