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Apply For Car Loan

Personal loans for

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Winner of Canstar's Innovation Excellence Award 2022*

Estimate your

Find out how much your repayments and
interest rate could be with our calculator


Monthly repayment from


Example interest rate

9.20 %

Comparison rate*

10.58 %

Total charges


Total repayments


Disclaimer: This calculator provides an estimate only and a comparison rate based on the example information provided. Other fees, costs and charges are not included. This calculation is not an offer for credit. The amount you can borrow may vary once you complete a loan application and all the details relevant to our lending criteria are captured and verified. The interest rate for this product is variable and subject to change. Any calculations made by you using this calculator is intended as a guide only.

Apply For Car Loan

Are you looking to apply for car loans with a reputable lender that offers a service that has no long wait times and instant processing? Finance your new vehicle today with MONEYME’s online car loans.

MONEYME offers an efficient and speedy digital lending platform that can help you with all types of loans and can help you get the personal loans for cars you need today. Not only do we offer some of the most competitive interest rates on the market (compared to other bank car loan rates), but we can have your loan approved in as little as 60 minutes and your funds transferred instantly.

Apply for car loans with MONEYME today and get access to up to $50,000 in funding for your new car today! We also offer other great vehicle-related lending services that can help you minimise costs and borrow responsibly, such as our car instalment and our dealership financing.

The best thing about our loan-a-car service is how we incorporate state-of-the-art technology to make all our processes seamless and hassle-free. From sending us your documents to signing your contract, you can apply car loan online from the comfort of your own home and find out if you’re eligible.

We also feature a mobile application that makes managing your car loan finance even easier. Manage your finances with our intuitive platform by scheduling your monthly or fortnightly repayments, checking your interest, and planning your budget.

What are you waiting for? Don’t waste your time waiting on that bank loan for a car – apply for car loans with MONEYME today and get access to the best online loan provider in all of Australia. 

How much can I borrow through a car loan?

As a responsible lending provider that strongly values transparency, MONEYME only offers a car finance quote we believe that the borrower can comfortably repay. This means that while you have a set loan amount in mind when applying for car loans, it may be possible that you may receive a loan with different terms and rates.

In general, however, MONEYME offers loans from $5,000 to $50,000. Many factors are taken into account when we send the final loan offer. For your reference, here are some of the things that determine how much you can borrow when you apply for car loans with MONEYME:

Credit score 

A credit score is a value you may have heard a lot about while you’re looking for different car finance options. It’s essentially a value that showcases your creditworthiness as a borrower and informs lenders about the risks or benefits they can receive when offering you a loan.

When you have a higher credit score when you apply for car loans, it provides the lender with an additional level of insurance as it showcases that you are great with your finances and make your repayments on time. This means that you might receive a loan offer with greater rates, and have access to a greater loan amount.

The opposite can happen with a lower credit score, as it informs the lender of your existing liabilities towards banks and other services. Despite this, if you have a lower credit score, there are still options available for you.

Existing loan history 

As mentioned previously, it might be easier to borrow a larger amount of money and apply car finance from a lender if you have an existing loan history with them. For instance, MONEYME has an in-house credit rating system that improves after the complete repayment of a loan. 

This means that even people with low credit scores can start small with us and work towards getting more borrowing power and eventually get access to more funding! The longer you work with a company, the more security they receive as a lender, so it’s quite important to borrow from a reputable and trusted partner that can support you for years to come.

What documents do I require to apply for a car loan?

Unlike other lending partners, when you apply for car loans with MONEYME, we can get all the documentation we need from you through the use of our secure online portal. Our car loans application form requires some detail about your financial situation as well as your phone number and email address. For speedy processing, we recommend being as detailed as possible with your information.

Following this, we ask for details regarding the loan you wish to pursue, which includes the purpose, total amount, and specific loan terms. Once you complete this form, we then will ask you to log into your bank account through our platform. This allows us to instantly verify all your details that helps expedite the processing time for your loan approval.

Note that you can also opt to send these documents through our email address, but it generally takes longer for us to verify and process your personal car loan. As we use the same security standards as regular banks and only keep your documents for 90 days as a read-only PDF file, rest assured that we keep all your data safe and secured.

How to apply for a car loan?

To apply for car loans with MONEYME, simply visit our website to start the entire process. Select the credit product you wish to pursue and leave your information with us. For your eligibility, you must be over eighteen years old and meet our repayment affordability criteria.

From there, our team, along with the proprietary AI technology we use, works towards approving and getting the money you need as fast as possible. Once you’ve received your loan offer and have agreed to its terms and conditions, you can get the money transferred to your bank account of choice within minutes.

Most of our customers experience receiving their financed amount within minutes from applying, and we’re happy to help if you have any questions about our services. We’re all about being transparent, so from your loan offer to the information on our website, MONEYME is here to help you make smarter financial decisions.

With low charges and friendly rates, apply for car loans today with MONEYME, a pioneer in the digital lending space. Browse our website for our financing options or download our mobile application available on the App Store and Google Play to start borrowing responsibly today!

Our customers

Apply For Car Loan

Fast, fair and easy. Very happy customer. Happy to get another loan in the future from MONEYME.

Simple process, easy to follow application, quick response time and good support.

I was impressed with how easy and quick the application was. Very happy with their customer service, and the app is very convenient.


Review Stars Out of 2,701 reviews

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Transparent and
simple pricing

Interest rate

9.20 %
to 25.20 %

Comparison rate*

10.58 %
to 26.58 %

Establishment fee
(Direct applications)

$395 for loans between $5,000 and $15,000

$495 for loans between $15,001 and $50,000

Monthly fee


Loan terms

Minimum 3 years

Maximum 5 years

Early exit fees


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