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Best Car Loans

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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.

Best Car Loans

Finding the best car loans may not always be easy, but it is possible with a reliable money lender. You know you’ve got the right one if you have the car of your dreams that you can afford to pay monthly with low-interest rates, fast fund transfer and better deals. Sounds too good to be true? Not with MONEYME! Your best car loan is right at your fingertips.

Getting into many loan offerings can be very overwhelming and may even be confusing; that’s why MONEYME takes you through the facts and figures of the best finance for a car loan to help you confidently understand how it works. We even show you our range of credit options so you can find the best type of credit product, from the best car loans to quick cash loans. If you're after a quick application process and a faster outcome, then consider our solutions at MONEYME.

How to choose the best car loan?

It doesn't matter if you're upgrading to a family-sized car, dabbling in a vintage car project, or scouting for a road-trip-friendly ride – getting a loan to buy a car is one major financial decision, and with so many loan offerings around from banks and car dealers, it can be difficult to choose the best car loan deals that take into account your personal circumstances and need for a quick outcome.

When looking for the best finance for a car loan, start by comparing each car loan's offerings to determine which one will work best for you. A competitive interest rate may vary depending on your credit score, loan duration, and the car's amount. 

Your credit score determines your ability to pay your loan on time. Lenders will often ask you about your credit background to find out any existing loans that you may have. Doing so will give them an idea of what loan interest and terms to offer. A good credit score puts you in good standing of getting a low-interest rate. However, a less-than-stellar credit score doesn't mean you'll be automatically declined by MONEYME. If you can demonstrate that your circumstances have improved since then, we'll be happy to consider your eligibility for a car loan even if you have had a mark on your credit file. Keep in mind that not-so-great credit is likely to result in high-interest rates.

At MONEYME, we provide regular repayment charges at a fixed amount. This means that you can expect a fixed loan interest rate charged throughout your loan duration. Should you pay off your loan balance in advance, we will not charge you exit fees – our goal is to help you save more. So if you’ve been searching for the best way to get a car loan with a reliable money lender that has your best interest at heart, look no further than the solutions we have at MONEYME.

How are the interest rates calculated?

Low-interest car loans will give you the best choice for your money's worth. When comparing car loan offers, it is always best to consider first the interest rates. Once you have a guaranteed car loan, a high- or low-interest rate will determine your monthly payments as applied to the total amount of your car on top of monthly interest charges. 

So how are interest rates calculated? Often, they vary depending on the borrower's credit report. Once you apply for a loan online, you will be asked about your income, debts, and expenses. All these factors will affect your credit score, so if you want to secure the lowest possible interest rate on your car loan, make sure to improve your credit score.

When calculating interest rates, you can also use our personal loan calculator that can help give you an idea about how much money you can borrow and how long your car loan payment period will be. It will automatically calculate how much you need to pay monthly. However, the calculator will only give you an estimate and is not a direct offer. 

How to apply for a car loan in Australia?

If you're now ready to secure the best car loans in Australia using our solutions at MoneyMe, note that you should meet the following eligibility criteria:

  • An Australian citizen or a permanent resident
  • Be over 18 years old
  • Be employed

Next, fill out the form online using your computer or mobile phone. You only need a few clicks and three minutes to complete. Unlike bank loans, you don't need physical documents to apply for the best car loans. With MONEYME, you simply provide your bank details, a valid email address, and other personal financial information such as assets and liabilities, evidence of income, bank statements to better help us with your assessment. Take note that when applying for a car loan, you may also need documents relating to the car’s purchase price, registration number and VIN, and comprehensive car insurance policy. An online application at MONEYME makes it easy for you to sign your loan and process it the same day electronically. Ensure you’re inputting complete and correct information to avoid delays in the approval process. 

After completing the online form, simply wait for our decision, knowing that our approval process takes only minutes, not days. We will thoroughly assess your credit history and credit score to determine your interest rates, loan duration and total monthly payments. Once you’re approved for guaranteed car finance, your funds will immediately be transferred to your bank account on the same day, depending on your bank.

Apply for car finance with a fast and easy online application at MONEYME. We are your trusted financial service company in Australia that uses the latest technology and platform for you to view and manage your account anytime using our app on your Android or iOS devices. MONEYME offers flexible repayments with no early exit fees giving you the best financial solutions that suit your needs. 

Our team can assist you anytime. Apply today.

Our customers

Best Car Loans

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


Ready to get

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

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