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Auto Car Finance

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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.

Auto Car Finance

Anyone who’s ever purchased a car knows that auto car finance is a necessary part of the process. Unless you’re paying cash, you’ll need to find a way to finance your vehicle. Car loan options are out there, but it can be difficult to choose the right deal. MONEYME is here to help you get finance for a car.

MONEYME is one of the leading online money lenders in Australia. We offer affordable auto car finance solutions to help you buy your dream car without risking your assets. 

How does auto financing work?

An auto car finance loan lets you borrow money and use it for a car purchase. It is suitable for those who need a vehicle but lack the funds to purchase one outright since it essentially lets you get a car you could not otherwise afford. 

The amount you secure from an auto car finance loan, including interest, must be paid back in regular instalments over a set duration or term. The typical loan term ranges between one and five years based on your preference and financial capacity. 

One of the key benefits of taking out an auto car finance loan is that it lets you boost your credit rating over time. You can use it to build a good credit history so long as you make timely repayments. You can then use your improved rating to become eligible for more significant loan amounts. 

MONEYME provides unsecured car loans that place more weight on your ability to repay debt instead of requiring the vehicle as asset security. That means you never have to worry about losing the car if you default on the loan. You can reach out to our customer service team if you have questions or concerns about our credit services. We would be happy to assist you.

How much does auto financing cost?

The interest rate is the most substantial cost of taking out an auto car finance loan. The difference in interest rate between one lender and another can save you thousands of dollars. Therefore, it is necessary that you compare interest rates across different car lenders to find an institution that can best suit your requirements. 

An auto car finance loan can come with either a fixed or variable interest rate. The former remains constant throughout the life of the loan, whereas the latter fluctuates according to an underlying index or benchmark that changes periodically.

MONEYME imposes variable interest rates on both a new car loan and a used car loan. We recommend using our personal loan calculator to determine repayment estimates across different interest rates and loan terms. It is a helpful tool for determining which terms and conditions fit your budget. 

Our calculator also gives you an idea of how much interest you might pay based on different loan durations. This transparency helps to manage your budget and avoid unnecessary spending.

MONEYME is devoted to protecting your financial interests per our commitment to responsible and transparent lending. We exercise due diligence when formulating loan terms to get you on the track towards financial stability. We can assure you that we will never lend you more than you can repay.

MONEYME grants unsecured loans that centre on your ability to pay back debt rather than requiring collateral. That means you never have to worry about losing your car and other properties if you ever default on the loan. Moreover, we never charge early-exit fees or additional charges if you decide to settle your loan before the loan term is over.

How to get auto financing for a car?

It can be quite a hassle to secure an auto car loan from banks and credit unions because of the extensive documentation they require. We strive to eliminate these conventional hurdles as a premier online money lender.

MONEYME is proud of its reputation as one of the best alternatives to conventional lending institutions. We get rid of typical loan processing headaches with our fully digital loan application system. This cutting-edge system takes a few minutes to complete using only your computer or mobile device. We can even have the money sent to your bank account within a few minutes after approval!

You can forget about the lengthy phone calls associated with traditional loan applications – all we need is digital access to recent bank statements and driver’s licence. You may reach out to our customer service team if you run into any problems throughout the application process.

It is crucial to consider a few factors before applying for an auto car finance loan. You should maintain a good credit history and accumulate decent savings to get better chances of getting approved. These indicators reassure lenders that you will still be able to meet your obligations in case things get rough financially. They can even help you get lower interest rates!

It is worth noting that you can still apply even if you have a low income or a poor credit rating. We consider a range of other factors to get a clearer picture of your financial capacity and determine your eligibility for an auto loan. The extensive selection of credit solutions we offer allows us to cater to the diverse needs of our customers.

You can take advantage of our intuitive online dashboard to manage your loans directly from your computer or mobile device. It is a comprehensive tool that can help you keep track of your car payments

Whether you want to ditch public transportation or need an upgrade to fit new members of the family, we are here to help. So check out our line of services and apply now!

Our customers

Auto Car Finance

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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Won’t impact your credit score!
Won't impact your credit score!

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