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Car Dealerships That 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.

Car Dealerships That Finance

These days, it has become more and more common for customers to buy their dream vehicle through car dealerships that finance. While it might seem like a no-brainer to get a car instalment through this method, there’s actually another impressive option you should consider trying out. 

Here at MONEYME, our main mission is to provide you with the right type of vehicle finance for your unique situation. From pensioner finance for those who want to drive around after retirement, all the way to used car finance for those who would rather save a few bucks on older clearance deals – our top-of-the-line service will surely get you on the road in no time. 

Learn more about MONEYME today and see how our premium lending business stacks up against other car finance dealers. For the best decision-making experience, feel free to compare our benefits, terms, and conditions with competing loan offers.

Why do car dealerships want you to finance? 

In general, car dealerships that finance have two primary incentives when it comes to providing applicants with a vehicle loan. Although it might seem advantageous for you to go through their one-stop system, you may be losing funds as they could be giving you higher-than-average interest rates or perhaps even getting a fixed monetary reward based on sales. 

Car finance dealerships could increase the annual percentage rate (APR)

Given that most credit car dealerships don’t have the resources to give you a cash advance service, they partner up with one or multiple financial institutions to assist them.

Imagine this: one of the financial institutions offers an APR of 8% as a base figure. That car loan lender then lets the dealership increase the APR to 9% when selling brand-new or pre-loved vehicles. If you accept this interest cost, then the partner lender gets the funds generated from the 8% while the dealership gets the funds generated by the additional 1% charge. 

Car finance dealerships could prioritise certain financial institutions based on a set ‘flat’

Using the same partnership premise, in-house finance dealerships could choose to provide you with a chattel mortgage car loan from their preferred financial institution. More often than not, this is determined by the ‘flat’ or ‘flat fee’ lenders pay. 

By giving these lenders customers for their service, car dealerships that finance get to benefit right away from referrals. Instead of receiving a portion of the interest rate over time, they could select the lender that will deposit the highest flat (regardless of the terms and fees for the loan).

Not to mention that the approval period is typically longer as the dealership acts as a middleman that has to communicate with both you and the lender.

You can avoid this tedious process by simply applying online at MONEYME. With us, not only will you get same-day car finance options, but you’ll also enjoy a service that boasts transparency, consistency, and flexibility!

What does a car dealership need for financing? 

For car dealerships that finance, you would have to present multiple documents for rebates and trade-ins. Rebates are usually for those who have served in the military and those who are college students or fresh graduates. On the other hand, trade-ins are for those who want to get a discount by selling their car before the transaction. 

Note that on top of this, some dealerships would even ask you to show some form of credit insurance when you submit your verified driver’s licence. This essentially gives them reassurance as they know a third-party company can take over the repayments should emergencies or accidents arise. 

Our convenient solution

If all of the mentioned conditions sound complicated, then you should apply for our streamlined and straightforward greenlight auto finance. This way, you’ll have an alternative to the offers carried by car dealerships that finance.

At MONEYME, you don’t have to print out stacks of documents or even physically fill out any paperwork. We have a 100% online application that only requires you to answer an easy request form, attach your most up-to-date bank statements within it, and verify your identity with your driver's licence. 

Aside from the convenience of borrowing money at home, you’ll also get to experience advanced security measures. Our submission portal uses the same encryption technology as the top four Australian banks so you know that your personal information is safe with us. 

If you want to effortlessly get cars on finance, apply with MONEYME today! 

How to finance a car through a dealership?

Getting a spendable budget from car dealerships that finance will take some time and planning. You would have to gather all the documents and even check for extra requirements. This is done by going to a local branch and making inquiries through their personnel. Then, you would have to wait for them to consult with their partner lender – essentially giving you a response that could take days or weeks. 

However, if you want to get a car loan as fast as possible, then you should just download the MONEYME mobile app that’s available on both the App Store and Google Play Store. After you submit your application, our expert team will efficiently and fairly assess your creditworthiness. 

If you qualify for our service, we’ll calculate a tailored plan with a competitive interest rate, substantial loan amount ($5,000 to $50,000), and a short repayment duration (one to five years).

Be assured of cash within the same day that you can utilise to finance used cars or new cars. Navigate our online platform today and be given a personal vehicle loan you can realistically afford! 

Our customers

Car Dealerships That 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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